--- title: 'Testing 15% Yield! Passive Income with Cryptocurrencies' source: 'https://youtube.com/watch?v=8lwH4NbyAz4' video_id: '8lwH4NbyAz4' date: 2026-08-05 duration_sec: 429 --- # Testing 15% Yield! Passive Income with Cryptocurrencies > Source: [Testing 15% Yield! Passive Income with Cryptocurrencies](https://youtube.com/watch?v=8lwH4NbyAz4) ## Summary The video explores the Youler platform, which offers up to 15% annual interest on various cryptocurrencies. The creator, holding tokens like Render and Pengu, considers moving them from a non-interest-bearing wallet to Youler to earn passive income. They provide three reasons for doing so, evaluate the platform's reliability, and demonstrate the process of depositing and activating a growth account. ### Key Points - **Platform Introduction** [00:01] — Youler pays up to 15% annual interest on various cryptocurrencies. The creator owns several, such as Render and Yo, which offer attractive rates but currently sit idle in a wallet. - **Reason 1: Bear Market** [00:42] — We are in a bear market; Bitcoin is down 44% from $70k to $16k. Tokens like Hondo, Render, and Pengu have fallen ~90%. The creator doesn't plan to sell at these lows, preferring to hold. - **Reason 2: Competitive Returns** [01:08] — At 15% return on ~$10,000, that's $500/year or ~$15/month. Returns are paid in the same cryptocurrency, so 100 tokens at 15% become 115 after a year. - **Reason 3: Logical Decision** [02:16] — Given the bear market, idle assets, and 15% yield, moving funds to the platform seems logical. The main consideration is counterparty risk. - **Platform Reliability** [02:30] — Youler is a Swiss platform launched in 2018, regulated in Switzerland, Argentina, and the EU. Assets are held with Ledger Vault (bank-grade tech), with group insurance up to $150M. Trustpilot rating: 3.8 stars from ~2,000 reviews. - **Personal Experience** [03:23] — The creator has used the platform for years without issues, but emphasizes that each person must assess their own risk tolerance. - **Promotional Code** [03:49] — Using a promo code at sign-up grants 100 sparkles on first deposit of at least $100, which can be used to activate blocks for mining satoshis. - **Deposit Process** [04:15] — Navigate to 'Growth Account', start a new period, select cryptocurrencies, and deposit. The creator shows sending Pengu via Solana network, verifying the address, and confirming the transaction. - **Activating Growth Account** [05:30] — After deposits, select the five tokens, press 'Start Winning', and see projected profits. Earnings can be claimed every ~7 days and are added to the balance. - **Funds Not Locked** [06:09] — Cryptocurrencies are not locked; they can be withdrawn anytime, but withdrawing stops earning. The creator plans a follow-up video after 30 days to show earnings. ### Conclusion The video presents a practical case for earning passive income on crypto during a bear market, balancing the attractive 15% yield against counterparty risk. It demonstrates the deposit and activation process, while reminding viewers to assess their own risk tolerance. ## Transcript a video for Youler and I realized that this platform is paying up to 15% annual interest on various cryptocurrencies. Personally, I own several of these cryptocurrencies, such as Render Yo, which pay a very attractive interest rate. At the moment, I have those cryptocurrencies in this wallet, and here where they are, they are not generating anything for me. But will it really be worth it to move the cryptocurrencies from the wallet where I have them now to a platform like the one we're looking at right now? And now I want to share with you three reasons do it right now. The first one is that we are currently in a we are currently in a bear market. Currently, Bitcoin is 44% $16,000 to $70,000. And cryptocurrencies like Hondo, Render, and Pengu, which are tokens I currently own, have fallen by about 90%. Personally, I don't plan to sell 90%. Personally, I don't plan to sell any of these tokens at 90% below their all-time high. I prefer to keep them. The next reason why I'm going to put them to work is because the returns are quite competitive. At a 15% return, considering that I have approximately, I'm going to invest roughly $10,000 in cryptocurrencies. Calculating 15% of $10,000, we're talking about $500 per year, which gives us a monthly return of $15. The numbers we calculated were also based on the current price of these cryptocurrencies. If these cryptocurrencies I own eventually least recover a bit more, then that amount will be much higher. These the current dollar value of cryptocurrencies, but the interest you see on the platform will be paid in the same cryptocurrency. In other words, if I invest 100 cryptocurrencies at a 15% interest rate, after a year I will have 115. Based on what we've seen so far market conditions, the fact that Bitcoin is at rock bottom, considering that the cryptocurrencies where I currently hold them aren't generating any interest, and that if I transfer them to this platform I'll earn 15%, there's really not much to think about. Sending them to this platform sounds quite logical. But the next question is, how reliable is this platform for me to place my cryptocurrencies here? Here we have to evaluate whether it's worth receiving this 15% interest on our cryptocurrencies and taking that counterparty risk. For this, let's look a little at Hol. Hol is a Swiss platform that was launched in 2018. Its reliability is largely based on its regulatory compliance and also on security measures. This platform is regulated in Switzerland, Argentina, and the European Union. The assets are held using Ledger Bow, which provides bank-grade technology for managing funds. The platform also has group insurance of up to has group insurance of up to $150 million. On Trustpilot it has 3.8 stars and nearly 2,000 user reviews. If you'd like to learn more about this platform, I recently recorded a video that I'll leave here for you. I have personally been using this platform for some things for several years now and to date I have not had any problems. But here everyone has to assess the risk and see if putting your cryptocurrencies on a platform like this is right for you. In my case, I am going to assume that counterparty risk to obtain this 15%. But I agree that my funds also depend on the security of returns. First of all, once you already have an account on this platform, by the way, in case for some reason you don't have an account yet, I'll leave the code there for you to enter in the section that says, "I have a promotional code". If you enter the code that will appear on the screen before creating your account, you will get 100 sparkles when you make your first deposit of at least $100. You can use those sparks to activate these blocks, and once they are activated you can mine them and watch your amount of satoshis increase. If you'd like to learn a little more about this type of mining, I'll also leave a video up here. Once this section that says growth account and then press this section, start with the next period. And here you simply search for the cryptocurrencies that are available here. There's one you have and the interest you see convinces you, so it's simply a matter of depositing it. In my case, I'm going to send these tokens I have here and I'm also going to send this other one I have in this other wallet. So, under "Home," what I'm going to click is "Add Funds," and here you can fund this account using those three methods. In my case it will be cryptocurrencies and since I have the Pengue token I select the Solana network and this is the address to which I will be able to send the tokens. I'll come here to my wallet and we'll just press send. We paste the address that appears here on the Uholder platform. Here, make sure to verify that the address Then you enter the amount you want to send, press next, and if you agree with the fee you will pay, you send it. And at this moment this token is already on its way to the platform. I'm going to do the same with these other tokens I and we'll be right back. We have already sent our cryptocurrencies. Here are the five we're going to put to work. Combined they add up to this value. So, here at the beginning what we're going to do is press this section that I made, growth account, and in the same way we start the next period. Something interesting here is that the five next is press this plus symbol to add them. Once the five are selected, we press start winning. And here will appear the profits I earn . In a period of approximately 7 days, I will be able to claim those earnings and what I claim will be added to the cryptocurrencies I acquire. It's worth mentioning that these cryptocurrencies are not locked; they are open to the public. I can withdraw them whenever I want, and obviously if I withdraw them I'll stop earning. That sounds logical enough, but they're not locked. follow-up video after 30 days to can also see how much we've earned. So if you'd like to watch that video, I invite you to subscribe to the channel to stay tuned, and while we're at like, as that helps a lot in getting this content to more people like you. Before I say goodbye, I'd like to invite you to become part of can follow us on Instagram for short educational content, join the Telegram channel, or also become part of the new WhatsApp group where you can interact with other investors. I'll leave those links description of this video, and a couple of videos will appear here. In this video, I'll teach you everything about that platform: what it is, how it works, and the products it offers. And in this other one I'll show you how to mine Bitcoin without using any machinery. I'll say goodbye mine Bitcoin without using any machinery. I'll say goodbye here for today.