YouHodler

What happens if BTC drops.

The single most important question on a Bitcoin loan. With YouHodler, liquidation is a managed process. If your loan-to-value rises toward the liquidation threshold below, YouHodler works through margin calls before any collateral is sold.

At YouHodler's 90% opening LTV, BTC would have to fall 5% before a position opened at that LTV reaches the 95% liquidation threshold.

What YouHodler publishes: HIGH RISK: Price Down Limit (PDL) controls automatic closeout. Current public pages do not publish a full tariff/PDL table, so verify the exact LTV and PDL inside the loan form before borrowing.

The terms, translated.

With YouHodler, the “contract” is the loan agreement and the platform’s risk parameters. We've pulled the key terms from YouHodler's own data and translated them into plain English.

How YouHodler compares to its closest cousins.

The org, the founder, the governance.

Current public help pages verify a daily-fee model, 30-day classic loan term, and $100 minimum. The daily-fee range we cite (0.0178%–0.0712%/day, ~6.5%–26% APR) is no longer published on the help pages — those figures are now shown only inside the in-app loan form — so treat the annualized range as indicative, not independently verifiable against a current public source. Exact loan tariff, LTV, PDL, and fee are shown inside the loan form, so the older precise 97%/90%/70%/50% tier table has been removed from confident copy. Partial rehypothecation and U.S. state exclusions remain directional until confirmed in current legal terms.

The 8-factor breakdown.

Custodial. Scores 5/10 (moderate) on the custody axis. Non-custodial designs score highest because no third party can move collateral; custodial designs lose points proportional to operator discretion.

Policy: partial. Scores 5/10 (moderate). "Strict" / "no-rehypothecation" policies score highest because collateral cannot be lent out; "permitted" policies lose points for exposure to counterparty failure on the re-pledged BTC.

Scores 2/10 (weak). Programmatic on-chain liquidation at a fixed LTV scores highest (predictable, no operator discretion); discretionary or off-chain liquidation processes lose points proportional to opacity and timing risk.

Regulatory status: registered. Scores 5/10 (moderate). US/EU-regulated lenders with explicit licensing score highest; offshore or DAO-governed entities lose points because there's less recourse if something goes wrong.

No public reserves reporting. Scores 3/10 (weak). Without auditable reserves disclosure, depositors have no independent confirmation that the assets exist and are unencumbered.

Scores 3/10 (weak). Lenders that publish operating reports, smart-contract code, and live rate/LTV parameters score highest; those that bury terms in PDFs or change rates without notification lose points.

7+ years operating since 2019. Scores 5/10 (moderate). Older operations with surviving stress events (March 2020, Nov 2022, etc.) score highest; younger or untested operations lose points proportional to how many full cycles they've operated through.

Scores 2/10 (weak). Loan agreements with explicit liquidation order, segregated-account language, and clear borrower recourse score highest; ambiguous default terms lose points.

Questions readers actually ask about YouHodler.