YouHodler Taxes: How to Import Your Transactions & Generate Your Tax Report
YouHodler is a Swiss-based crypto lending and savings platform offering yield-bearing accounts, crypto loans, and multi-HODL leveraged trading. Every yield payment, crypto disposal and loan liquidation on YouHodler is a potential taxable event. CoinTracking imports your full YouHodler transaction history via CSV and generates a jurisdiction-specific tax report covering all yield income, purchases, sales and loan activity.
How to Import Your YouHodler Transactions into CoinTracking
Watch how to export your YouHodler transaction history as a CSV and import it into CoinTracking to generate your complete crypto tax report.
Start Your Free YouHodler Import- Every yield payment from YouHodler savings accounts, every crypto disposal, and any collateral liquidation event on YouHodler is a taxable event in the year it occurs. Buying crypto with fiat creates cost basis but is not itself taxable. Tax compliance is your personal responsibility.
- CoinTracking supports YouHodler CSV import. Export your transaction history from your YouHodler account and upload it to CoinTracking. All yield income, crypto purchases, sales, and loan activity are supported.
- Depositing fiat to YouHodler, depositing crypto as loan collateral (without liquidation), and holding crypto in YouHodler are generally not taxable events. Only disposals — selling, spending, or transferring crypto — and yield income trigger a tax obligation.
- Tax compliance is your responsibility. YouHodler is a Swiss-based platform and is not an EU-regulated CASP subject to DAC8. Your tax authority will not receive automatic reports from YouHodler. You are required to report all taxable gains and income from your YouHodler activity in your annual tax return.
YouHodler and Your Crypto Tax Obligations
YouHodler was founded in 2018 and is headquartered in Lausanne, Switzerland, with operations regulated under Swiss financial law. It is a crypto-backed lending and savings platform that allows users to earn yield on crypto holdings, take out loans backed by crypto collateral, and access multi-HODL leveraged trading strategies. YouHodler supports a wide range of cryptocurrencies and stablecoins.
As a Swiss-based company, YouHodler is not subject to EU DAC8 reporting obligations. This means your tax authority will not receive automatic reports of your YouHodler activity — you are responsible for declaring all taxable events in your annual tax return.
YouHodler users need to account for:
- Yield and interest earned on savings accounts (taxable income at fair market value on date received)
- Selling or exchanging crypto (taxable disposals)
- Collateral liquidations by YouHodler (may constitute taxable disposals)
- Multi-HODL profits from leveraged trading (taxable gains)
Crypto Tax Basics for YouHodler Users
YouHodler is used globally, with users across Europe, the United Kingdom, and beyond. Here are the key tax rules that apply to YouHodler activity.
Yield income is taxable in the year it is received
Interest and yield earned on YouHodler savings accounts is generally treated as ordinary income in most jurisdictions. The taxable amount equals the fair market value of the crypto received at the time of each yield payment. In Germany, this falls under § 22 EStG (other income). CoinTracking records each yield payment as an income event with the correct FMV timestamp.
Selling or exchanging crypto is a taxable disposal
Converting crypto to fiat, or exchanging one cryptocurrency for another on YouHodler, constitutes a disposal for tax purposes. The taxable gain or loss equals the difference between the fair market value at the time of disposal and your original acquisition cost. CoinTracking tracks each disposal individually and applies your chosen cost-basis method.
Crypto-backed loans: borrowing vs liquidation
Taking out a loan backed by crypto collateral on YouHodler is generally not itself a taxable event — the crypto is pledged as security, not disposed of. However, if YouHodler liquidates your collateral to cover an under-secured loan, that liquidation may be treated as a taxable disposal at the market price at the time of liquidation. CoinTracking allows you to correctly classify these events.
Multi-HODL leveraged trading profits
Gains from YouHodler\'s multi-HODL leveraged trading feature are typically treated as taxable capital gains or income, depending on your jurisdiction and the frequency of trading. CoinTracking imports all multi-HODL transaction data from your CSV export and calculates the resulting gains and losses.
DAC8 is not applicable to YouHodler
The EU DAC8 directive requires EU-regulated crypto-asset service providers (CASPs) to automatically report transaction data to EU tax authorities from 1 January 2026. YouHodler is a Swiss-based company regulated under Swiss law, not by EU authorities under MiCAR. It is not subject to DAC8. Users in the EU or elsewhere must self-report all YouHodler activity — it will not be reported on their behalf.
YouHodler Taxes by Country
Key crypto tax rules for countries where YouHodler is most commonly used. Select your country for specific rates and requirements.
Germany
- § 23 EStG: Crypto gains taxed at personal rate (up to 45%) if sold within 1 year of purchase; tax-free if held over 1 year
- Annual exemption: €1,000/year in private disposal gains
- Cost basis: FIFO per wallet
- Yield income: Taxable as other income under § 22 EStG at FMV on date received — report on Anlage SO
- Forms: Anlage SO
United Kingdom
- Capital Gains Tax: 18% (basic) / 24% (higher) from October 2024
- Annual exempt amount: £3,000 (2024/25)
- Cost basis: Section 104 pooling (HMRC)
- Yield income: Treated as miscellaneous income; reportable to HMRC
- Authority: HMRC
United States
- Short-term gains: Ordinary income rates (up to 37%) for crypto held ≤1 year
- Long-term gains: 0%, 15% or 20% for crypto held >1 year
- Yield income: Report as ordinary income at FMV on date received; on Schedule B or Schedule 1
- Cost basis: FIFO or specific identification (IRS)
- Authority: IRS
Switzerland
- Capital gains: Generally tax-free for private individuals unless classified as professional traders
- Yield / interest income: Subject to income tax as moveable capital income
- Wealth tax: Crypto holdings may be subject to annual cantonal wealth tax at year-end market value
- Authority: Cantonal and federal tax authorities (ESTV/AFC)
Australia
- Capital Gains Tax: Crypto disposals subject to CGT; 50% CGT discount for assets held >12 months
- Yield income: Treated as ordinary income at FMV on date received
- Cost basis: Cost base at time of acquisition; FIFO commonly applied
- Authority: ATO (Australian Taxation Office)
Tax rules change frequently. This overview is for general information only. Consult a qualified advisor for your specific situation.
Are YouHodler Transactions Taxable?
In most jurisdictions, yield income and crypto disposals on YouHodler are taxable events. Use this as a starting reference — exact rules vary by country.
Taxable Events
- Yield/interest earned on YouHodler savings accounts (income at FMV)
- Selling crypto for fiat on YouHodler
- Exchanging one crypto for another
- Collateral liquidation by YouHodler (disposal at market price)
- Multi-HODL leveraged trading profits
Not Taxable
- Buying crypto with fiat on YouHodler
- Depositing fiat to YouHodler
- Depositing crypto as loan collateral (without liquidation)
- Holding crypto in YouHodler
Tax treatment varies by country. Always verify with a qualified advisor for your specific situation.
How to Calculate Your YouHodler Taxes
YouHodler users who earn yield on multiple assets, run multi-HODL strategies, or take crypto-backed loans can accumulate a large number of transactions throughout the year — each with different FMV values, cost basis records and tax classifications. Manually tracking each yield payment, disposal and potential liquidation event across multiple currencies is time-consuming and error-prone.
CoinTracking imports your full YouHodler transaction history from your CSV export, assigns the correct acquisition date and market price to every transaction, and applies your chosen cost-basis method (FIFO, LIFO, HIFO). It then generates a jurisdiction-specific tax report — ready for your accountant or tax authority in Germany, the UK, the US, Australia and beyond.
How to Import YouHodler into CoinTracking
Three steps to import your YouHodler data and generate your tax report via CSV.
- 1
Log into CoinTracking and open Imports
After logging in, click the Import icon in the left navigation. This is where you add all your exchanges, wallets and blockchains. Search for YouHodler to start.
- 2
Download your YouHodler CSV and upload it
Log into your YouHodler account and go to your transaction history to find the CSV export option. Download your full transaction history as a CSV file. In CoinTracking, search for YouHodler in the import search and upload the CSV. All yield income, purchases, sales and loan activity will be imported.
- 3
Review transactions and generate your tax report
Once your YouHodler data is imported, validate the transactions and generate a tax report for your jurisdiction. CoinTracking calculates capital gains, yield income and losses — including collateral liquidation events — and formats the output for your country, ready for your accountant or tax return.
"CoinTracking can handle just about any complex transaction you can throw at it and the automation is a real lifesaver. Of all the tax software tools we've reviewed, CoinTracking is the most detail-oriented and has more accuracy checks in place than the competition."
How to Create Your YouHodler
Tax Report with CoinTracking
Three steps from YouHodler CSV to a tax report your accountant will accept.
Import your YouHodler transactions
Download your CSV from your YouHodler account and upload it to CoinTracking. All yield income, purchases, sales and loan activity are imported.
Review and validate your transactions
Open Reports → Validate Transactions. CoinTracking flags missing cost basis, missing prices and unresolved transfers so you can correct them before generating your report.
Generate your YouHodler tax report
Select your country and tax year. CoinTracking generates a jurisdiction-specific tax report in PDF or Excel format, covering all YouHodler gains, losses and yield income — ready to file or hand to your accountant.
No — YouHodler provides a transaction export (CSV). CoinTracking imports this and generates your full tax report, including cost-basis tracking across all crypto purchases, disposals, yield earnings and loan activity.
Log into your YouHodler account and navigate to your transaction history or account settings to find the CSV export option. Download your transaction history as a CSV file and upload it to CoinTracking using the import search.
Yes — in most jurisdictions, yield or interest earned on YouHodler's savings accounts is treated as ordinary income at the fair market value of the crypto on the date it is received. CoinTracking records each yield payment as an income event in your tax report.
YouHodler is a Swiss-based platform regulated under Swiss law. It is not subject to EU DAC8 reporting obligations. Tax compliance for YouHodler activity is your personal responsibility in your country of residence.
Germany: FIFO per wallet (§ 23 EStG). US: FIFO or specific identification (IRS). UK: Section 104 pooling (HMRC). Switzerland: actual cost or FIFO commonly applied. CoinTracking supports FIFO, LIFO, HIFO and all major methods.
Taking out a crypto-backed loan on YouHodler is generally not a taxable event in most jurisdictions, as it is treated as borrowing rather than a disposal. However, if collateral is liquidated — sold by YouHodler to cover a loan — that liquidation may constitute a taxable disposal. CoinTracking helps you identify and correctly classify such events in your tax report.
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