In this article we are going to compare these two widely-known crypto interest platforms. Knowing the advantages and disadvantages of both sides will help you determine which one of these platforms make a better choice for your investment needs.
Hodlnaut is a very popular crypto interest platform and it was launched back in 2019. This company is based in Singapore and backed by a single investor. Not to forget that it has over $500 million worth of assets under management. Speaking of which, it supports 6 different assets and has over 10,000 users.
Vauld is also based in Singapore and was founded in 2018. It is both a trading platform and a crypto bank. Even though Vauld isn’t a crypto exchange itself, it uses Binance as an exchange partner. Currently they operate in multiple countries including India.
Hodlnaut vs Vauld: Interest Rate Comparison
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|---|---|---|
 BTC | 4.08% APY (First 0.1 BTC) | 4.60% APY flexible 6.69% APY fixed |
 ETH | 4.60% APY | 4.60% APY flexible 6.69% APY fixed |
 USDT | 7.25% APY (First 100,000 USDT) | 9.41% APY flexible 12.68% APY fixed |
 USDC | 7.25% APY (First 100,000 USDC) | 9.41% APY flexible 12.68% APY fixed |
 DAI | 3.56% APY (First 25,000 DAI) | 9.41% APY flexible 12.68% APY fixed |
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Header | | |
|---|---|---|
BTC | 4.08% APY (First 0.1 BTC) | 4.60% APY flexible 6.69% APY fixed |
ETH | 4.60% APY | 4.60% APY flexible 6.69% APY fixed |
USDT | 7.25% APY (First 100,000 USDT) | 9.41% APY flexible 12.68% APY fixed |
USDC | 7.25% APY (First 100,000 USDC) | 9.41% APY flexible 12.68% APY fixed |
DAI | 3.56% APY (First 25,000 DAI) | 9.41% APY flexible 12.68% APY fixed |
Cell |
Hodlnaut vs Vauld: Comparison Table
Cell | | |
Nunber of Coins | 6 | 275+ |
Minimum Deposit | None | $1 |
Withdraw Fee | BTC: 0.0004 BTC DAI: 10 DAI ETH: 0.0036 ETH USDT: 10 USDT USDC: 10 USDC | Network fee |
Pros | - More than 275+ assets - Low fees - Automatic investing plans - Competitive interest rates | |
Cons | - Crypto loans are only available for institutions - Limited cryptocurrencies on offer - Fiat currency deposits are not supported | - Counter-party risk - Crypto loans are not very competitive |
Website |
Hodlnaut vs Vauld: Comparison Table
Cell | | |
Number of Coins | 6 | 275+ |
Minimum Deposit | None | $1 |
Withdraw Fee | BTC: 0.0004 BTC DAI: 10 DAI ETH: 0.0036 ETH USDT: 10 USDT USDC: 10 USDC | Network fee |
Pros | - More than 275+ assets - Low fees - Automatic investing plans - Competitive interest rates | |
Cons | - Crypto loans are only available for institutions - Limited cryptocurrencies on offer - Fiat currency deposits are not supported | - Counter-party risk - Crypto loans are not very competitive |
Website |
- Offers high interest
- Free 30 USDC sign-up bonus
- No lock-in period or minimum deposit amounts
- User-friendly
- Crypto loans are only available for institutions, not individual traders
- Fiat currency deposits are not supported
- Minimal cryptocurrencies on offer
- More than 275+ cryptocurrencies on offer
- Low fees
- Automatic investing plans available
- Very competitive interest rates
- Counter-party risk
- Crypto loans are not very competitive
Hodlnaut vs Vauld Features
First things first, Vauld might be one of the best platforms when it comes to UX/UI. The dashboard is very minimal and clean. Buying and selling, making deposits, checking your balance, and depositing fiat currency to your account can easily be accessed in one click.
Vauld offers the instant buy/sell feature, making it an ideal choice for beginners who have not yet purchased crypto, but want to get started and then earn interest on it right away.
Vauld also offers crypto loans, and they have made it very simple to do so. You can also pay the loan back in any number of instalments that you like. Unlike bank loans, there are no due dates. Instead, you continue to pay the loan until the full disbursed amount is returned.
Of course, Vauld also offers crypto interest accounts, with very competitive rates. If you choose to lock your crypto for one month, you will earn higher rates, significantly exceeding Hodlnaut's rates.
Hodlnaut, on the other hand, does not allow buying or selling of cryptocurrencies, but instead aims to give users high interest on their invested crypto. While Hodlnaut does not offer many coins, they do offer the most popular cryptocurrencies.
The interest rates they give to their customers are available without a minimum deposit amount or any lock-in period, which is excellent for giving flexibility to their users. The site is also easy to use, and even newcomers to crypto interest accounts will understand how to navigate Hodlnaut easily.
Hodlnaut even has an attractive signup bonus, with FREE 30 USDC if you sign up with this link, which will give your crypto savings a little kickstart.
Winner - Vauld
When it comes to features, Vauld offers much more than Hodlnaut. Besides earning interest on crypto, you can also buy/sell crypto, as well as take out a loan.
Hodlnaut vs Vauld Fees
Hodlnaut does not charge any fees for depositing crypto, and there is a small fee to withdraw, which varies depending on which coin. For example, these are the withdrawal fees for some of the cryptocurrencies:
- Bitcoin: 0.0005 BTC
- Dai: 10 DAI
- Ethereum: 0.0036 ETH
- Tether: 10 USDT
- USD Coin: 10 USDC
Vauld does not charge any deposit fees. The withdrawal fee for cryptocurrencies is the network fee, which is influenced by the coin, the address you are sending to, and the current gas price.
The trading fees on Vauld are 0.1% for most trading pairs, but if you trade against the Indian Rupee (INR) the fees are slightly higher, at 0.12% for both makers and takers.
Winner - Vauld
The withdrawal fees on Hodlnaut are high, whereas Vauld only charges the network fees.
Number of Cryptocurrencies
Vauld has 275+ cryptocurrencies to buy, sell and trade. What really stands out is that you can earn interest on each one of these coins!
Hodlnaut has 6 cryptocurrencies you can earn interest on.
Winner - Vauld
Vauld is the standout choice, because you can earn interest on over 275+ coins, as opposed to Hodlnaut's meagre offering of 6.
Hodlnaut vs Vauld Security
When it comes to security, Vauld uses several measures to ensure the assets of users remain safe. The first one is multi-factor authentication, supplied by Google Authenticator. Aside from that, it also uses safe-listing addresses. This way, users can only withdraw funds they previously marked as safe. What’s more, in order to reduce the threat of cyber-attacks, Vauld stores your funds in a cold wallet (offline).
All the traffic on Hodlnaut is SSL-encrypted and it runs on AWS. Moreover, just like Vauld, Hodlnaut also stores your funds in a cold wallet and utilises a whitelisting feature, ensuring the withdrawals only happen to approved addresses. Still, if you want to protect your funds even better, you can buy additional insurance via Nexus Mutual.
Winner - Tie
Both Vauld and Hodlnaut's security is top-notch, and you won't have to worry about your funds on either of these platforms.
The Verdict - Vauld
Both Hodlnaut and Vauld are both excellent user-friendly options for anyone looking to earn high interest on their crypto. However, when it comes to a comparison between the two, I would prefer Vauld, as it offers more functionality (buying/selling crypto, automatic investment plans), higher interest rates, and more than 275+ coins.
But if you are just interested in a simple platform to earn interest on popular cryptos, Hodlnaut is a great choice, and they offer new users a FREE 30 USDC bonus if you sign up with this unique link.
If you are still doing your research, you can read this article on the best crypto interest accounts.
Overall Winner - Vauld
Vauld wins with more features, over 275+ coins, and higher interest rates.
Frequently Asked Questions
Yes, Hodlnaut is an extremely trustworthy crypto interest platform. It is required by law to follow the financial regulations in place in Singapore, where it's based. Hodlnaut also works in close connection with AWS so that any customer or crypto information available on the platform is SSL-encrypted.
All of the customer data and assets stored on Hodlnaut are stored in cold wallets, completely offline. On top of that, Hodlnaut uses whitelisting technology, which only allows withdrawals to approved addresses. If this is not enough for your peace of ind, you can also purchase further insurance from Nexus Mutual.
Yes, Vauld is a secure platform that has never experienced any security breachs or hacks. Your crypto is stored safely offline, and they implement whitelisting technology.
Juntao Z. is the CEO and Co-Founder of Hodlnaut.
Still Researching?
If you are still undecided, you can read my full review on Hodlnaut (here) and Vauld (here) or take a look at my article on the top crypto savings accounts.
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