8lends
ProjectsBonuses
Blog Blockchain CourseAmbassadors
AboutFAQContact
Log InSign Up
    • What Is 8lends?
    • Who Is Behind 8lends?
    • How the Platform Works
    • Who Can Invest?
    • Smart Contracts on 8lends
    • Is 8lends Regulated?
    • Investor Protection
    • Buyback Protection
    • Collateral
    • If a Borrower Defaults
    • How Companies Are Selected
    • How 8lends Makes Money
    • Why USDC?
    • RWA Lending
    • P2B Lending
    • 8lends vs Other Platforms
    • Minimum Investment
    • Project Stages
    • Monthly Interest Payouts
    • Receiving Your Returns
    • Credit Rating and Risk Scoring
    • Investor Fees
    • What Affects Your Returns
    • Diversification
    • Secondary Market
    • Up to $500 Without KYC
    • Corporate Investing
    • Paying Taxes on Income
    • Registration and Wallet
    • Setting Up a Crypto Wallet
    • Completing KYC via Sumsub
    • Data Security and KYC
    • Buying USDC and ETH on Base
    • Your First Investment
    • Video Overview
    • No Confirmation Code?
    • Bonus Vouchers
    • Proof of Loan Bonus
    • Referral Program
    • What Is the 8LNDS Token
    • Tokenomics
    • Reward System
    • Vesting Model
    • Token Allocation at Launch
    • Tracking Your Allocations
    • Buy, Sell, Provide Liquidity
    • What Affects the Price
    • Common Issues and Fixes
    • Tax Guide via Blockpit
    • Spain
    • Germany
    • Portugal
    • France
    • Contacting Support
    • Official Team vs Scammers
    • Changing or Adding a Wallet
    • Alpha Systems LLC
    • AML Wallet Check
    • APR
    • Article 61 MiCA
    • Base
    • Buy → Burn → Mint
    • Buyback
    • CASP
    • Claim
    • CLEARCHAIN CORP
    • Collateral
    • Collateral Agent
    • Collateral Realization
    • Credit Rating
    • Default
    • Default Trigger
    • EFTR
    • Enforcement
    • ESMA
    • FATF Travel Rule
    • FINMA
    • FINTRAC
    • FSA
    • Gas Fee
    • Impermanent Loss
    • Jurisdictional Assessment
    • KYB
    • KYC
    • Custom Pool
    • LCTR
    • LP
    • LTV
    • Maclear AG
    • MiCA
    • MSB
    • Multisig
    • Non-custodial Wallet
    • PCMLTFA
    • PEP
    • POA
    • PolyReg SRO
    • Price Impact
    • Primary Market
    • Project Statuses
    • Proof of Loan
    • Recovery Rate
    • Reverse Solicitation
    • Reward System
    • Risk Scoring
    • RWA
    • Secondary Market
    • Simplified Due Diligence
    • Slippage
    • Smart Contract
    • SRO
    • STR
    • Stablecoin
    • Sumsub
    • Sumsub KYT
    • Swap to USDC
    • Tier-1 Listing
    • UBO
    • USDC
    • VASP
    • Vesting
    • Distribution Waterfall
    • 8LNDS Token
Back
FAQGlossaryRecovery Rate

Recovery Rate

Recovery Rate is the percentage of funds recovered from the sale of collateral after a borrower defaults. It depends on the type of collateral and the jurisdiction. Typical recovery ranges are 60–90% for real estate, 40–70% for equipment, 50–80% for accounts receivable, 30–60% for inventory, and 20–80% for company shares. Recovery rates are not guaranteed and depend on market conditions, the speed of the recovery process, and legal complexity.

Recovery Rate is the percentage of funds recovered from the sale of collateral after a borrower defaults. It depends on the type of collateral and the jurisdiction. Typical recovery ranges are 60–90% for real estate, 40–70% for equipment, 50–80% for accounts receivable, 30–60% for inventory, and 20–80% for company shares. Recovery rates are not guaranteed and depend on market conditions, the speed of the recovery process, and legal complexity.

Updated: September 2026

Do You Have Any Questions?

All questions

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

Platform

ProjectsBonusesFastlending

Resources

BlogBlockchain CourseFAQ

Company

About UsAmbassadors

Contact

Contact Us[email protected]X / TwitterTelegramMediumLinkedIn

© Copyright 2026. Teichgässlein 9, 4058 Basel, Switzerland

Privacy PolicyTerms of UseTrustpilot · Excellent · 4.7 out of 5