When Interest Actually Lands: the Payment Schedule Explained

The interest payment schedule provides for monthly interest payments or weekly payouts, depending on the particular loan stage’s settings. Principal is due separately, in one payment at the end of the 4–16-month term. This is the bullet repayment model.

Regular interest payments represent income from the loan; they do not gradually repay the original investment. The principal remains exposed to the borrower throughout the term and is due back at maturity, alongside the final interest payment.

Collecting available funds requires a separate action by the investor: a claim. Once a payment has been allocated to the investor on the smart contract, it can be claimed. The claim collects funds already available; it does not determine when the borrower’s payment is due.

The schedule sets out the borrower’s obligations, but actual payment depends on the borrower meeting them. A smart contract administers the loan mechanics without removing repayment risk.

For a monthly cycle, 8lends describes the first interest payout as arriving one month after the project pool closes. The reference point is pool closure and the start of the funded loan. The investor's earlier investment date does not start a separate payout clock.

There is one qualification. Some 8lends explanations state “one month” generally, while its more detailed payout guidance also describes a first payment one week after closure for weekly stages. Confirm with 8lends support which first-payment interval applies to the specific loan.

Does the first interest payment count from my investment date or from the pool's closing date?

It counts from the pool's closing date. Investors who joined the same pool on different days share that stage's payment schedule; an earlier investment does not create an earlier individual payout date.

The date an investor collects the allocated funds can still differ. One may claim immediately after funds become available; another may leave them on the contract. That difference reflects collection choices, rather than different borrower payment schedules.

The loan stage's settings specify monthly or weekly interest payments. 8lends uses both frequencies. It does not explain the decision rule used to choose between them for a particular stage.

Confirm with 8lends support what determines the frequency for the loan concerned. Do not assume that a larger pool, a shorter term, or a particular borrower category automatically produces weekly payments.

There is also no universal calendar day for every monthly or weekly loan. A description such as “monthly” is insufficient to infer a particular date. Confirm with 8lends support the calendar day applicable to the specific stage.

The exact calendar day a payout lands, and what determines whether a loan pays monthly or weekly, are not fixed across all 8lends loans — confirm these specifics with 8lends support rather than assuming a schedule based on other lending platforms.

Available interest is collected through a claim from the smart contract. The investor initiates the transaction and confirms it through the connected digital wallet. Claiming requires a Base network gas fee, even though 8lends charges no platform fee for the payout.

There are two separate events: the contract allocates available interest to the investor's position, and the investor claims it. Seeing an available amount in the dashboard does not mean that a collection transaction has already happened.

To collect it, open the project or available-funds section in the 8lends account, select the claim action, and confirm the transaction. Settlements take place in USD on Base. Available interest can also remain on the contract until the investor chooses to collect it.

The platform fee for receiving interest and collecting repaid principal is 0%. The separate 10% seller fee applies to a Secondary Market sale; it is not deducted from ordinary scheduled payouts. Network fees still apply to claims, so “zero platform fee” does not mean every transaction is free.

Is leaving accrued interest unclaimed on the smart contract the same as reinvesting it?

No. Unclaimed interest remains allocated to the investor on the contract, awaiting collection. It does not automatically open another loan participation or increase the principal invested in the existing loan.

Leaving available payments together until a later claim changes the collection timing. It does not create automatic compounding. Reinvestment requires a separate investment decision and transaction.

Expect scheduled interest distributions during the loan term, a separate claim to collect available funds, and principal repayment due at maturity. Check the pool's closing date before counting the first-payment interval. Confirm the stage's frequency and specific calendar day with 8lends support.

The loan's payment history is publicly verifiable on Base. Using the relevant contract or wallet address, an investor can inspect the public record through BaseScan without registering with the explorer. This helps distinguish an on-chain payment from an amount merely expected under the schedule.

Is there a fixed calendar day each cycle when a specific loan's payout lands?

A loan may have its own schedule, but there is no single calendar day that can be assumed for every loan. Confirm with 8lends support the day applicable to the specific stage.

Two useful questions are:

• “On which calendar day should this stage's regular payout become available?”
• “What determines this stage's monthly or weekly frequency?”

For a weekly stage, also confirm the first-payment interval because the public explanations differ. If a confirmed due payment is missing, contact support with the project reference and expected date rather than assuming the absence is normal.

8lends is operated by CLEARCHAIN CORP, a Canadian company registered with FINTRAC as a Money Services Business (registration No. C100001102). Maclear AG (Switzerland), a member of PolyReg SRO, acts as the independent Collateral Agent — it does not operate the platform, is not its parent company, and does not hold investor funds.

Investing involves risk, including possible loss of principal. Returns are not guaranteed.