Referral Program on 8lends: Rewards in 8LNDS
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 8LNDS 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. Bonuses are paid in 8LNDS tokens with a 39-week vesting period.
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 8LNDS
- Valid for 45 days from the moment of the invited person's registration
- You receive the USDC bonus immediately after your referral makes an investment
- The $8LNDS bonus is credited after the project pool closes and reaches the Funded status
What Each Party Receives
| Party | What they receive | Source | Term |
|---|---|---|---|
| Inviter | 4% in 8LNDS 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 the platform's fee 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 in 8LNDS |
| Project B | 1,000 USDC | 40 USDC in 8LNDS |
| Project C | 2,000 USDC | 80 USDC in 8LNDS |
| Total | 3,500 USDC | 140 USDC in 8LNDS |
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: bonuses in 8LNDS are platform tokens, their value in USD depends on the market price of 8LNDS and is not guaranteed.
What the Program Does NOT Cover
- Does not work retroactively — if a friend registered without your link, they cannot be linked afterwards
- 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 USDC — only in 8LNDS tokens
- 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 8LNDS. There is no limit 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? No, you cannot link them back retroactively. Your friend must follow exactly your link (or enter your referral code, if such an option exists) during registration. That's why it's important to send the link before your friend registers, not after.
Does the invited person's investment count if they made it before the pool closed? The bonus is credited at the moment the pool closes (Funded stage), when the funds actually go to work for the borrower. If the pool does not close (Not Funded stage) — the bonus is not credited, 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 limit. 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 after the invited person's project pool closes. The claim conditions are the same as for Proof of Loan: vesting of 2.5% immediately + 2.5% each week over 39 weeks (40 unlocks). More about vesting
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 upon the first follow of the referral link.
And if I registered without a link, can I be linked to a referrer retroactively? The current version of the platform does not support retroactive linking. This is a technical limitation for the transparency of the system.
Can I use referral bonuses for the next investment? Bonuses are credited in 8LNDS, not in USDC. To invest further — 8LNDS needs to be exchanged for USDC via Uniswap on Base. An alternative path is to hold 8LNDS as a standalone position in your portfolio.
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:
- How to Start Investing on 8lends: Video Overview
- Registration and Connecting a Wallet on 8lends
- How to Set Up a Crypto Wallet for 8lends
- Proof of Loan: How the 8LNDS Bonus Works on 8lends
- First Investment Bonus: $30 for Your First 100 USDC on 8lends
- What Affects Portfolio Returns on 8lends
Risk disclosure: referral bonuses are paid in 8LNDS tokens. The value of 8LNDS 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.