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    • What Is 8lends?
    • Who Is Behind 8lends?
    • How the Platform Works
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    • Smart Contracts on 8lends
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FAQGlossaryAML Wallet Check

AML Wallet Check

An AML wallet check is an automatic verification of your crypto wallet performed through Sumsub KYT for every investment.

It checks your wallet address against risk databases covering sanctions (OFAC, UN, EU, HM Treasury), mixers, darknet marketplaces, ransomware, hacks, scams, and high-risk jurisdictions. In the no-KYC flow, your USDC first goes to a personal AML escrow. If the check passes, it is invested; if your wallet is flagged, the investment is rejected and the funds are returned. In rare cases, funds can stay in the escrow longer — after 30 days, you can cancel the request yourself.

Updated: October 2026

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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: CLEARCHAIN CORP operates the platform and is registered as a Money Services Business with FINTRAC (Canada), and Maclear AG conducts due diligence and monitors collateral. 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 With Fastlending there is no fixed term: the principal and accrued income can be withdrawn at any time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

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