🏷️ Quick Overview
Name : 8LENDS
Creation : 2024
Country : Switzerland (subsidiary of Maclear AG)
Investors / Funded amounts : +850 investors / +2.9 million € funded
Type of loans : Business loans, secured by real assets, backed by cryptocurrencies
Target strategy type : High yield in the short and medium term, with enhanced security through collateral
💻 Interface & Accessibility
Site language: English
General ergonomics : Modern, responsive, and intuitive interface. However, reconnecting to the crypto wallet is redundant, requiring users to disconnect and then reconnect to access their investments
Registration and KYC verification : Fast process through crypto wallet integration (MetaMask, WalletConnect, etc.)
Mobile app available : No, but optimized mobile web interface
Auto-invest : No
📈 Yield & Performance
Current yield of the platform : 20 - 23.5 %
Observed yield (personal) : About 20%
Loyalty Program : No
Average loan duration : 4 to 12 months
Investment mode : Manual only
Minimum investment : €50
🔎 Project Analysis
Our latest analyses of the 8LENDS projects
Discover our blog dedicated to analyses of platform projects, including 8LENDS!
⚠️ Risks & Safety
Identified risks : Very recent platform, volatility of the crypto market, dependence on collateral assets
Buyback guarantee / collateral : Yes, all loans are secured by verified real assets
Borrower rating available : No, but a rigorous 40-point verification process
Secondary market : No
Global transparency : High, thanks to the use of blockchain and smart contracts
Diversity of originators : High, projects selected individually after thorough due diligence
💧 Liquidity
Withdrawal ease : Good, refunds are made in USDC directly to the connected wallet
Average recovery times for funds : At the loan maturity, generally between 4 and 12 months
Deposit/withdrawal times : Instant via blockchain transactions
Cash drag management : Low, thanks to automation and continuous project selection
🛡️ Regulation & Reliability
Official regulation (PSFP, FCA, etc.) : No, but compliance with Swiss standards through Maclear AG
Legal compliance (country of origin) : Compliant with Swiss regulations on finance and data protection
History / known incidents : No major incidents reported to date
Responsive customer service : Yes (email, telegram)
Regular communication : Yes, frequent updates on projects and the platform
🎁 Bonus & Referral
Welcome bonus : Yes, €30 credited upon account opening
Referral bonus : 6% Cashback on investments for the first 90 days
It is important that you connect your wallet for the first time immediately after clicking on the link.
Otherwise, the bonus could not be taken into account.
ADDITIONAL BONUS: Earn bonus points that will soon be converted into $8LENDS tokens!
🧠 My personal opinion
✅ Strengths :
- Attractive returns
- Loans secured by real assets, providing increased security
- Transparency and automation through blockchain
- Rigorous borrower selection process
❌ Weak points :
- Absence of secondary market
- No specific official regulation for 8Lends
- A relatively new platform with a limited track record
📌 Should I invest in it? Why? : Yes, as a complement to a diversified portfolio, especially for those who want exposure to the DeFi sector with tangible guarantees
🔍 Which investor profile? : Experienced investors who are comfortable with crypto assets and seeking high returns while accepting a moderate level of risk.