YouHodler Alternative

YouHodler (Swiss-based company) is a popular crypto lending platform that accepts crypto assets as collateral for fiat or stable coin loans. YouHodler provides an easy starting place for traders and investors just getting into the crypto lending industry; their crypto-yield product for investors pays out interest every week, for crypto deposits. Nonetheless, given certain constraints inherent in the YouHodler platform, a considerable number of cryptocurrency investors are exploring alternatives to YouHodler.
YouHodler is a FinTech platform focused on crypto-backed lending, with fiat, crypto, and stablecoin loans. Offering an array of products, including high-yield crypto savings accounts, universal conversion between crypto, fiat, and stablecoins, and multi-stage loan products, it aims to bridge the gap between the crypto and traditional finance worlds.
Estimated Earnings: 6% to 12% per year is a shariah-compliant cryptocurrency investment platform that is designed to meet the needs of Muslims and ethical investors. The business model is based on deploying investor funds for crypto trading using an AI-powered trading bot. A share of the profits from trading activities are paid out to investors, every month. 
Estimated Earnings: Up to 18% per year

How is a better alternative to YouHodler?

Significantly better APY and rates. Easy-to-understand.

Although YouHodler advertises a leading interest rate of 12%, the practical yield can be significantly less and their tiered structure can be intricate. The interest rates are based on the type of cryptocurrency deposited and the specific quantity invested. For instance, Bitcoin yields an annual percentage yield (APY) of around 4-5%, whereas Ethereum offers an APY of approximately 5-7%, and the rates vary likewise for other cryptocurrencies. offers up-to 18% APY

Regardless of your chosen cryptocurrency for investment, be it Bitcoin, Ethereum, Solana, USDT, BNB, or others, we maintain a uniform rate. Hence, the annual percentage yield (APY) remains consistent across all these digital assets.
Note: pays out a share of the profits, not fixed interest.

Halal. Ethical. Sustainable.

YouHodler's operations, rooted in RIBA, primarily revolve around the lending and borrowing of assets. These practices are in direct contradiction with Islamic principles. Moreover, Nexo's viability hinges on the crucial factor of borrowers repaying their loans along with the accrued interest. 
Despite YouHodler's commendable standing in the market, history shows that other prominent crypto enterprises with analogous lending/borrowing models have suffered catastrophic failures. BlockFi, Celsius, Vauld, and Midas, to name a few, were unable to weather the storm when their borrowers defaulted. Therefore, while contemplating your financial decisions, it's prudent to weigh all these factors and consider alternatives to secure your assets effectively.

At, we choose not to engage in the lending or borrowing of cryptocurrency assets, but rather, actively participate in spot market trading. This method ensures we steer clear of unnecessary leverage, and excessive risk, thereby prioritizing the safety of your capital. 
Rather than relying on traditional, manual trading methods, we've adopted an innovative approach utilizing AI-powered bots for automated trading. Our conviction lies in this sustainable and technologically forward business model, designed to provide an optimal balance between growth and security for your investments. Trust in our methods, and let us help you navigate the world of crypto investing with confidence.

YouHodler’s crypto yield product may not be available in your region.

While YouHodler’s claims to offer services worldwide, the crypto-yield product (to earn interest) is NOT available in many countries including the United States.

Conclusion offers a better return on investment, better coverage and arguably a better business model for cryptocurrency investors looking for passive income.
Note: There is no such thing as an Islamic fixed income product.
Fixed income means the future payouts are predetermined. Since the future performance of anything cannot be guaranteed, fixed future payouts mean the payouts are independent of the performance of the underlying asset. This would be Haram.

At, investors do not receive interest but rather they get a share of profits generated by the assets they own. No Profits = No Returns. In practice, we work towards building up a buffer to smooth out the uneven revenues produced by the underlying asset so that investors continue to see a regular even return.