How the 8LNDS Reward System Works
Every 8lends investment pays back in 8LNDS — no conditions, no cap, forever. Here is how three reward mechanics stack on a single deal.
The 8lends Reward System is a set of mechanics through which 8LNDS tokens are distributed among active platform participants. It consists of three live elements: Proof of Loan (+4% on every investment), a referral program for invited users, and a 30 USDC Welcome Bonus voucher for newcomers. A locking mechanism for 8LNDS holders is planned but not available yet. All distributions come from a pre-reserved portion of the 100M hard cap supply. Rewards are tied to real activity on the platform rather than to airdrop giveaways.
The three live Reward System mechanics
| Mechanic | For what | What you get | When |
|---|---|---|---|
| Proof of Loan | Every investment | +4% in 8LNDS of the amount | After the pool closes, vesting over 39 weeks |
| Referral program | Invited friends | +4% in USDC of their investments | 45 days from the referral's registration; claimable in full once the project is Funded |
| Welcome Bonus (voucher) | KYC + first investment of 100 USDC or more | 30 USDC, one-time | With the principal of your next investment of 100 USDC or more |
All three mechanics are bonuses for activity on the investment side of the platform. A fourth — locking for 8LNDS holders — is planned but not live yet.
Proof of Loan — the foundation of the Reward System
The most widespread source of 8LNDS distribution is Proof of Loan. Every investor receives 4% of the investment amount in 8LNDS — this works for everyone, with no conditions, on every investment, indefinitely.
Key parameters:
- Size: 4% of the investment in 8LNDS
- When: after the pool closes (Funded stage)
- Vesting: 2.5% immediately + 2.5% each week × 39 weeks
- Limit: none
Full breakdown
Referral program — for bringing in users
The inviting investor receives 4% in USDC of the invited friend's investments. The program is valid for 45 days from the referral's registration. This is a program separate from Proof of Loan: the two now carry the same rate, but Proof of Loan is credited to the investor for their own investment, while the referral bonus goes to the inviter for the investments of the person they invited — and both are paid in parallel.
Key parameters:
- Size: 4% of the referral's investments in USDC
- Term: 45 days from the invited user's registration
- Limit on the number of invitees: none
- Level: one (no multi-level structure)
Full breakdown
Welcome Bonus — for onboarding
A one-time 30 USDC voucher for completing KYC and making a first investment of 100 USDC or more. Together with the referral bonus, it is paid in USDC — Proof of Loan rewards are paid in 8LNDS tokens.
Key parameters:
- Size: 30 USDC (voucher)
- Condition: KYC and a first investment of 100 USDC or more, in any order, within 30 days of registration
- Type: one-time, one per account
- When: paid out together with the principal of your next investment of 100 USDC or more
Full breakdown — How Do Bonus Vouchers Work on 8lends?
Locking mechanism — planned, not live yet
Locking is a planned mechanic for 8LNDS holders — it is not live yet. There is currently no lock or staking contract on 8lends, so you cannot send 8LNDS anywhere to earn additional rewards. The "Locked" amount in your account shows rewards not yet unlocked under vesting.
Comparison of locking with other DeFi protocols
| Protocol | Type of locking | APR | Guarantees |
|---|---|---|---|
| veCRV (Curve) | Locking for 1-4 years to boost rewards | Variable | Depends on the pool and trading |
| stETH (Lido) | Liquid staking ETH | ~3-5% (ETH staking yield) | Depends on Ethereum |
| stkAAVE (Aave) | Safety Module staking | Variable | For slashing risk |
| 8LNDS locking | Planned — not live yet | — | — |
Each protocol has its own characteristics — in none of them does locking equal a banking deposit.
Where the tokens for the Reward System come from
All rewards are distributed from a pre-reserved portion of the 100M hard cap:
- Part of the 100M is reserved in the resources pool at token launch
- The Reward System distributes from this pool as activity occurs
- When the pool is exhausted, rewards can be funded from buyback tokens or the platform will revise the model
- No new tokens beyond 100M can be created — this is enshrined in the smart contract
The link between the Reward System and buy → burn → mint
| Cycle step | Connection to the Reward System |
|---|---|
| Buy | The reward contract buys back on Uniswap the same amount of 8LNDS as it mints as rewards, using USDC held on the contract |
| Burn | The bought-back tokens are burned — the burned amount equals the minted rewards, so the total supply does not change |
| Mint (in the technical sense) | Distribution from the reserved pool through the Reward System |
The logic is tied to activity: the more investments → the more Proof of Loan rewards are minted → the more 8LNDS the reward contract buys back on Uniswap and burns. The burned amount equals the minted rewards, so the total supply does not change.
What the Reward System does NOT do
- Does not guarantee returns — the market price of 8LNDS is not fixed
- Does not create inflation beyond 100M — this is technically impossible
- Is not paid in USDC (except the Welcome Bonus voucher and the referral bonus) — the main rewards are in 8LNDS
- Does not insure investments — credit risk on projects remains
- Does not depend on the investment size disproportionately — 4% is applied equally to any amount
How all the mechanics combine on a single investment
For a first investment of 1,000 USDC via a referral link:
| What the investor receives | Amount | Currency |
|---|---|---|
| Base interest on the project (22% APR for the year) | 220 USDC | USDC |
| Welcome Bonus voucher (one-time) | 30 USDC | USDC |
| Proof of Loan (vesting over 39 weeks) | 40 USDC equiv. | 8LNDS |
| Total for the investor | 250 USDC + 40 USDC in 8LNDS | mixed |
| Referral bonus for the inviter | 40 USDC | USDC |
| Total movement in the system | 330 USDC equiv. | for this 1 investment |
All three live mechanics work in parallel, without replacing one another. This makes the Reward System a substantial part of the platform's value proposition.
Frequently asked questions
Do all investors receive all three types of rewards? No. Everyone receives Proof of Loan — for every investment. The Welcome Bonus — only new investors, once per account. The referral bonus — only inviters. There are no locking rewards yet — locking is planned but not live.
Where can I see my allocations and vesting? In the 8lends personal account — the Bonuses or Rewards section. More details
When will I be able to claim my 8LNDS? It depends on the mechanic: PoL — vesting over 39 weeks (2.5% immediately + 2.5% each week). Referral bonus — in full in USDC once the project is Funded, without vesting. Welcome Bonus — paid in USDC together with the principal of your next investment of 100 USDC or more. Locking is planned but not live yet — there are no locking rewards to claim.
Can I participate in several mechanics at once? Yes, and it's recommended. For example: you invest as a referral → you receive PoL + the Welcome Bonus voucher + the inviter bonus goes to the inviter. This is the full cycle of using the platform today — locking the 8LNDS you received is planned but not available yet.
Which is more advantageous — selling 8LNDS right away or holding it? It depends on your thesis about the platform's future. Selling right away = a fixed USDC return. Holding = a bet on 8LNDS price growth, but with the risk of a decline. Locking for additional rewards is planned but not live yet. This is an investment decision that must be made based on your own analysis.
Will the Reward System change in the future? Program terms may be changed by 8lends. This is normal practice for all crypto projects with evolving tokenomics. The team notifies the community of significant changes. For up-to-date terms — the personal account and the team's official channels.
What if the reserved pool for PoL is exhausted? The platform will be able to fund rewards from buyback tokens (bought back from the market) or revise the model. This is a long-term question that will be resolved transparently for the community.
Can I transfer earned rewards to another person? After claiming — yes, 8LNDS become ordinary tokens in your wallet, and you can transfer them. Before claiming — no, rewards are tied to your address. The Welcome Bonus, once paid out in USDC, can also be used freely.
Do taxes affect the Reward System? Yes. In most jurisdictions, receiving 8LNDS is taxed at the moment of receipt at market value, and a sale — as capital gain. The Welcome Bonus in USDC — usually other income. More details and localized articles.
How does the 8lends Reward System differ from the reward systems of DeFi protocols like Compound or Aave? Compound/Aave — rewards for liquidity provision and lending operations, with variable APRs and no strict vesting conditions. 8lends — rewards for investing in real businesses through RWA loans, with vesting and a link to the platform's actual revenue. Locking 8LNDS is planned but not live yet.
Can the 8lends team change the PoL or referral bonus rates? Yes, technically — the team controls the program terms. Any significant changes are usually announced in advance and applied to new investments, not to already accrued ones.
See also:
Risk disclosure: Reward System rewards are paid predominantly in 8LNDS tokens. The USD value of 8LNDS depends on the market price and is not guaranteed. A locking mechanism for 8LNDS is planned but not live yet. Program terms may be changed by 8lends. 8lends is a platform operated by CLEARCHAIN CORP, registered with FINTRAC (Canada) as a Money Services Business. Maclear AG (Switzerland), a member of PolyReg SRO under the supervision of FINMA, acts as Collateral Agent. Regulatory framework as of September 2026.