Proof of Loan: How the 8LNDS Bonus Works on 8lends
Every investment mints 8LNDS as your Proof of Loan. Here is how the second yield layer unlocks to your wallet.
Proof of Loan (PoL) is the core bonus mechanism of 8lends. For every investment in a project, an investor receives +4% of its amount in 8LNDS tokens. This works for all investors and has no expiration — each time you invest, +4% is credited. Bonuses are paid out after the project pool closes and vest over 40 unlocks: 2.5% immediately, followed by 2.5% weekly for 39 weeks. This is the basic mechanic linking investing in RWA projects with the 8LNDS tokenomics.
Video Instruction
The Proof of Loan mechanic is shown in the general 8lends video guide:https://youtu.be/wABYaut7zVc.
What Proof of Loan Is in Simple Terms
Proof of Loan = "proof of loan" — the 8LNDS tokens you receive in confirmation that you provided funds to a real business through 8lends.
The logic is simple:
- You invest 1,000 USDC in a project
- The platform issues 8LNDS equivalent to 40 USDC (4% of 1,000)
- These tokens are gradually unlocked to your wallet according to the vesting schedule
This is a second layer of yield on top of the interest from the borrower. The 19–25% APR is a fixed USDC yield. PoL is a variable yield in 8LNDS, depending on the market price of the token.
Proof of Loan Parameters
| Parameter | Value |
|---|---|
| Bonus size | 4% of the investment amount |
| Bonus currency | 8LNDS tokens |
| When credited | After the project pool closes (Funded stage) |
| Who it is credited to | All investors, without exception |
| Validity period | Indefinite, for every investment |
| Minimum investment | 100 USDC (platform minimum) |
| Cap on total bonus amount | Not set |
| Vesting schedule | 2.5% immediately + 2.5% × 39 weeks (40 unlocks over 39 weeks) |
How Vesting Works
8LNDS bonuses do not arrive immediately as a single sum — this is done for the sustainability of the tokenomics and to prevent sharp dumps onto the market.
Unlock Schedule
- At pool closing: 2.5% of the total bonus is unlocked
- Each week for 39 weeks: another 2.5% is unlocked
- A total of 40 unlocks over 39 weeks (about 9 months)
Vesting Example: 40,000 8LNDS from a 1,000 USDC Investment
| Period | % unlocked | 8LNDS amount | Cumulative total |
|---|---|---|---|
| Day 0 (pool closing) | 2.5% | 1,000 | 1,000 |
| Week 1 | 2.5% | 1,000 | 2,000 |
| Week 2 | 2.5% | 1,000 | 3,000 |
| ... | ... | ... | ... |
| Week 39 (final) | 2.5% | 1,000 | 40,000 |
After 39 weeks, the entire bonus is available.
How to Claim Bonuses
- Log in to app.8lends.io with a connected wallet
- Open the Token 8lends section
- See the list of unlocked 8LNDS portions
- Click Claim to transfer the tokens to your wallet
- Confirm the transaction in your wallet (gas — a few cents)
You can claim at any time after unlocking — the tokens do not "burn" if you leave them in the system. Many investors accumulate and withdraw in a single transaction to save on gas.
Why the Platform Needs This
PoL is a mechanism for distributing 8LNDS among real users, rather than crypto speculators:
- Only those who invest in real projects receive tokens
- The more you invest, the more tokens you receive
- This creates a community of holders who understand and use the platform
- Vesting prevents quick dumps onto the market — it stabilizes the tokenomics
This is part of 8lends' long-term tokenomics. More on the role of 8LNDS in the ecosystem
How PoL Affects Effective Yield
The base rate on a project is 19–25% APR in USDC. PoL adds +4% in 8LNDS on top, but with two important caveats:
The USD value of 8LNDS is not fixed
Unlike USDC, which is pegged 1:1 to the dollar, 8LNDS has a market price that fluctuates. If you invested 1,000 USDC and received the equivalent of 40 USDC in 8LNDS at the current price — a year later those 8LNDS may be worth more or less.
The effective yield depends on the token price
Scenarios for an investment of 1,000 USDC at 22% APR for a year + 40 USDC in 8LNDS:
| 8LNDS scenario | 8LNDS value at the moment of claim | USD equivalent | Total yield |
|---|---|---|---|
| Price doubled x2 | $0.002 (from $0.001) | $80 | 22% USDC + 8% from PoL = ~30% |
| Price unchanged | $0.001 | $40 | 22% USDC + 4% from PoL = ~26% |
| Price fell x2 | $0.0005 | $20 | 22% USDC + 2% from PoL = ~24% |
| Price fell x10 | $0.0001 | $4 | 22% USDC + 0.4% from PoL = ~22.4% |
⚠️ 8LNDS is an investment with its own risk, not a guaranteed yield. It is recommended to account for it separately from the USDC yield in your portfolio.
How It Combines with Other Bonuses
| Bonus | For what | Size | Term |
|---|---|---|---|
| Proof of Loan (this article) | Every investment | +4% in 8LNDS | Indefinite |
| Referral bonus | Investments by invitees | +4% in 8LNDS | 45 days from the referral's registration |
| First Investment Bonus | First investment of at least 100 USDC | $30 USDC | One-time |
All three bonuses work in parallel and do not replace one another. Proof of Loan and the referral bonus now carry the same rate — 4% — but they remain two separate programs: Proof of Loan is credited to you for your own investment, while the referral bonus is credited to the inviter for the investments of the person they invited. For example, for a first investment of 1,000 USDC via a referral link:
- Base interest on the project (19–25% APR in USDC)
- First Investment Bonus = $30 USDC (one-time)
- PoL = 40 USDC in 8LNDS (your own)
- The inviter additionally receives 40 USDC worth of 8LNDS as a referral bonus
Frequently Asked Questions
Will I definitely receive 4% in 8LNDS on every investment? Yes, this is the basic mechanic for all investors. The bonus is credited automatically after the project pool closes (Funded stage). If the pool does not close (Not Funded) — the investment is returned, and the bonus is not credited, because no actual investment took place.
When can I first claim 8LNDS after an investment? Right after the pool closes — 2.5% of the total bonus becomes available. Then another 2.5% is unlocked each week for 39 weeks.
What if I don't claim — will the tokens burn? No, the unlocked tokens wait for you in the system. You can collect everything in a single transaction after 39 weeks to save on gas fees for multiple claims.
Can I sell 8LNDS right after claiming? Yes. After claiming, the tokens go to your wallet, and you can freely dispose of them: sell on Uniswap (Base) → USDC, transfer, hold. There are no restrictions on use.
Why is vesting needed — can't everything be unlocked at once? Vesting protects the tokenomics from sharp dumps. If 100% went onto the market at once, the price of 8LNDS would constantly fall from the volume of sales. Gradual unlocking stabilizes supply and gives investors a choice: sell in parts or wait for growth.
What determines the price of 8LNDS? Market supply and demand in the pool on Uniswap (Base). The price is not controlled by 8lends — it is determined by trading activity. The platform influences the price indirectly through buy→burn→mint: part of the revenue goes to buying back 8LNDS from the market and burning it, which compensates for the issuance of new tokens. More
Do 8LNDS holders receive any other benefits besides PoL? This is part of a broader tokenomics described in 8LNDS Tokenomics: 100M Hard Cap, Buy, Burn, Mint. Current and planned mechanics include locking rewards and integration with the 8lends ecosystem.
Can 8LNDS be used for subsequent investments? 8lends accepts only USDC. To invest 8LNDS, they must first be exchanged for USDC via Uniswap on Base. An alternative is to hold them as a standalone position.
What if I invested but then sold the position on the Secondary Market — does PoL remain? Yes. PoL is credited at the moment the pool closes, and vesting starts from that point. If you later sold the position on the Secondary Market, the already unlocked 8LNDS remain yours; future unlocks continue on schedule.
Is receiving 8LNDS subject to tax? In most jurisdictions — yes, as income at the moment of receipt at market value. The exact rate and accounting procedure depend on the country of residence. More and the localized articles (44–47).
The 8LNDS contract on Base — what is the address? 0x55f9c8992fc4abce5aca585bf8f18284a2379d4c — the official token address on the Base blockchain. It can be imported into a wallet to display the balance. All transactions are transparent on basescan.org.
See also:
- How to Start Investing on 8lends: Video Overview
- Referral Program on 8lends: Rewards in 8LNDS
- First Investment Bonus: $30 for Your First 100 USDC on 8lends
- What Is the 8LNDS Token
- What Affects the 8LNDS Price?
- What Affects Portfolio Returns on 8lends
- Glossary: Key 8lends Terms
Risk disclosure: Proof of Loan bonuses are paid in 8LNDS tokens. The USD value of 8LNDS depends on the market price and is not guaranteed. The vesting schedule and program terms may change. 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.