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The 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 With Fastlending there is no fixed term: the principal and accrued income can be withdrawn at any time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