FAQ

Frequently Asked Questions

General

6 articles

Learn how 8lends works, its partners, and investment security

Investments

8 articles

Explore investment terms, risks, returns, and legal protections

User Guide

8 articles

Step‑by‑step guides for registration, verification, and investing

Bonuses

3 articles

All about loyalty system, referral program and other bonuses

Tokens 8LNDS

23 articles

Find out more about our benefits

General

10 articles

Asset Security on the Base Network: Why Code Cannot Afford Errors

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How Borrowers Get on 8lends

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Trust, but Verify: How to Track Every Cent on 8lends (Even Without Registration)

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RWA at 8lends: How Real Collateral Works

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The "Buyback" Badge: What Does 100% Protection of Your Investment Mean?

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The Math Behind the Yield: Where Do 18–25% APY Come From and Why Is It Normal?

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USDC: Why Did We Choose the Digital Dollar Over Bank Transfers?

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Referral program

Invite a friend and earn 6% of your friend’s investments in USDC as a bonus.

The referral period lasts 45 days from the moment your friend connects their wallet using your link.

After that, new investments won’t participate in the referral program — but all previously accrued rewards will continue to be paid according to schedule.

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How Does the Credit Rating (Risk Scoring) System Work on 8lends?

Each borrower on 8lends receives a credit rating from AAA to D. This rating determines the interest rate and whether the business is accepted onto the platform at all. The rating is calculated by Maclear AG based on more than 40 criteria: financial strength, credit history, collateral liquidity, business model, and documentation. Businesses rated below C, CC, D are not accepted onto the platform. The rating is displayed on every project card, helping investors assess the risk before they invest.

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What is 8LNDS?

8LNDS is the marketing token for the 8lends ecosystem, built on the Base blockchain. It is primarily used for the platform's bonus and reward programs. In the future, the token will also provide access to exclusive platform features and utilities.

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KYC and Data Security

KYC protects you and your funds. With Sumsub, we ensure AML/GDPR compliance, fraud prevention, and full legal clarity. It also guarantees your data is protected and that each of your investments is tied to you.

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Glossary: Key 8lends Terms

The glossary contains definitions of all terms used in the 8lends FAQ. Each definition links to the first FAQ article where the term appears. Definitions are written as standalone 40–80-word entries that answer a specific question.

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What Is 8lends? How the Web3 Crowdlending Platform Works

8lends is a Web3 RWA and P2B crowdlending platform launched on March 3, 2025. The platform operates on the Base blockchain (→ Article 1), with all investments and repayments made in USDC (→ Article 1).

Investors lend to small and medium-sized businesses and earn 19–25% annual interest in USDC. Every loan is backed by real collateral and undergoes due diligence by Maclear AG (→ Article 1), which evaluates borrowers across more than 40 risk and business parameters.

Today, 8lends has more than 1,800 investors, over $13 million in funded loans, more than $4.3 million repaid, and zero defaults. The minimum investment is 100 USDC.

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Investment Bonus (Proof of Loan)

It’s a +6% bonus on every investment, paid in 8LNDS tokens with a 10-month vesting period.

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Video overview of the platform

Learn the basic features of 8lends in this short video.

Click to watch

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What is the total supply?

The initial supply is 100,000,000 8LNDS, with the full amount provided as initial liquidity.

The tokenomics model allows new tokens to be minted automatically by the Reward System smart contract.

Minting happens only to fulfill real reward distributions such as investments, bonuses, retrodrops, and airdrops.

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What fees are there for investors?

None. Investors pay no entry, maintenance, no withdrawal fees. All costs are covered by borrowers, so you keep 100% of your returns with no hidden deductions.

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Who is behind 8lends?

8lends is run by two related companies with separate roles. Alpha Systems LLC operates the Web3 platform (smart contracts, interface, USDC settlements) as a VASP supervised by the FSA SVG, while Maclear AG (Basel, Switzerland) is the Collateral Agent handling borrower due diligence and collateral. 8lends is the Web3 evolution of Maclear.

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Signing up – what if I don’t receive a confirmation code?

Check your email’s spam folder, or contact our support team at @daniel_8lends or @ceviz1389.

Write to us by email

Write to our Telegram

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How does the Reward System work and what functions does it perform?

The Reward System is a unified smart contract that manages all token rewards, distributions, and emission logic within the 8lends ecosystem.

It handles:

Proof of Loan bonuses
Retrodrops for early users
Airdrops (Zealy / Galxe campaigns)
Vesting and scheduled token unlocks

All rewards are processed automatically and transparently on-chain.

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What is monthly interest and principal repayment?

Borrowers pay monthly interest during the loan term, and at the end of it, they repay principal (your original investment) in full.

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How does the buyback, burn, and mint mechanism work?

Each reward distribution is executed in one atomic transaction consisting of three steps:

Buyback – the contract purchases the required amount of 8LNDS from the liquidity pool
Burn – the purchased tokens are sent to a dead wallet and permanently removed from circulation
Mint & Distribute – new tokens are minted and sent to the user

This mechanism helps keep the circulating supply balanced and avoids direct sell pressure during reward payouts.

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How do I pass KYC?

Connect your wallet, start KYC on any project page, choose your device, country, and document type, then upload your ID and follow the instructions. Verification takes just a few minutes.

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What is the minimum investment and average return?

The minimum investment is 100 USDC. Average returns are 19-25% per year, with loan terms from 4 to 16 months. Businesses agree to these rates because 8lends offers faster approval than banks and fair terms, while investors earn regular interest without long lockups.

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How does the 8lends platform work?

8lends is a P2B crowdlending platform: businesses get financing, investors earn 19–25% annual interest in USDC. Every loan passes Maclear AG's due diligence (40+ criteria) and is backed by real collateral. Investments, interest and repayments are automated by smart contracts on Base. Minimum investment is 100 USDC; loan terms run 4–16 months.

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How do I set up a wallet?

Download MetaMask, create a wallet, and back up your secret phrase safely. Copy your Ethereum address, add the Base network, and import USDC. Now your wallet is ready to use with 8lends.

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What is Proof of Loan?

Proof of Loan is a +6% bonus applied to every investment you make on the platform.The bonus is paid in 8LNDS tokens and follows a 10-month vesting schedule, with 2.5% unlocking every week.

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What is a stage and how does it work?

The minimum investment is 100 USDC. Average returns are 19-25% per year, with loan terms from 4 to 12 months. Businesses agree to these rates because 8lends offers faster approval than banks and fair terms, while investors earn regular interest without long lockups.

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Who Can Invest on 8lends? Investor Requirements and Restrictions

8lends is available globally, except for residents of 13 sanctioned jurisdictions. To invest, you need to be 18 or older, pass KYC through Sumsub, connect a non-custodial wallet on the Base network, and invest at least 100 USDC. PEPs are only accepted with Enhanced Due Diligence. The platform is for individual investors only — KYB is not available.

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What happens if a default occurs?

If a borrower delays a payment for 60+ days, the loan automatically counts as a default and becomes frozen. Collateral is sold, and proceeds go to investors.

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How do I invest?

Connect your wallet at app.8lends.io, choose a project, enter an amount (min. 100 USDC), and confirm. Your investment appears in your dashboard with all details and returns tracked automatically.

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How are tokens distributed and vested (Vesting Model)?

All token distributions are handled automatically through smart contracts.

Tokens are sent to the user’s wallet and locked in a vesting contract.

Vesting structure:

Initial unlock: 2.5% unlocked immediately
Linear vesting: the remaining 97.5% unlock at 2.5% per week over 10 months

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How do smart contracts work on 8lends?

Every operation on 8lends – investments, interest payments, principal repayments, claims, and position sales – is handled by smart contracts on the Base blockchain. The terms of each loan are written into the contract and can't be changed once it's deployed: neither the platform nor the borrower can alter them. Withdrawals don't require anyone's approval – you initiate them yourself, without 8lends' say-so. The contracts have been independently audited by CertiK and Cyberscope. All transactions can be verified publicly on basescan.org.

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How do I buy or swap cryptocurrency?

We’ve prepared tutorials guide you step by step. Click to watch.

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Where can I track my allocations?

You can track all your 8LNDS allocations in your Dashboard, under the “8LNDS TOKEN” tab. Allocations are clearly separated by category, such as investments or campaign rewards.

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When and how do I receive my returns?

Interest is paid monthly and deposited to your 8lends account. At the end of the term, your principal is repaid in full. You can withdraw anytime or reinvest in new projects. All transactions are recorded on-chain.

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How is liquidity created?

Initial DEX liquidity on Base is seeded with:

100,000 USDC
100,000,000 8LNDS

This sets the initial ratio at 100,000 USDC : 100,000,000 8LNDS, meaning the starting token price is $0.001 per 8LNDS.

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How do I pay taxes?

Paying taxes on crypto depends on the rules in your country, and some of them are still a bit unclear. 8lends isn’t authorized to give legal or tax advice, but our partner Blockpit.io is. They work with us and our investors to help handle crypto taxes.

We’ve prepared an article that explains their work in more detail and how they can support you.

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How does 8lends protect investors?

Investor protection on 8lends works across six layers: real-world assets (RWA) backing every loan, an independent Collateral Agent – Maclear AG – smart contracts on the Base blockchain with terms that can't be changed and withdrawals that need no one's permission, a Buyback program for selected projects, a statutory deposit of EC$100,000 held with the FSA, and security audits by CertiK and Cyberscope. The platform's track record as of May 2026: zero defaults since launch on 3 March 2025.

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Can I buy the token?

No. At this stage, users cannot buy the token directly.

Purchases are restricted by the smart contract and can only be executed by the Reward System.

Users receive 8LNDS exclusively through eligible actions such as investments, bonuses, and participation in campaigns.

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What is Buyback protection?

Buyback is a mechanism that protects the loan principal through a third party (not the platform, not Maclear AG). If the borrower defaults (60 days late), the partner buys out your position and returns the full principal straight away – you don't have to wait for the collateral to be sold. The buyback happens under the terms of the Buyback program. Projects with Buyback carry a clear badge on their card. The interest rate on Buyback projects is usually lower – that's the trade-off for the extra protection. Buyback doesn't apply to every project, only those marked with the badge.

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Can I sell the token?

Yes. Any user who holds 8LNDS can sell the token from day one.

Liquidity is provided by the company, meaning the token is fully backed from launch.

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Does 8lends use collateral?

Yes. Every loan on 8lends is secured by real collateral – the tangible assets of the borrowing business. This is a Real World Assets (RWA) model: unlike purely crypto-backed DeFi platforms, collateral on 8lends means equipment, inventory, real estate, and accounts receivable. Maclear AG handles the valuation and legal processing of the collateral in its role as Collateral Agent. Each project page shows the type of collateral, its valuation, and the LTV – the ratio of the loan amount to the collateral value.

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What are Stage 1 and Stage 2?

The token rollout is divided into two stages.

Stage 1 includes:

Token launch on DEX
Distribution of tokens to investors
Activation of the Reward System smart contract

Stage 2 will be announced later.

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What happens if a borrower defaults?

A default triggers after 60 days of missed payments. What comes next depends on the project type: for projects with Buyback, a third party buys out your position and repays the full loan principal under the program terms; for standard RWA projects, Maclear AG, as the Collateral Agent, starts the process of selling the collateral. The sale can take anywhere from 1 to 12 months. Any money recovered is split among investors in proportion to their shares. 8lends' track record as of May 2026: zero defaults since the platform launched on 3 March 2025.

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Who can get tokens at launch?

Project investors
Retrodrop and airdrop participants

Only the Reward System is able to buy tokens to balance emissions. Any user who receives tokens is free to sell them.

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How does 8lends select companies for funding?

Every borrower on 8lends goes through a five-stage due diligence process run by the Maclear AG team. More than 40 criteria are checked: financial strength, credit history, collateral liquidity, business model, and documentation. Based on this assessment, a credit rating from AAA to D is assigned. Fewer than 10% of applications make it through and get listed on the platform. The screening follows the Swiss regulatory framework—PolyReg SRO, supervised by FINMA.

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Why can the supply increase beyond the initial 100 million tokens?

Because the token model is dynamic.

New 8LNDS tokens are minted only to cover verified, real reward activity processed by the Reward System smart contract, such as:

New investments
Proof of Loan rewards
Bonus program payouts
Retrodrop and airdrop distributions

Token emission is directly tied to real economic activity, investments, and collateral-backed lending.

This approach supports long-term sustainability while avoiding pressure on dollar-denominated payouts.

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How does 8lends make money?

8lends charges borrowers a 3% commission when a pool closes successfully, plus late-payment penalties as set out in the contract. Investors pay no fees to the platform—not for signing up, investing, receiving payouts, or withdrawing funds. The only cost investors face is the Base network's gas fees, which usually come to a few cents and go straight to the network, not to the platform. This setup keeps everyone's interests in line: the more successful projects there are, the better it is for the platform, for borrowers, and for investors.

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Why does 8lends use USDC?

8lends sticks to USDC as its only settlement currency. Everything from investments and interest to repayments and fees is in USDC. It's a stablecoin pegged 1:1 to the US dollar, issued by Circle Internet Financial (NYSE: CRCL). The reserves are held in cash at regulated US banks and in short-term US Treasury bonds (about 80% through the Circle Reserve Fund, managed by BlackRock). Deloitte publishes monthly attestation reports on the reserves. USDC gives investors dollar-based returns without the volatility of crypto, all on the fast and low-cost Base network.

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What is RWA lending?

RWA lending (Real-World Asset lending) means a loan is backed by a business's actual, physical assets: equipment, inventory, real estate, and accounts receivable. That's what sets RWA platforms apart from crypto-backed DeFi protocols, where the collateral is a volatile token. 8lends sticks to an RWA + P2B model: investors lend directly to small and medium businesses, each loan is secured by real collateral, and that collateral is valued and legally handled by Maclear AG as Collateral Agent.

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What is P2B lending?

P2B lending (Peer-to-Business) is a way for private investors to lend to real businesses, without a bank in the middle. Unlike P2P (person-to-person loans), P2B serves actual businesses: small and medium companies get the funding they need, and investors earn a fixed interest rate. 8lends is a P2B + RWA lending platform: investors lend to businesses through smart contracts on the Base blockchain. Every loan is backed by real collateral, and interest rates range from 19–25% a year, paid in USDC.

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How does 8lends differ from other RWA and P2B platforms?

8lends is the only platform that brings together four things at once: P2B lending with RWA collateral, USDC settlements on the Base blockchain, fixed rates of 19–25% a year, and Swiss due diligence through Maclear AG as Collateral Agent. Minimum: 100 USDC. Track record: 1,800+ investors, $13M+ in loans issued, $4.3M+ repaid, zero defaults since launch on 3 March 2025.

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Is 8lends regulated?

8lends is a crowdlending platform, not a crypto exchange, and its legal structure does not require a MiCA CASP license. Crowdlending operations are carried out by CLEARCHAIN CORP (Canada), registered with FINTRAC as a Money Services Business (No. C100001102, valid until 31 August 2028). Alpha Systems LLC owns the software, and Maclear AG (Switzerland, a member of PolyReg SRO under FINMA) acts as Collateral Agent. EU investors can access 8lends under Article 61 of MiCA (reverse solicitation), subject to standard KYC/KYB and AML procedures.

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