Referral Program on 8lends: Rewards in USDC
Invite one friend and each of their investments can keep rewarding you for 45 days. Here is exactly where to find your personal link and when the bonus lands.
The 8lends referral program gives the inviter a 4% bonus in USDC on each investment made by an invited friend within 45 days of their registration. Quite separately from that, the invited person themselves receives the standard Proof of Loan +4% on their own investments. These are two different bonuses that happen to carry the same rate: the first one is paid under the referral program to the person who invited, the second is the base bonus every investor on 8lends receives. The referral link is available in your personal account after connecting a wallet. Referral bonuses are paid in USDC, credited per project and can be claimed in full, without vesting, once the project is Funded.
Video Guide
The referral program is shown in the general 8lends video guide:https://youtu.be/wABYaut7zVc.
How the Program Works — Three Steps
Step 1. Get Your Referral Link
- Connect a wallet on app.8lends.io
- Go to the Profile or Referral section
- Copy your personal referral link
Step 2. Share with Friends
- Send the link to friends via messenger, email, social media
- Everyone who follows the link and registers is linked to your account
- Connecting a wallet counts as registration
Step 3. Earn Referral Bonuses for 45 Days
- When an invited person makes an investment, you receive 4% of the amount of their investment in USDC
- Valid for 45 days from the moment of the invited person's registration
- The USDC bonus is recorded as soon as your referral makes an investment and can be claimed once the project is Funded
- The bonus can be claimed in full, without vesting, once the project pool closes and reaches the Funded status
What Each Party Receives
| Party | What they receive | Source | Term |
|---|---|---|---|
| Inviter | 4% in USDC of the invited person's investments | Referral program | 45 days from the invited person's registration |
| Invited person | 4% in 8LNDS of their own investments | Proof of Loan (standard for everyone) | Indefinitely, on each investment |
Important: the invited person's 4% does not come from the referral program — this cashback is available to any investor on 8lends, regardless of whether they came via a referral link or not. This is the base Proof of Loan mechanic. The inviter's referral bonus is also 4%, but it is a separate payout under a separate program, made to a different person.
The referral program adds only the bonus for the inviter — this is a reward paid by the platform for attracting new investors.
Calculation Example
Scenario: you invited Alexey, he registered and, within 45 days, made three investments:
| Alexey's investment | Amount | Your referral bonus (4%) |
|---|---|---|
| Project A | 500 USDC | 20 USDC |
| Project B | 1,000 USDC | 40 USDC |
| Project C | 2,000 USDC | 80 USDC |
| Total | 3,500 USDC | 140 USDC |
On top of that, and entirely independently of you, Alexey receives his own Proof of Loan +4% on the same 3,500 USDC — also 140 USDC in 8LNDS, but as the standard investor bonus credited to him, not to you. The two amounts are equal only because both programs now use the same rate; his would be credited even without your referral link.
⚠️ Important: Alexey's Proof of Loan bonus is paid in 8LNDS platform tokens, its value in USD depends on the market price of 8LNDS and is not guaranteed.
What the Program Does NOT Cover
- Limited retroactive linking — if a friend registered without your link, they can still enter your referral code after signup, but only if they have no inviter yet and are within the referral window (45 days by default)
- Does not apply after 45 days — the invited person's investments after this period do not generate a referral bonus (but the Proof of Loan for the invited person themselves continues to apply)
- Not paid in 8LNDS — the referral bonus is paid only in USDC
- Not transferable — the link between the referral and the inviter is fixed
How to Share Your Link Effectively
- Explain the value in person — what 8lends is, what the returns are, what the risks are
- Show your portfolio — personal experience is more convincing than advertising
- Suggest starting with a small amount — our minimum is 100 USDC, you can invest without KYC up to $500
- Be honest about risks — don't promise guaranteed returns, this is not an insurance product
Frequently Asked Questions
How much will I get for referring a friend? 4% of each of their investments within 45 days from the moment of registration. The bonus is credited in USDC. There is no fixed cap on the bonus amount — the more your friend invests, the more you receive.
Does the invited person receive anything extra for coming via my link? There are no additional bonuses beyond the standard ones. Any investor on 8lends receives Proof of Loan +4% for their investments — this does not depend on whether they came via a referral link or on their own. The referral program gives a bonus only to the inviter.
Can someone intercept my referral if they register without the link? If your friend registered without the link, they can still enter your referral code after signup — as long as they have no inviter yet and are within the referral window (45 days by default). After that, the link cannot be added. That's why it's best to send the link before your friend registers.
Does the invited person's investment count if they made it before the pool closed? Yes. The bonus is recorded at the moment of the investment and can be claimed once the pool closes (Funded stage), when the funds actually go to work for the borrower. If the pool does not close (Cancelled stage) — the bonus cannot be claimed, because no actual investment took place.
What if the invited person makes an investment after 46 days? The referral bonus is valid for 45 days from the moment of the invited person's registration. After this, the invited person's investments do not generate a referral bonus for the inviter.
What is the maximum amount of referral bonuses? There is no fixed cap. 8lends may adjust unclaimed referral bonuses, for example in case of abuse of the program. The more friends you invite and the more they invest — the more bonuses you receive. These are percentages of real investments, not a fixed amount for registration, so the system is self-balancing: there is a bonus only when there is real activity.
When can I claim my referral bonuses? Bonuses appear in your personal account in the Bonuses or Rewards section as soon as the invited person invests, credited separately for each project. Once that project's pool closes (Funded stage), the full bonus can be claimed in USDC — there is no vesting, unlike Proof of Loan.
What if my friend gets a KYC rejection — will I be credited a bonus? No. The bonus is credited only for an actual investment. If the invited person registered but did not pass KYC and did not invest — there is no bonus. If they made an investment of up to $500 (without KYC) — the bonus is credited as usual.
Can I be the referral of several people? No, each investor can have only one inviter. The link is established when the person registers via your referral link or enters your referral code.
And if I registered without a link, can I be linked to a referrer retroactively? Yes, within limits. If you have no inviter yet and are still within the referral window (45 days by default), you can enter a referral code after signup. After that, a referrer can no longer be added.
Can I use referral bonuses for the next investment? Yes. Referral bonuses are credited in USDC, so after claiming you can use them for your next investment directly, without any exchange.
Is there a referral bonus for the referrals of my referral (a multi-level system)? No. The program is single-level — only direct referrals. This is a deliberate decision: a single-level structure is more transparent, without the risk of MLM-like schemes.
See also:
Risk disclosure: referral bonuses are paid in USDC; the Proof of Loan bonus of the invited person is paid in 8LNDS tokens, whose value in USD depends on the market price and is not guaranteed. The terms of the referral program 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.