Nexo vs YouHodler: Earn rates compared.

Earn up to 15% per year on your full portfolio with Nexo. YouHodler caps earning balances at $200,000 — above that, your money sits idle.

Get started with Nexo

Nexo vs YouHodler at a glance.

NexoYouHodler

Max earn rate

Up to 15% per year
Up to 30% per year

How to unlock the best rate

Hold 10% of your portfolio in NEXO Tokens
($5,000 minimum)
Generate $5,000,000 in monthly trading volume

Earning limit

No cap
every dollar earns
$200,000 maximum
anything above sits idle

Assets that earn

All 40+ eligible assets earn simultaneously
Choose up to 10 assets to earn on at a time

Interest compounding

Daily, automatic (Flexible Savings)
Weekly, requires manual claim

Fixed-term options

1, 3, 6, and 12 months
None
Rates subject to change. Check each platform for current terms.
Get started with Nexo

What sets Nexo apart from YouHodler.

No yield cap on your portfolio

Every dollar in your portfolio earns interest — no ceiling, no exceptions. YouHodler caps earning balances at $200,000, leaving anything above idle.

Top rates without trading

Hold 10% of your portfolio in NEXO Tokens and unlock Nexo's highest rates. No trading volume required — YouHodler's equivalent tier demands $5,000,000 a month.

Automatic daily compounding

Interest accrues and compounds daily, credited automatically to your Savings Wallet. YouHodler pays weekly — and only after a manual claim.

Built on a track record that speaks for itself.

$8+ billion

in assets under management

$403+ billion

in transaction volume

$1.3+ billion

in interest paid

Frequently asked questions.

How does YouHodler's earning cap affect your total returns?

YouHodler limits the balance that earns interest based on your loyalty tier. At VIP — the highest tier — the cap is $200,000. Anything above that earns nothing. Lower tiers have smaller caps: $80,000 at Platinum, $60,000 at Gold. Nexo has no equivalent cap — your entire balance earns interest across all supported assets.

Why do Nexo clients with large portfolios earn more than on YouHodler?

YouHodler's $200,000 earning cap means a $500,000 portfolio effectively earns interest on less than half of it. On Nexo, the full $500,000 earns — daily, with automatic compounding. For portfolios above approximately $200,000 in stablecoins, the difference in total annual interest is significant regardless of headline rates.

Do I need to trade actively to earn high rates on Nexo?

No. Nexo's Loyalty Tiers are based on the proportion of NEXO Tokens in your portfolio, not trading volume. Reaching Platinum — the highest tier — requires holding 10% of your portfolio in NEXO Tokens. You can hold and earn without executing a single trade. YouHodler's top tiers each require substantial monthly trading volume.

Is my crypto locked when earning on Nexo?

With Flexible Savings, no. Your assets remain available to trade, exchange, or withdraw at any time while earning daily interest. Fixed-term Savings require a commitment of 1, 3, 6, or 12 months in exchange for a bonus rate on top of your Flexible Savings rate.

How do I switch from YouHodler to Nexo?

Create a free Nexo account and complete verification. Transfer your digital assets to your Nexo Savings Wallet. Your holdings begin accruing interest within 24 hours — no application, no credit check, no trading requirement.

Driving the next generation of wealth.

Nexo is built for pioneers ready to leverage blockchain technology to shape the next generation of wealth. Create your account today and get started.
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