8lends Official

What will make crypto move again?

Certainly not another bunch of memecoins. New memecoins only make things worse for crypto.

To push prices higher, crypto needs real Web3 businesses that create real-world value.

Have a more interesting idea? Join our Space:

🔘 Today at 14:00 UTC
🔘 Click here to join

Speakers:
Sergei Novikov, CPO @8BlocksLabs
Artem Nuraev @artemiy_nur, Dash Community Ambassador, CBDO LATAM & CIS @Dashpay
Ivan Marcena, CCO @eightlends
Maria, CCO @Maclear_ch

We’ll be happy to see you there!

Invest in real businesses with fiat!

Thanks to MoonPay, you can now invest on 8lends using a card payment — without needing to buy USDC on a crypto exchange first.

MoonPay is a licensed platform in Europe that supports fiat-to-crypto transactions.

Click here to learn more about this feature

In the attached video, we show you what the process looks like, so you can see how it works and learn how to invest with a bank transfer.

What happens to your money once you invest it?

You added funds to your account on 8lends, chose a project, invested in it, and...

What's next?

Just waiting for the interest? But what's happening in the middle of the process, between investing and receiving your interest?

We covered the whole process in one of our YouTube videos.

So, if you've ever wondered what happens to your money after you invest, here's the answer 🤩

https://www.youtube.com/watch?v=lEMxAmfM3Bg

We reduce the cashback in $8LNDS tokens

⚖️ The current cashback in $8LNDS is 4%.

Slowly but surely, we're reducing our marketing incentives to make the platform's returns more balanced.

✅ So, we recommend you make the most of our current bonuses while they're still so high! We'll keep you updated on any further changes.

Meanwhile, we're adding more valuable updates, such as leagues, the opportunity to invest with a bank transfer, a wallet created for you, and more. The goal is to keep improving the platform and making your experience better over time.

🚩 8lends' main priority is your security and long-term success.

P.S. We're updating the leaderboard soon and adding some interesting metrics. Stay tuned! 😉

🤩 Welcome to the 8lends league!

If you signed up on 8lends, you're already part of the Bronze league! But once you start investing, things get much more interesting.

Each league comes with different benefits. Moving up to a new league comes with its own nice perks:

🥉 Bronze: for all users (no investment needed)

Main project catalog, secondary market, basic support.

🥈 Silver: from 1,000 USDC

Bronze perks + early access to new platform features, priority support.

🥇 Gold: from 7,500 USDC

Silver perks + access to special projects that aren't available to lower tiers. Personal meetings with the team and borrowers.

💎 Diamond: from 25,000 USDC

Gold perks + a personal manager who helps you manage your portfolio: analyzes deals before you enter, finds exclusive deals for you, monitors payments, and prepares reports. Exclusive deals with limited access.

♠️ Obsidian: by invitation only. Better than a secret society.

Your league depends on the total amount of active investments. This is the sum of all active investments in projects that are currently raising funds or are already running. Investing on the secondary market also counts.

☑️ If your active investments fall below your league tier

You have 30 days to reinvest and build your capital back up to the required tier, after which your status will remain unchanged. If your capital isn't restored within this time, your league will be recalculated based on your total active investments.

✅ Already invested through Maclear?

Your level is already there. If it's not lower than your current league on 8lends, transfer it here and enable 90-day protection: there will be no demotion, even if your active capital isn't there yet.

🤩 How do you like the update? Show us with your reactions!

TastyCo x 8lends partnership & 600 USDC giveaway

We announced a new and exciting collaboration on our X account.

😉 We're sure you'll like this one because there's something special waiting for you.

Go check it out: https://x.com/eightlends/status/2097310487415271870

All legal information about businesses on 8lends

A lot of you requested more transparency from us and the companies we list. So, we collected the legal documents from these companies that confirm their business status.

Inside the documents, you'll find:

🔘 Name, type and number of the company
🔘 Nominal share capital
🔘 Number and type of shares
🔘 Date of registration
🔘 Registered office and postal address

We're attaching the documents of these companies to this post:

🔘 ELYSIUM VENTURES LIMITED
🔘 HILLAH INVESTMENTS LIMITED
🔘 KATHY & RAY HORTICULTURES LIMITED
🔘 KEEN AND TIGHT CARETAKERS LIMITED
🔘 TANIR CREDIT & ACCOUNTING SERVICES LTD
🔘 WESTLIP CREDIT LTD
🔘 MANEFIELD INVESTMENTS LTD

❗️ Some of the projects have already been successfully funded, but they might return to the platform later. That's why we haven't attached links to them. Later, we'll also share the legal documents for the currently live projects.

What else would you like to see from us? Share your thoughts in the comments!

😉 You ask—we deliver.

🇯🇵 Japan just sold more US Treasury bonds in three months than in the previous four years combined.

🇨🇳 China has been steadily dumping US debt for over a decade.

Bond yields are hitting multi-decade highs in the US, UK, Germany, and Japan at the same time.

The bond market is $140 trillion, the foundation of the entire global financial system. And it's already cracking.

In the new video we break down why the Fed is trapped between inflation and a collapsing bond market, why Japan could trigger a chain reaction worldwide, and where it actually makes sense to look as an investor right now 🤩

https://youtu.be/w8tamPGQtng

🤩The August report is ready for you to dig into

There's still a lot to get done before the end of the year, and plenty more good updates coming your way.

Let us know what's missing and what you'd love to see more of 🤩

18 Months of 8lends! 🤩

The summer has ended, and autumn is coming into its own. So today we celebrate both: a new season and another month of 8lends!

🤩This was our strongest month yet in total funds raised, and that's thanks to every one of you. Numbers like these are direct proof that we're moving in the right direction.

From August 1 to September 3:

🔘 Raised: $3,219,212
🔘 Total investors: 2,695
🔘 Funded loans: $20,872,027
🔘 Loans repaid: $9,254,539

As seasons change, so does 8lends. We've brought a lot of updates to you this summer, and we hope you liked them!

✨ Later, we'll share our monthly PDF report for August, where we'll point out what new features we brought you last month.

But for now, tell us: which 8lends Summer update did you like the most? 🤩

Answering 2 important questions from our post: "Why Are Our Rates So High"

We recently published a post about why 8lends' rates are so high We received two important questions from investors, and we want to answer them here in detail.

1. The fee charged to the borrower, calculated on the amount raised, is about 3%, while investor bonuses can go up to 6%. The difference is negative, so how is the platform sustainable?

The answer is simple: at this stage, the platform doesn't need to be profitable. It needs to be attractive to the first wave of investors.

8lends launched in March 2025. Like almost any business in its early stage, a portion of its resources goes toward growing the audience and building trust in the platform rather than toward profit, including through bonus mechanics for investors. Traditional businesses often take five years or more to become profitable, and operating at a loss in the first years is considered normal there, not a red flag.

This isn't a permanent model. As the platform grows, the bonus mechanics will be reviewed and reduced, and the economics will shift from acquisition toward sustainable profitability.

2. Maclear AG's role in this model

Maclear AG acts as Collateral Agent for 8lends: it monitors the collateral on loans and conducts independent due diligence on borrowers.

The team and part of the leadership at Maclear and 8lends have historically overlapped, but over time the areas of responsibility were legally separated between the two companies.

Maclear's income comes from two distinct sources. The first is a commission on the funding volume of Maclear's own projects, unrelated to 8lends. The second is payment for auditing and due diligence on borrowers who go through our platform, and this includes payment for Maclear's work on 8lends projects specifically. Both costs are paid by the borrower as part of the cost of raising financing. The investor doesn't bear these costs, and their returns aren't affected by them.

For transparency, we're attaching Alpha Systems LLC's profit and loss statement for 2025.

Alpha Systems LLC is the legal entity responsible for operating the 8lends platform: the Web3 infrastructure, smart contracts, and interface.

The report shows a net loss for the year, and we want to be honest about it: the loss doesn't come only from investor bonuses. It comes from a full range of items, including legal and compliance costs, contractor wages, IT infrastructure, and amortization of capitalized costs for smart contract audits and platform development.

🤩 If you still have questions, leave them in the comments. We'll pick the most important ones and answer in a new post.