Auto-Invest on 8lends: How Automatic Reinvesting Works
Choose two settings once and top up with USDC — Auto-Invest places your money into open loans and rolls every repayment into the next one.
Auto-Invest is an 8lends tool that keeps your USDC working without manual picking. You choose two settings once — the maximum share per project and where interest goes — and top up your Auto-Invest balance. The platform then places your money into open USDC loans and reinvests repayments automatically, with no platform fee. Auto-Invest requires completed KYC.
Basic parameters
| Parameter | Value |
|---|---|
| Who can use it | Investors with completed KYC |
| Minimum placement | 100 USDC per project |
| Max per project | 10%, 20%, 30%, 50% or 100% of your Auto-Invest (20% by default) |
| How returns are handled | Reinvest All or Interest to Wallet |
| Platform fee | None |
| Gas | Placements and payouts are paid by the platform. For your own actions: covered automatically with the built-in 8lends wallet; with an external wallet — a few cents in ETH on Base |
| Where the funds are kept | Your personal Auto-Invest smart contract on the Base network |
| Withdrawing free funds | At any time, with Withdraw |
| Settings | Fixed at creation, cannot be changed later |
| Number of Auto-Invests | One per account |
How Auto-Invest works
Without Auto-Invest, every repayment lands in your wallet and waits until you choose the next project. With Auto-Invest:
- You create your Auto-Invest and top it up with USDC
- The platform checks every open USDC loan as it appears and places your money into it — never above your Max per project
- Each placement is at least 100 USDC
- When a borrower repays, the principal returns to your Auto-Invest balance and is placed again
- Interest is either reinvested as well (Reinvest All) or sent to your wallet (Interest to Wallet)
You do not approve each investment — placements are made automatically according to your settings. Every placement, repayment and top-up is shown in your Auto-Invest history.
The two settings
Max per project
This is the largest share of your Auto-Invest that one project can take: 10%, 20%, 30%, 50% or 100%. It is calculated from your whole Auto-Invest — the free balance plus the money already in loans. For example, with 2,000 USDC and a 20% limit, one project can take up to 400 USDC.
⚠️ One placement is at least 100 USDC, so with a small amount a single project gets a bigger share than your limit. Your percentage starts to apply from 1,000 USDC at 10%, 500 USDC at 20%, about 334 USDC at 30% and 200 USDC at 50%.
How returns are handled
| Option | Principal | Interest |
|---|---|---|
| Reinvest All | Placed into new loans | Placed into new loans |
| Interest to Wallet | Placed into new loans | Sent to your wallet with each payout |
⚠️ Both settings are fixed once Auto-Invest is created and cannot be changed later. An account can have only one Auto-Invest.
How to start Auto-Invest
- Step 1. Complete KYC through Sumsub, if you have not done so yet
- Step 2. Open Auto-Invest from the Market or My Investments page and press Start Auto-Invest
- Step 3. Enter the amount (at least 100 USDC), then choose How returns are handled and Max per project
- Step 4. Press Confirm & Start: confirm the creation of your Auto-Invest in your wallet, then sign and confirm the deposit
Your Auto-Invest is a personal smart contract on the Base network created for your account. The USDC you deposit stays on it until it is placed into a loan. Gas follows the usual platform rules: with the built-in 8lends wallet it is covered automatically, with an external wallet you pay a few cents in ETH for your own actions (creation, top-ups, withdrawals). Placements and the collection of payouts are sent by the platform.
How projects are chosen
- Only open projects in USDC are considered
- Projects with a Buyback program are included as well
- Open projects are filled in the order they were listed — the oldest first
- The amount for one project is the smallest of three: the room left under your Max per project, the project's remaining pool and your free balance
- If that amount is below 100 USDC, the money waits for the next placement
Auto-Invest has no filters by rate, term or credit rating — it considers every eligible open USDC loan. If you prefer to choose projects yourself, you can keep investing manually alongside Auto-Invest. Auto-Invest does not buy positions on the Secondary Market and does not take part in Easy Start.
When money waits on the balance
| Status | What it means | What you can do |
|---|---|---|
| Collecting for the next placement | The free balance is below 100 USDC | Wait for repayments or top up |
| Waiting for a project | No open project can take a placement right now | Nothing — the money is placed as soon as a project can take it |
| Your per-project limit is reached | Every open project already holds as much of your money as your limit allows | Wait for new projects or top up |
| Paused | You have paused new placements | Press Resume |
| Verification needed | Your KYC is no longer valid | Renew your KYC |
| Placements are on hold | A platform service is temporarily unavailable | Nothing — placements resume on their own |
Free funds wait with no deadline and can be withdrawn at any time.
Pause, withdraw and existing investments
- Pause — stops new placements. Repayments keep arriving to your Auto-Invest
- Resume — placements start again
- Withdraw — returns free (unplaced) USDC to your wallet at any time, with no fee. Money already in loans comes back as borrowers repay
- Add investments — hands your existing positions to Auto-Invest: the invested money is not moved, but future payouts from those projects go to Auto-Invest
- Remove from Auto-Invest — payouts from that project go back to your wallet
There is no "close" button. To stop, pause Auto-Invest, withdraw the free funds and, if needed, remove projects one by one. If you invest manually in a project that is already in your Auto-Invest, payouts on that amount also go to Auto-Invest — the platform asks you to confirm this before you invest.
Bonuses and Auto-Invest
- Proof of Loan was discontinued on 29 October 2026, so auto-invested placements, like manual ones, no longer earn 8LNDS
- Referral program: placements made within 45 days of your registration count towards your inviter's referral bonus, as with manual investments
- First Investment Bonus: if your first investment on 8lends is made through Auto-Invest, it counts towards the $30 bonus under the same terms as a manual investment
Frequently asked questions
Who can use Auto-Invest? Any investor who has completed KYC. Auto-Invest is not available without KYC, including within the $500 no-KYC limit.
What does it cost? Nothing. There is no platform fee for Auto-Invest. Placements and the collection of payouts are sent and paid for by the platform. For your own actions — creating Auto-Invest, top-ups, withdrawals, pausing and resuming, adding or removing projects — gas is covered automatically if you use the built-in 8lends wallet. With an external wallet (for example, MetaMask), you pay the Base network fee for these actions yourself — usually a few cents in ETH, so keep a small amount of ETH on Base.
Can I change my settings later? No. Max per project and How returns are handled are fixed once Auto-Invest is created, and an account can have only one Auto-Invest. Choose the settings carefully before you confirm.
How do I get my money back? Free funds can be withdrawn at any time with Withdraw. Money in projects comes back as borrowers repay. Pausing only stops new placements — it does not return money to your wallet.
What if no project can take my money? The funds wait on the Auto-Invest balance with no deadline. You can withdraw them or top up at any time.
Can I sell auto-invested positions? Yes, like any other position — list it on the Secondary Market as usual. A listed position no longer counts towards the size of your Auto-Invest.
Does Auto-Invest reduce risk? No. Auto-invested positions carry the same credit risk as manual investments: delays, defaults and collateral realization work the same way. Max per project only limits how much of your Auto-Invest goes into one project.
Who controls the money in my Auto-Invest? Only you can withdraw from it, and free funds always go to your wallet. The platform can only place your money into open projects in your name and collect payouts into your Auto-Invest — it cannot withdraw your funds or choose a different amount.
What happens if my wallet is compromised? Placements and top-ups stop, and free funds can be moved only to your recovery address. Contact support.
See also:
Risk disclosure: investments on 8lends involve risk, including the possible loss of the principal amount. Auto-Invest automates placement and reinvestment but does not change the credit risk of borrowers, does not guarantee returns and does not guarantee that every amount will be placed. Past returns do not guarantee future results.