Which platform has higher rates, Nexo or YouHodler?

YouHodler often advertises higher APYs and promotions, while Nexo offers more stable rates with daily payouts. Always check current terms.

Is Nexo safer than YouHodler?

Nexo emphasizes regulation, proof-of-reserves, and insurance partnerships. YouHodler is also active but smaller. Both carry custodial risks — never deposit more than you can afford to lose.

Do both platforms offer cards?

Nexo issues a Mastercard-backed card in selected EU/UK countries. YouHodler doesn’t currently provide a native card.

Who should use which?

Pick Nexo if you want a card, regulation focus, and stability. Pick YouHodler if you want higher promotional rates, features like Multiply, and don’t mind higher risk.

Nexo vs YouHodler (2025) — Crypto Lending Compared

Nexo and YouHodler are two of the most used CeFi lending platforms in 2025. Both let you earn interest, borrow against crypto, and access liquidity without selling assets — but their approach to safety, features, and promotions differs.

At a Glance

Feature	Nexo	YouHodler
Interest on Assets	Up to ~12% on stablecoins; daily payouts	Up to ~15% on promos; weekly payouts
Borrowing	Loans backed by crypto; instant credit lines	Loans backed by crypto; flexible repayment
LTV (Loan-to-Value)	Up to ~50% depending on asset	Up to ~90% but with higher liquidation risk
Cards	Nexo Card (EU/UK availability)	No native card
Custody	Custodial (insured partners, proof-of-reserves)	Custodial (smaller scale, direct management)
Extra Features	Exchange, Earn, daily cashback on card	“Multiply” leveraged yield product, promo bonuses
Risks	Custodial risk; regulatory restrictions by region	Custodial risk; higher liquidation and leverage risk

Key Differences

Rates: YouHodler sometimes shows higher APY, but Nexo has more stable payouts.
Cards: Nexo has a working card in EU/UK; YouHodler does not.
Risk: Nexo is larger and more regulated; YouHodler caters to risk-tolerant users.
Extra Features: YouHodler’s Multiply is unique but riskier.

Our Verdict

For users seeking stability, a regulated brand, and card access, Nexo is the stronger choice. For users chasing higher rates and willing to try leveraged features, YouHodler offers more aggressive options. As always — diversify and never lock more funds than you can afford to risk.

FAQ — Nexo vs YouHodler

Which platform gives better APY?: YouHodler sometimes has higher promotional rates, but Nexo offers more stable daily payouts.
Which is safer?: Nexo is bigger and emphasizes regulation, but both are custodial. Always use risk management and diversification.
Do both support cards?: No. Nexo offers a Mastercard-backed card (EU/UK), whereas YouHodler doesn’t have a card product.
Who should use YouHodler?: More suitable for advanced or risk-tolerant users who want high APY promos and Multiply features.