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Figure Markets
YouHodler

YouHodler

YouHodler offers a crypto yield (earn) program for 30+ coins, including Bitcoin (BTC), Ripple (XRP), Binance Coin (BNB), Cardano (ADA) and a variety o...

Fido

Fido

Fido is a crypto-yield platform offering 10% APY with a simple, banking-like app. Unlike other centralized lenders, Fido uses self-custody and is non-...

VS

General

Platform
YouHodler logo
Fido logo
Founded
YouHodler 2018
Fido 2025
Headquarters
YouHodler Switzerland, Cyprus
Fido
Availability
YouHodler Not available in the US/Canada
Fido Worldwide

Fees & Financial

Bonus
YouHodler
Fido 30-day 1% APY boost with code: CIR ($250 deposit required)
Token
YouHodler
Fido
Compounding
YouHodler Yes
Fido Yes
Payouts
YouHodler Weekly
Fido Every second
Fees
YouHodler Yes
Fido None
Lockup
YouHodler None
Fido None
Maker Fee
YouHodler
Fido
Taker Fee
YouHodler
Fido

Cryptocurrency Rates

BTC Rate
YouHodler 4%
Fido
BTC Max
YouHodler
Fido
ETH Rate
YouHodler 4%
Fido
ETH Max
YouHodler
Fido
Stablecoin Rate
YouHodler 6%
Fido 10%

Unique Pros

  • Compounding interest
  • No lockups
  • Wide coin support

Key Cons

  • Improved rates require minimum trading volumes
  • No signup bonus

Unique Pros

  • Deposit or withdraw USDC or USD
  • $100k insurance included
  • Fixed target rate

Key Cons

  • 10% is a target rate, not guaranteed
  • US-focused