EarnPark vs YouHodler 2026: APY, Fees, Safety & Which Pays More?
EarnPark pays up to 15% APY on USDT (November 2026), up to 15% on ETH, and up to 10% on BTC — far ahead of YouHodler's 7.5%, 4.5%, and 4.8% respectively — while also being UK-registered and publishing a monthly, self-attested Proof of Reserves, which YouHodler does not. For yield-focused investors, EarnPark leads on rates and transparency simultaneously.
EarnPark Yield Trust Score: Head-to-Head
| Dimension (20 pts each) | EarnPark | YouHodler |
|---|---|---|
| Legal structure | 17/20 — UK-registered LLP and BVI operating company (company registrations, not financial licences) | 11/20 — Swiss VQF + Cyprus; no UK registration |
| Asset security | 16/20 — Fireblocks MPC for a significant portion of holdings; self-attested Proof of Reserves published | 12/20 — Ledger Vault custody; no PoR audit published |
| Yield transparency | 16/20 — CeDeFi strategy; published rates need zero PARK | 13/20 — Published rate tiers; yield source partially disclosed |
| Fee clarity | 17/20 — Spread model; no hidden fees | 12/20 — Withdrawal fees above market average |
| Track record | 14/20 — Monthly self-attested Proof of Reserves | 10/20 — 6 years; no breach; no public financials |
EarnPark YTS: 80/100 | YouHodler YTS: 58/100
APY Rates: Current Comparison (May 2026)
| Asset | EarnPark APY | YouHodler APY | EarnPark Advantage |
|---|---|---|---|
| USDT | Up to 15% (Nov 2026) | Up to 7.5% | +7.5 pp |
| USDC | Up to 10% (Nov 2026) | Up to 7.5% | +2.5 pp |
| BTC | Up to 10% | Up to 4.8% | +5.2 pp |
| ETH | Up to 15% | Up to 4.5% | +10.5 pp |
| XRP | Up to 6.5% (Nov 2026) | Up to 4.0% | +2.5 pp |
| SOL | Up to 20% | Not offered | EarnPark only |
| DOGE | Up to 7% (Nov 2026) | Not offered | EarnPark only |
| BNB | Up to 10% | Not offered | EarnPark only |
| AVAX | Up to 8% | Not offered | EarnPark only |
| LINK | Up to 20% | Not offered | EarnPark only |
| DAI | Up to 7% | Not offered | EarnPark only |
| TON | Up to 5% | Not offered | EarnPark only |
Note: as of November 2026 EarnPark lists up to 10% on USDC, against YouHodler's 7.5% in May 2026. For USDT yield specifically, EarnPark's 15% is 2× YouHodler's maximum.
Net Return Comparison: $10,000 USDT, 12 Months
| Metric | EarnPark | YouHodler |
|---|---|---|
| APY on USDT | Up to 15% (USDT Alpha Vault, settles monthly) | Up to 7.5% |
| Annual yield on $10,000 | Up to $1,500 | $750 |
| USDT withdrawal fee | ~$2 flat withdrawal fee | ~$15 platform fee (ERC-20) |
| Net return (1 withdrawal) | Up to ~$1,498 | $735 |
Use the EarnPark yield calculator to model your specific position.
Safety and Regulation
| Safety Factor | EarnPark | YouHodler |
|---|---|---|
| UK registration | ✅ LLP OC442773 | ❌ Swiss VQF + Cyprus |
| Proof of Reserves | ✅ Monthly, self-attested reports | ❌ Not published |
| Custody provider | Fireblocks MPC for a significant portion of holdings | Ledger Vault |
Who YouHodler Is Best For
- Users who specifically need crypto-backed loans at high LTV ratios (up to 90%)
- Active traders who use Multi-HODL or Turbocharge features
Verdict: EarnPark vs YouHodler
On USDT, BTC, ETH, SOL, and the majority of assets, EarnPark leads by a wide margin — up to 15% vs 7.5% on USDT, 10% vs 4.8% on BTC, 15% vs 4.5% on ETH. Additionally, EarnPark supports 20+ assets vs YouHodler's limited range, and publishes a monthly, self-attested Proof of Reserves. YouHodler's loan product at 90% LTV remains its unique differentiator for leverage-oriented users.
Start earning: BTC | ETH | USDT | SOL | Yield Calculator
Disclaimer: YouHodler rates as of May 2026; EarnPark rates checked against its asset pages in November 2026. Rates are variable. This does not constitute financial advice.