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

General

10 articles

Referral program

Invite a friend and you both earn 6% of their deposit as a bonus. The reward is valid for 90 days after your friend completes KYC. For example, if they invest $3,000, you both get $180.

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Investment Bonus (Proof of Loan)

Long-term investors earn extra annual rewards on top of base interest. Bonuses range from 3% for investments over 5,000 USDC up to 6% for investments over 75,000 USDC, depending on your total investment.

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Retrodrop

Join campaigns on Zealy & Galxe, complete tasks, and earn rewards. During the retrodrop, every investment gets a 100% bonus, later converted into $8LENDS tokens you can sell or reinvest.

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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 and 0 defaults, while 8lends takes the model global with Web3 infrastructure.

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Privacy and Cookies Policy

8lends follows Swiss DPA and EU GDPR. We collect only necessary data, store it securely in Switzerland, and may share it with partners under strict rules. You can access, correct, or delete your data anytime.

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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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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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Video overview of the platform

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

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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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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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Video overview of your personal account

Learn the main features of your personal account in this short video. Click to watch.

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Default

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. To date, Maclear and 8lends have had 0 defaults in 5+ years.

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What’s 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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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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How do smart contracts, audits, and currency 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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What’s the minimum investment and average return?

The minimum investment is $100. 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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How to 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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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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What’s a stage and how does it work?

A stage is a smaller part of a larger loan. Each stage is funded and repaid separately, so investors get returns step by step while companies access funds sooner without waiting for the entire loan to be raised.

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How to 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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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 to 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 do I buy or swap cryptocurrency?

We’ve prepared tutorials guide you step by step. Click to watch.

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Taxes

Tax rules depend on your country. P2P income may be taxed as interest, investment income, or capital gains. You’re responsible for declaring and paying taxes in your jurisdiction. Make sure to check with a tax advisor for compliance.

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