8lends from the inside,
with Swiss legal protection

8lends delivers the same investment experience as Maclear AG, but with higher
APRs (19–25% in USDC). The core stays the same: a Swiss compliance
framework and investments in real businesses secured by real collateral.

Start investing →

Maclear as Collateral Agent

Swiss PolyReg-supervised entity holding and registering collateral on your behalf

19–25% APR
in USDC

Fixed annual rate, monthly interest payments, principal returned at term end

Audited smart contracts

Funds custodied on-chain via Base; contracts audited by CertiK and Cyberscope

From
100 USDC

For retail investors. The minimum investment for corporate clients is $100K; these cases are discussed individually with a dedicated manager.

TWO ROLES
One infrastructure

Maclear AG

Switzerland - Basel

The legal and operational backbone — holds collateral, manages defaults, ensures compliance

8lends

Investment platform

The investor-facing platform where you browse projects, invest, and earn returns

Primary role

Collateral Agent

P2B Investment Platform

Jurisdiction & licence

Switzerland — PolyReg SRO member, audited by Grant Thornton AG

SVG — registered VASP under the FSA (operated by Alpha Systems LLC)

What it does for you

Verifies, holds and registers borrower collateral — and recovers it in case of default

Connects you with vetted borrowers; handles investment flow, payments and reporting

Your relationship

Indirect — security layer

Direct — you are the investor

Returns

Not applicable

19–25% APR fixed, paid monthly in USDC

Minimum entry

Not applicable

100 USDC retail · $100K corporate

Asset safekeeping

Off-chain collateral (equipment, inventory, property)

On-chain funds via smart contracts on Base (audited by Certik & Cyberscope)

If a borrower defaults

Maclear initiates collateral recovery and distributes proceeds to investors

Some projects (loans) have BuyBack protection. If a borrower defaults, the full principal is returned according to the program terms

TWO ROLES
One infrastructure

Maclear AG

Switzerland · Basel

The legal and operational backbone — holds collateral, manages defaults, ensures compliance

Maclear initiates collateral recovery and distributes proceeds to investors

8lends

Some projects (loans) have BuyBack protection. If a borrower defaults, the full principal is returned according to the program terms

In short: 8lends lets you invest directly in real businesses. Maclear AG audits them and secures their collateral to help protect your investments.

How much 
can you earn?

Move the sliders to see your potential returns
(no compounding tricks included)

Investment amount

1,000

USDC

APR (Annual Percentage Rate)

Term

months

Total earned

1,230

USDC

Monthly payment:

43 USDC

Return at end of term:

USDC

Join now

Calculations are estimates. Actual APR varies by project. Capital is at risk

How it works

Four steps from deposit to compounded returns

Fast start

Start from just 100 USDC and choose a collateral-backed project. Funds go directly into a smart contract.

Monthly income

Interest is paid monthly and becomes available to claim on your account.

Principal at term end

At the end of the term, you claim your principal with the final interest payment.

Reinvest and compound

Reinvest claimed payouts into new projects to grow your returns over time.

Join now

Calculations are estimates. Actual APR varies by project. Capital is at risk

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Andre Smith

See what matters in a deal right away

We can walk through it together — fill out the form and our manager will provide a detailed breakdown of deals and risks that are not usually made public

Live Chat

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项目概览

8lends 展示的项目均为寻求增长与规模扩张的中小企业。所有企业均通过审核，提供抵押品，且业务分布于欧洲、非洲等地区。

自 2006 年以来，保加利亚

Datra Ltd.

农业及食品设备的供应、安装与维护

贷款金额

950,000 欧元

学期

12 个月

收益率（年利率）

21%

融资目的

尽职调查

该公司已签订三份总价值545万欧元的合同，需要融资以采购用于青贮饲料农场建设及加工生产线的设备。本次贷款将帮助其快速执行项目并保持良好的盈利能力。

我们核实了Datra的财务历史记录，包括超过300万欧元已全额偿还的银行贷款，并确认了所有已签署合同的真实性。Maclear AG对其现金流、担保物及贷款价值比（LTV）进行了审计，确认其具备充足的偿还能力。作为担保物的设备具有稳定的市场价值且易于变现处置。

自 2006 年以来，保加利亚

JINTEKI

在现代化、设备齐全的有机生产设施中加工、冷冻和干燥水果和蔬菜。

贷款金额

900,000 欧元

学期

14 个月

收益率（年利率）

19%

融资目的

尽职调查

该公司正在扩大生产规模，需要为引进新型冷冻设备进行融资。此举将有助于满足零售客户及自有品牌客户日益增长的需求，并提升整体产能。

我们确认了该公司的经营恢复状况，审查了现行合同，并验证了新所有权下的运营情况。担保物包括冷冻设备及现有生产资产，均具有明确的清算价值，所有信息已由Maclear AG核实。

自 2006 年以来，保加利亚

Wholesale Electronics Ltd.

向 Technomarket 和 Magnum-D 等主要零售商和电信公司供应消费电子产品

贷款金额

600,000 欧元

学期

16 个月

收益率（年利率）

22%

融资目的

尽职调查

该公司正在执行2025年度总额超过1,400万欧元的合同，需要营运资金用于向供应商支付预付款。由于客户付款周期为90至120天，本次贷款旨在弥补这一临时性流动资金缺口。

我们确认了该公司稳定的财务表现，并核实了所有主要合同及担保物。Maclear AG审查了其风险指标（评级A、资产负债率0.38、LTV 10%）及还款记录。本次贷款以公司资产及已确认的收入来源作为担保。

How We Protect Investments

BuyBack — 100% Principal Guarantee

Some projects on 8lends are marked with the BuyB badge. If a borrower delays payment for more than 60 days, our partner automatically buys back your loan and returns 100% of your principal. All interest earned before the delay remains yours. This is the highest level of protection on the platform.

Learn more

Borrower Due Diligence

Every borrower goes through multi-layer due diligence performed by Maclear AG, based on 40+ internal criteria: financial stability, credit history, collateral liquidity, risk scoring, business model, documentation quality, and more

Learn more

Real World Collateral

Every project is backed by real business assets — equipment, machinery, inventory, or property with verifiable market value. All collateral is legally registered through Maclear AG. If a borrower faces financial difficulties, Maclear AG assesses the assets, initiates recovery and sale, and distributes the recovered funds proportionally to all investors.

Learn more

All Projects

月度报告

公司业绩、财务表现和运营亮点月度概览。

报告月份

2026年5月

本月更新

Monthly report

2026年6月

敬请期待

点评

使用USDC投资真实企业并获得稳定的月收入

4.9

Based on

reviews

巴勃罗·迪亚兹

Trustpilot

“我最初是 Maclear 的用户。我相信 P2P 平台的未来在于 Web3，8lends 在该领域具有巨大的潜力。随时都能获得快速可靠的支持。”

Lbt

Trustpilot

“整体投资体验良好。项目描述详尽，Telegram 社区的支持非常及时，利息支付准时。”

鲁迪

Trustpilot

“我已经使用 8lends 几个月了，平台履行了所有承诺：链上认购操作简单，派息定期且无意外，支持团队响应迅速。”

Bonuses

We offer extended bonuses as part of our strategy to reward early users

Claim 30 USDC — Register Free

First Investment Bonus

Receive a cash bonus for registering and making your first investment.

Referral Bonus

Share your referral link and earn 6% of your friend’s investments for 45 days.

Cashback 8LNDS

Invest in projects and receive 6% cashback in 8LNDS tokens

Join Now

开始投资

通过 USDC 投资实体企业，获得稳定收益。

选择投资项目

注册并完成身份认证 (KYC)

我们登上领先的加密货币和金融媒体

使用 USDC 进行投资

Oliver Brown

Everything you see on the website is available to everyone

But how it actually works in practice becomes clear only through dialogue. Leave your contact to explore the model in more depth

Live Chat

Get an answer right now

By clicking the button, you agree to the personal data processing policy.

Thank you! Your submission has been received!

Oops! Something went wrong while submitting the form.

They Talk About Us

We are featured in leading crypto and financial media

投资者正越来越多地寻找那些能够清晰展示收益来源及资本保护机制的项目。中小企业（SME）众贷应运而生，该模式通过让投资者切身参与实体经济活动，而非置身于抽象的代币经济机制之中，完美地满足 class="highlight" 了这一需求。作为 Web3 领域的一种全新尝试，8lends 将 Maclear 在中小企业借贷领域的深厚经验融入到了链上。8lends 的独特之处在于，每笔贷款均由设备、车辆、房产或大宗商品等真实资产进行抵押担保。这不仅增强了项目的透明度与可预测性，同时也为加密货币注入了真正的实用价值。