Let's get straight to the point:
🔘 Fact #1. How much money do banks generate?
Global banking sector revenue after deducting risks reached a record $5.5 trillion in 2024. Net profit hit $1.2 trillion, which is an all-time high.
How did they generate so much? The margin between deposits and loans. You deposit at 2-3%, they lend at 8-15%, and keep the difference.
🔘 Fact #2. How many SMEs don't get funding?
Only 19.5% of SMEs were in loan negotiations in Q3 2025, the lowest since the end of 2023. Approval rates among the largest banks have fallen to just 13% in 2025.
Actual demand for capital is far higher than the stats suggest. It’s unprofitable for banks to work with small businesses, underwriting small amounts is expensive and risky.
🔘 Fact #3. What's the real value of a deposit?
Inflation in Europe in 2026 is around 2.6%. The average deposit interest rate is 1.77%. Real returns are close to zero or negative, taking into account taxes and fees.
🔘 Fact #4. How much money leaks through commissions?
The global payment fee market in 2025 is $2.5 trillion. The average return on capital for payment players is 18.9%, with some exceeding 100%.
This is the money businesses and individuals pay just to move funds from one point to another.
P2B lending doesn’t solve all these issues, but it cuts out the most expensive middleman — the bank.
🤩 On 8lends, the interest margin that banks would take goes to investors.