Question 1

How is 8lends connected to Maclear?

Accepted Answer

8lends was created by Maclear, a Swiss P2P lending company founded in 2020. Maclear built the foundation with strict compliance, while 8lends takes the model global with Web3 infrastructure.

Question 2

How does 8lends work?

Accepted Answer

You invest in real companies through legally binding, collateral-backed loans. Businesses use your funds to grow and repay with fixed interest, while everything is secured and transparent on-chain.

Question 3

How does 8lends select companies for fundraising?

Accepted Answer

We check financials, collateral, market potential, legal compliance, and company reputation. Each project is scored based on 40+ parameters. Ratings range from AAA (10/10, lowest risk) to D (1/10, highest risk). Only carefully vetted businesses with real collateral make it through.

Question 4

How do smart contracts, audits, and currencies work?

Accepted Answer

All loans run in USDC and are secured by a smart contract on the Base blockchain. Terms can't be changed, and repayments run on schedule. Security is confirmed by CertiK and Cyberscope audits. Everything is transparent and collateral-backed.

Question 5

How does 8lends make money?

Accepted Answer

8lends charges borrowers a 3% platform fee once a pool is fully funded, plus penalty fees if deadlines are missed by a borrower. Investors keep 100% of their returns while businesses get fair loan terms.

Question 6

Do projects go through risk scoring?

Accepted Answer

Every project on 8lends gets a credit rating from AAA (10/10, lowest risk) to D (1/10, highest risk), based on financials, management, and liquidity. Ratings show default risk, are updated quarterly, and follow global standards like S&P and Moody's.

Question 7

What fees are there for investors?

Accepted Answer

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.

Question 8

What is monthly interest and principal repayment?

Accepted Answer

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

Question 9

What is the minimum investment and average return?

Accepted Answer

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.

Question 10

What is a stage and how does it work?

Accepted Answer

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.

Question 11

KYC and Data Security

Accepted Answer

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.

Question 12

Video overview of the platform

Accepted Answer

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

Question 13

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

Accepted Answer

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

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