Frequently Asked Questions

General

Investments

User Guide

Bonuses

Tokens 8LNDS
Invite a friend and earn 6% of your friend’s investments in USDC as a bonus.
The referral period lasts 45 days from the moment your friend connects their wallet using your link.
After that, new investments won’t participate in the referral program — but all previously accrued rewards will continue to be paid according to schedule.
It’s a +6% bonus on every investment, paid in 8LNDS tokens with a 10-month vesting period.
Schedule:
- Snapshot & Distribution Start: Early November 2025
- Conclusion Date: December 2, 2025
After December 11, 2025, it will no longer be possible to earn new bonuses for this event. However, all accumulated bonuses will be available and will be subject to a vesting schedule.
How do you pay crypto taxes? 8lends isn’t authorized to advise you on legal matters — but our partner is. Blockpit.io has been helping people with their crypto taxes since 2017! We’ve prepared a full article explaining exactly what our partners do and how they can help you. Learn more.
8lends was created by Maclear, a Swiss P2P lending company founded in 2020. Maclear built the foundation with strict compliance, while 8lends takes the model global with Web3 infrastructure.
8lends follows Swiss DPA and EU GDPR. We collect only necessary data, store it securely in Switzerland, and may share it with partners under strict rules. You can access, correct, or delete your data anytime.
KYC protects you and your funds. With Sumsub, we ensure AML/GDPR compliance, fraud prevention, and full legal clarity. It also guarantees your data is protected and that each of your investments is tied to you.
8LNDS is the marketing token for the 8lends ecosystem, built on the Base blockchain. It is primarily used for the platform's bonus and reward programs. In the future, the token will also provide access to exclusive platform features and utilities.
You invest in real companies through legally binding, collateral-backed loans. Businesses use your funds to grow and repay with fixed interest, while everything is secured and transparent on-chain.
Every project on 8lends gets a credit rating from AAA (10/10, lowest risk) to D (1/10, highest risk), based on financials, management, and liquidity. Ratings show default risk, are updated quarterly, and follow global standards like S&P and Moody’s.
Learn the basic features of 8lends in this short video.
The initial supply is 100,000,000 8LNDS, with the full amount provided as initial liquidity.
The tokenomics model allows for new tokens to be minted automatically by the Reward System smart contract. This minting occurs solely to fulfill actual reward distributions, such as investments, retrodrops, airdrops, and user bonuses.
We check financials, collateral, market potential, legal compliance, and company reputation. Each project is scored based on 40+ parameters. Ratings range from AAA (10/10, lowest risk) to D (1/10, highest risk). Only carefully vetted businesses with real collateral make it through.
None. Investors pay no entry, maintenance, no withdrawal fees. All costs are covered by borrowers, so you keep 100% of your returns with no hidden deductions.
The Reward System is a unified smart contract that manages all token bonuses, distributions, and emission logic for the 8LENDS ecosystem.
If a borrower delays a payment for 90+ days, the loan automatically counts as a default and becomes frozen. Collateral is sold, and proceeds go to investors.
Borrowers pay monthly interest during the loan term, and at the end of it, they repay principal (your original investment) in full.
Check your email’s spam folder, or contact our support team at @daniel_8lends or @ceviz1389.
- Proof of Loan 6% Bonus: A bonus for your first investment.
- Retrodrop: Rewards for our early investors.
- Airdrops (Zealy/Galxe): Distributions for completing community tasks.
- Vesting & Unlocks: Manages the timed release of locked tokens.
All loans run in USDC and are secured by a smart contract on the Base blockchain. Terms can’t be changed, and repayments run on schedule. Security is confirmed by CertiK and Cyberscope audits. Everything is transparent and collateral-backed.
The minimum investment is 100 USDC. Average returns are 19-25% per year, with loan terms from 4 to 12 months. Businesses agree to these rates because 8lends offers faster approval than banks and fair terms, while investors earn regular interest without long lockups.
Connect your wallet, start KYC on any project page, choose your device, country, and document type, then upload your ID and follow the instructions. Verification takes just a few minutes.
For every reward distribution, the contract executes a single transaction with three steps:
- Buyback: It buys the required amount of $8LENDS from the liquidity pool.
- Burn: It immediately sends the bought tokens to a dead wallet, permanently removing them from supply.
- Mint & Distribute: It mints new tokens and sends them to the user.
This mechanism ensures the token's circulating supply and price remain stable when rewards are paid out.
8lends charges borrowers a 3% platform fee once a pool is fully funded, plus penalty fees if deadlines are missed by a borrower. Investors keep 100% of their returns while businesses get fair loan terms.
A stage is a smaller part of a larger loan. Each stage is funded and repaid separately, so investors get returns step by step while companies access funds sooner without waiting for the entire loan to be raised.
Download MetaMask, create a wallet, and back up your secret phrase safely. Copy your Ethereum address, add the Base network, and import USDC. Now your wallet is ready to use with 8lends.
We seed the DEX pool on Base with:
- 100,000 USDC
- 100,000,000 8LNDS
This sets the initial ratio at 100,000 USDC : 100,000,000 8LNDS, which means the starting price is 0.001 USD per token.
Interest is paid monthly and deposited to your 8lends account. At the end of the term, your principal is repaid in full. You can withdraw anytime or reinvest in new projects. All transactions are recorded on-chain.
Connect your wallet at app.8lends.io, choose a project, enter an amount (min. 100 USDC), and confirm. Your investment appears in your dashboard with all details and returns tracked automatically.
No. At launch, tokens are only minted and distributed to investors, retrodrop participants, and airdrop recipients. Retail buying is not enabled at this stage.
We’ve prepared tutorials guide you step by step. Click to watch.
Paying taxes on crypto depends on the rules in your country, and some of them are still a bit unclear. 8lends isn’t authorized to give legal or tax advice, but our partner Blockpit.io is. They work with us and our investors to help handle crypto taxes.
We’ve prepared an article that explains their work in more detail and how they can support you.
Yes. Anyone who holds tokens can sell from day one. Since liquidity is provided by the company, the token is fully backed from the start.
In early November 2025.
Liquidity will be added and the Reward System will be activated, making the token available on a DEX (Base).
Stage 1 is the marketing phase, focused on growing activity, which includes drops, bonuses, the Proof of Loan program, and maintaining interest in the ecosystem.
Details about this stage will be announced soon.
- Project investors
- Retrodrop and airdrop participants
Only the Reward System can buy tokens, which it does to balance emission. Any user who has received tokens can sell them.
Proof of Loan is a +6% bonus on every investment you make. This bonus is paid in 8LNDS tokens with a 10-month vesting period: 2.5% of the tokens unlock every week.
The calculation uses this formula:
Tokens_PoL = Pool_USDC × 6% / Price_8LNDS
Example:
Pool Size = 50,000 USDC
Token Price = 0.002 USD
Bonus = 50,000 × 0.06 / 0.002 = 1,500,000 8LNDS
The Reward System smart contract handles distribution in three steps:
- Buys back 1,500,000 tokens from DEX
- Burns those tokens
- Mints 1,500,000 new tokens and distributes them to investors
This process keeps the circulating supply stable while rewarding investors.
Complete tasks on Zealy and Galxe to earn airdrop rewards at token launch; every investment also gets a 100% bonus, converted into $8LNDS tokens to sell or reinvest.
All users who have invested a minimum of 100 USDC by December 11, 2025.
The first stage is based on the snapshot in early November 2025.
Formula: 1 Bonus = 1 8LNDS
Example: An investment of 5,000 USDC would yield 5,000 Bonuses, which equals 5,000 8LNDS.
The second stage runs from early November until early December.
Formula: Tokens_drop = Pool_USDC × 0.001 / Price_8LNDS
Example:
Pool = 50,000 USDC
Token Price = $0.002
Calculation: 50,000 × 0.001 / 0.002 = 25,000 8LNDS
- All token distributions are processed automatically.
- Tokens are sent to the user's wallet and held by a vesting contract.
- Initial Unlock: 2.5% of tokens are unlocked immediately at distribution.
- Linear Vesting: The remaining 97.5% are unlocked linearly at a rate of 2.5% per week over 10 months.
You can view all your 8LNDS token allocations in your Dashboard under the "8LNDS TOKEN" tab, broken down by categories (e.g., Investment, Airdrop).
Because our token model is dynamic. New 8LNDS tokens are only minted to cover verifiable, real-world rewards that are processed through the Reward System smart contract.
This system mints tokens strictly against actual economic activity within the ecosystem, such as:
- New investments
- Lending operations (Proof of Loan)
- Bonus program payouts
- Retrodrop and airdrop distributions
This directly ties token emission to the real business volume, collateral, and investments in companies. This approach ensures that new tokens are always backed by economic activity, supporting long-term token sustainability without creating sell pressure on dollar-denominated payouts.