8lends delivers the same investment experience as Maclear AG, but with higher
APRs (19–25% in USDC). The core stays the same: a Swiss compliance
framework and investments in real businesses secured by real collateral.
Swiss PolyReg-supervised entity holding and registering collateral on your behalf
Fixed annual rate, monthly interest payments, principal returned at term end
Funds custodied on-chain via Base; contracts audited by CertiK and Cyberscope
For retail investors. The minimum investment for corporate clients is $100K; these cases are discussed individually with a dedicated manager.
The legal and operational backbone — holds collateral, manages defaults, ensures compliance
The investor-facing platform where you browse projects, invest, and earn returns
Collateral Agent
P2B Investment Platform
Switzerland — PolyReg SRO member, audited by Grant Thornton AG
SVG — registered VASP under the FSA (operated by Alpha Systems LLC)
Verifies, holds and registers borrower collateral — and recovers it in case of default
Connects you with vetted borrowers; handles investment flow, payments and reporting
Indirect — security layer
Direct — you are the investor
Not applicable
19–25% APR fixed, paid monthly in USDC
Not applicable
100 USDC retail · $100K corporate
Off-chain collateral (equipment, inventory, property)
On-chain funds via smart contracts on Base (audited by CertiK & Cyberscope)
Maclear initiates collateral recovery and distributes proceeds to investors
Some projects (loans) have BuyBack protection. If a borrower defaults, the full principal is returned according to the program terms
In short: 8lends lets you invest directly in real businesses. Maclear AG audits them and secures their collateral to help protect your investments.
Move the sliders to see your potential returns
(no compounding tricks included)
Calculations are estimates. Actual APR varies by project. Capital is at risk
Four steps from deposit to compounded returns
Calculations are estimates. Actual APR varies by project. Capital is at risk
8lends is a crypto crowdlending platform where investors fund real small and medium businesses.
You choose a project → invest in USDC → receive monthly interest → claim your principal at the end of the term.
All investments carry risk: payment delays, business difficulties, or market changes. We reduce these risks through due diligence, real collateral, BuyBack protection, and full blockchain transparency.
The BuyB badge means 100% principal protection.
If a borrower delays payment for more than 60 days:
- Our BuyBack partner repurchases your loan
- You receive 100% of your principal
- All interest earned before the delay stays with you
This is the highest level of protection on the platform.
All actions happen directly through your crypto wallet. You top up your wallet with USDC → invest → funds go into a smart contract → interest and principal are returned straight to your wallet.
Every borrower goes through multi-layer due diligence by Maclear AG based on 40+ internal criteria:
financial stability, credit history, collateral liquidity, risk scoring, business model, documentation quality, and more.
USDC is a fully regulated stablecoin compliant with MiCA and recognized as safe across the EU.
It provides stability, fast transfers without banking delays, and works perfectly for our mainly European investor base.
Project yields on 8lends range from 18% to 25% APR, depending on project duration and risk profile.
At the end of the loan term, you claim your principal + the final interest payout in a single transaction.
Example: you invest in January → 6-month term → in June you claim both interest and principal at once.
The minimum investment amount is 100 USDC.
Yes, users from most countries can invest.
Exceptions include the USA, Russia, and several restricted jurisdictions.
The only fee you pay is the gas fee for blockchain transactions. 8lends runs on Base network — you will need a small amount of ETH (Base) to perform transactions.
For the first 30–60 days, Maclear AG works with the company to resolve the issue.If the project has a BuyB badge:
- You get 100% of your principal back
- All interest earned before the delay stays with you
If there is no BuyB:
- Maclear AG begins collateral recovery
- Sale proceeds are distributed proportionally among investors
No, investments are locked until the end of the loan term.
However, our roadmap includes a secondary market, which will allow early exits. The feature is not available yet.
Small and medium businesses in developing regions often cannot access fast, reliable, or affordable financing:
- banks are slow or unstable
- interest rates are much higher than in the EU
- local currencies are volatile
- strict bank requirements block many companies
- traditional financing includes high fees and costly intermediaries
Through 8lends, businesses reduce costs and get funding quickly — allowing them to offer higher yields to investors.
At the same time, loans are backed by real business assets and controlled by Maclear AG.
Yes. After full due diligence, each borrower receives a rating from AAA to D, reflecting their financial stability, risk profile, and collateral quality.
