InvestmentsIn Real Businesses
P2B Crowdlending: clear terms, real collateral, monthly interest payments, and returns up to 25% APR
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Total Funded
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Investors
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Total Repaid
0%
Repaid on Time
4 years of experience. We brought our traditional lending expertise to Web3 in 2025 with verified borrowers, real collateral, and fixed rates.
8lends is a P2B platform: businesses receive loans to scale their operations, while investors receive fixed interest for funding these loans
Projects Overview
Small and medium-sized businesses raising capital for growth, expansion, and modernization. Every project is audited by Maclear AG
All ProjectsFastlending
A different way to lend through a smart contract — your money goes into an open pool instead of a single business loan. It earns while it sits there, and you can take it out at any moment.
Learn more
Withdraw Anytime
Lender Access
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APY
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Free Liquidity
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Pool Use
Entry and exit are easy: invest any amount — every dollar you lend is backed by roughly $1.20 of the borrower’s collateral. Withdraw profit and principal anytime; the rate follows loan demand, usually 3–12%.
How We Handle Risks
BuyBack
If a payment is overdue, the platform partner buys the loan and returns 100% of the principal — accrued interest stays with the investor
Due Diligence
Before a business is listed on the platform, Maclear AG runs a full background check on its financial standing, credit history, and reputation
Risk Rating: AAA–D
After due diligence, each borrower is assigned a rating, making it clear which level of risk corresponds to each project's rate
Real Collateral
Each loan is secured by machinery, real estate, or equipment with a confirmed market value — legally registered and independently assessed
How to Get Started
Total earned
1,150 USD
Choose a project
Filter by country, APR, term, and rating
Sign up
With a wallet or email. Investments of $100–500 without KYC, $500+ with KYC
Fund and invest
Add USD to your 8lends account using a bank card, crypto exchange, or crypto wallet
Payments
Earn monthly interest and receive the principal back at the end of the term
Platform Transparency
Direct Payments
Deposits and withdrawals go straight on-chain — no intermediaries, no delays
Fixed Terms
Locked in the smart contract — no one can change them, not even us
Blockchain Transparency
All payments are public on Base — verify any transaction, no sign-up
Zero Defaults
Not a single loan in our history has resulted in a loss for an investor
Bonuses
First Investment Bonus
$30 for a first investment of $100+. Paid as a voucher once the principal is returned
Referral Program
Invite a friend and earn 6% of their investments in USD. Bonus period: 45 days
8lends Leagues
Your league depends on your total active investments across all funding or running projects
Monthly Reports
We publish monthly PDF reports covering company performance, financial results, and operational highlights
They Talk About Us
Reviews
Pablo Diaz
“Originally I started at Maclear platform but strongly believe the future of P2P platforms goes completely to web3, where 8lends got all potential to be one of the most important platforms in the sector. Fast and reliable support all the time when needed.”
Read MoreRudy
“I've been using 8lends for a few months now, and so far the platform has lived up to its promises: subscriptions are simple and fully on-chain, distributions are regular and without surprises, and the support team is quite responsive.”
Read MoreFernanda Mier
“As my first time on crowdlending, the 8lends support was invaluable and key to allow me to achieve my objectives. They replied immediately and guided me in detail.”
Read More
Start earning with
your first investment
Register, invest from $100 and the bonus lands as a voucher once the principal is returned
Do You Have Any Questions?
All questionsThe platform has been audited by CertiK and Cyberscope, and all transactions are publicly visible on the Base blockchain. Two companies with clear responsibilities stand behind the platform: Maclear AG operates the platform, conducts due diligence and monitors collateral, and CLEARCHAIN CORP handles operations and is registered as a Money Services Business with FINTRAC (Canada). So the platform is well regulated, transparent and accountable
If the project has BuyBack, the partner buys the loan and returns 100% of the principal once it is overdue for 60 days or more. Without BuyBack, Maclear AG initiates the sale of the collateral, and the proceeds are distributed proportionally among investors. Since launch there have been no defaults
The platform is operated by CLEARCHAIN CORP, registered in Canada as a Money Services Business (MSB) and subject to mandatory AML/CFT compliance requirements under FINTRAC. Settlements are made in USD. The platform is not a CASP, so DAC8 requirements do not apply
Small and medium-sized businesses in developing regions do not have easy access to bank financing and are willing to pay higher rates than businesses in the EU or US
You can sell your position to another investor through the Secondary Market before the end of the loan term. With Fastlending there is no fixed term: the principal and accrued income can be withdrawn at any time
The minimum investment is 100 USD
Risk of non-payment by the business, risk of changes in the value of the collateral, risk of limited liquidity if there is no buyer on the Secondary Market, and technical risk associated with the smart contract
Investments from 100 to 500 USD are available without KYC. For amounts over 500 USD, full verification is required: an identity document and proof of address