When and How You Receive Your Returns on 8lends

Interest lands every month, but your principal waits for the finale — and a permissionless claim, not the platform, controls when USDC hits your wallet.

The investor receives returns in two streams: interest — monthly or weekly, starting one month or one week after the pool closes, and the loan principal — in a single payment at the end of the term (bullet payment model). Funds accrue to the smart contract and are withdrawn to the wallet via claim — a permissionless action that does not require platform approval. Withdrawal is available at any time after accrual. All settlements are in USDC on the Base blockchain.

Two streams of fund returns

Stream	When	What arrives
Monthly/weekly interest	Every month or week, starting one month or one week after the pool closes	A share of interest proportional to the investment
Principal return	Once, at the end of the loan term	Full principal amount + final interest payment

This is the bullet payment model: throughout the term the investor receives interest, and the principal is returned in full at the finale. More details

How to withdraw funds — claim

Accrued funds (interest or principal) remain on the smart contract, assigned to the investor's address. To transfer them to your wallet, you need to make a claim:

Log in to the 8lends dashboard
Open the project or the section with funds available for withdrawal
Click Claim and confirm the transaction in your wallet
Funds arrive in your wallet (a gas fee in ETH is required)

Claim is permissionless: the investor initiates it themselves. The platform cannot delay or block the withdrawal.

When exactly the money arrives

Event	Timing
First interest payment	One month after the pool closes (Funded status)
Subsequent interest	Monthly until the end of the term
Principal return	At the end of the loan term (4–16 months from start)
Availability for withdrawal	Immediately after accrual on the contract

Important: the countdown runs from the pool's closing, not from the moment of your investment. If you invested at the start of the fundraising and the pool closed 2 weeks later — the countdown of the first month begins at the closing.

Can you withdraw money before the term ends

The loan principal is returned only at the end of the term — the borrower does not repay it early. But the investor can exit their position earlier in two ways:

Withdraw accumulated interest at any time via claim — it is available immediately after accrual
Sell the entire position on the Secondary Market — a 10% fee charged to the seller. The buyer acquires the right to future payments and the principal return. More details

What you receive upon successful completion

Example for an investment of 1,000 USDC at 22% over 12 months:

USDC return (core yield):

Months 1–11: ≈18.3 USDC of interest monthly
Month 12: ≈18.3 USDC of interest + 1,000 USDC of principal
Total in USDC: 220 USDC of interest + 1,000 USDC of principal = 1,220 USDC

Bonuses in 8LNDS (Proof of Loan):

+4% of the investment in 8LNDS tokens = equivalent to 40 USDC at the moment the pool closes
Calculation: 1,000 USDC × 4% ÷ price of 8LNDS at the moment the pool closes
Distribution: 2.5% immediately + 2.5% each week over 39 weeks (40 unlocks)
After claim, the tokens can be held, sold via Swap to USDC, or used in the Reward System

Additionally, on your first investment (if applicable):

First Investment Bonus: $30 USDC bonus to your balance (automatically)

After the full return of USDC, the project moves to Repaid status.

What happens to returns in a default

If the borrower goes into default (60 days overdue):

Project with Buyback — a third party buys out the position and returns the principal in full under the terms of the program. More details
Standard RWA project — Maclear AG liquidates the collateral (1–12 months), and the proceeds are distributed proportionally. Interest accumulated before the default remains with the investor. Interest accumulated before the default remains with the investor.

Frequently asked questions

How long until I receive my first payment? One month after the pool closes — that is, after the project has reached its target amount and moved to Funded status. If you invested but the pool is still raising funds, the countdown will start only after it closes.

Does the money arrive in my wallet by itself? Interest and principal are automatically accrued to the smart contract on schedule. But transferring them to your wallet requires an action — claim. It is a one-off transaction that you initiate yourself. You can collect interest monthly or accumulate it and withdraw it all at once.

There was a question about an inactive Withdraw button — has it been resolved? Yes, this technical issue has been fixed on the platform side. Fund withdrawal via claim works as intended. If you run into difficulties — write to [email protected].

Can I withdraw my entire investment early? The borrower returns the loan principal only at the end of the term. To exit earlier, sell your position on the Secondary Market — another investor will buy it out, and you receive the funds immediately (minus the 10% seller fee). Accumulated interest can be withdrawn at any time.

Where do the funds arrive — to the same wallet I invested from? Yes, by default claim transfers the funds to the wallet linked to your position. On 8lends you can also change or add a wallet to your account

What if I missed withdrawing interest for several months? Nothing is lost. Accrued interest accumulates on the smart contract under your address. You can withdraw it all in a single transaction at any time — this even saves on gas fees compared with monthly claims.

Is the payment confirmed on-chain? Yes. Every payment and every claim is a transaction on the Base blockchain that can be verified on basescan.org by your wallet or contract address. This is a public confirmation independent of the platform interface.