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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How is 8lends connected to Maclear?

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.

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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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Do projects go through risk scoring?

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.

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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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How does 8lends work?

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.

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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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How does 8lends select companies for fundraising?

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.

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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.

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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 smart contracts, audits, and currencies work?

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.

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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 8lends make money?

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.

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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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What happens if a default occurs?

If a borrower delays a payment for 90+ 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 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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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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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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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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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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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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