8lends Official

🤩 Maclear AG updated its Crypto courses!

The platform has been rebuilt to deliver a whole new learning experience, so you can get a kick out of learning!

Release notes:

✅ Progress tracking — monitor your activity and progress on the platform

✅ Cleaner, more intuitive interface — find everything you need in 2-3 clicks

✅ Wallet integration — connect your wallet and receive bonuses without extra steps

✅ Multilingual support — learn in your language. All images and videos are already translated into 9 languages (all translations are made by AI), so there’s no need for subtitles

✅ Built-in support — ask questions right during lessons without switching to external chats

On top of that, the second part of the crypto course is already there! Dive in once you’ve completed the first part.

All Maclear & 8lends courses are completely free.

✨ Explore the platform and be among the first to try it all out.

We’re looking forward to your feedback!

🔈 Spaces This Week

Lately, we’ve been hosting and joining a lot of Spaces, but this week, we’re slowing things down a bit.

It won’t be packed with discussions, but we’re not leaving you empty-handed either!

📢 For example, tomorrow we’re hosting a Space with @ENI__Official at 13:00 UTC to talk about RWA. If you’d like to join, click the link.

✖️ We'll announce other upcoming talks on our official X account.

As always, we’ll be happy to see you there and answer any questions about the market or our platform.

Have a good one!

✨ How does 8lends grow so fast?

We've been growing remarkably quickly over the last year. Something has to stand behind such an expansion, right? And it does! After all, we're not a memecoin that surges for no reason and falls just as fast.

Let's break down 3 main reasons:

🔘 Maclear AG

Maclear is a Swiss P2B marketplace where SMEs offer individual investors the opportunity to fund their development, and this is our parent company. They have already funded €94.8M+, repaid €26.4M+, and gathered 34,000+ investors on the platform.

When we first launched 8lends, most of our first investors came directly from them, so they already knew the basics and had clear expectations of what we're like. That gave us a big boost at the very beginning.

🔘 We significantly invest in marketing

Moreover, we invest more than we earn!

When your goal is to become the biggest and most recognizable P2B platform in the Web2 and Web3 spaces, you start thinking on a vast scale. First you build, then you earn.

🔘 You

Recently, a large portion of our current investors came to us through referral links, and that's awesome! Your friend gets the opportunity to build a stable passive income, and you receive income as well.

Thank you for staying with us. In the future, you'll be able to say that you've been here at the very beginning!

If you didn’t expect such fast growth from us, you will earnestly be surprised by the end of the year 😉

😈 HOT SEAT IS SET FOR NEXT WEEK!

Thank you all for your applications! From what we’ve seen, you’re more than ready to torture us with questions 🤩

We’ve already set up the show. If you missed the concept, please read this post.

Everything you need to know:

🔘 Date: April 23rd, 15:00 CET
🔘 Idea: We start by asking selected participants 3–4 questions. Then they take over and question our team. We switch turns until we run out of questions.
🔘 Duration: 30-40 minutes

The main goal of the show is to have honest communication between you and our platform.

We’ll share the link next week, and we hope to see you there!

🤩 It’s going to be a hot one.

$11,000,000 FUNDED ON 8LENDS 🤩

As we said, 2026 is the year of expansion, so we’re aiming to grow faster than last year.

We’re already moving step by step, and you can see it not only in the numbers, but in our activity.

🤩 We’ve been adding more businesses to the platform, joining and hosting more Spaces, and staying more active on social media.

We’re doing all of this to bring you more opportunities to be part of our growth because we want you to scale together with us.

Let’s make this year stronger than the last one. Together!

✨ New feature: stablecoin loans secured by BTC and ETH

You'll soon be able to receive loans in USDC against your crypto.

Here’s how it works:

Provide crypto as collateral ▶️ receive USDC ▶️ use it ▶️ repay the loan ▶️ get your crypto back. That’s it.

This feature is perfect for:

🔘 Long-term holders who want to buy the dip without selling
🔘 Those who want to avoid triggering taxes
🔘 Anyone looking to enter a new position without closing an existing one
🔘 Users who need liquidity while their assets are locked in crypto

We're currently testing this and will share more details later.

What do you think about this update?

Life in Debt

The average person in Europe spends 25-31 years paying off a mortgage. A car loan takes nearly 6 years. Debt of honor — never.

Most people work not for themselves, but for banks.
There are only two ways to interact with credit:

🤩 First, to be a borrower. Pay interest your whole life: on a phone, a car, a vacation, or a house.

🤩 Second, to be a lender. Earn interest while someone else uses your money.

Those who’ve already built wealth didn't borrow to consume. They borrowed to scale or launch businesses, and more often, they lend.

These are two sides of the same table.

P2B lending is a chance to look at things from another side of the table. There's no need to be a bank and have $100,000 to lend.

🤔 All you need is to make one simple decision: take a loan or give a loan.

🔈 This Week in Spaces

Welcome to a new week! We’ve prepared a packed lineup of live sessions — some we’ll host, others we’ll join as guests.

✨ In total: 8 Spaces with nearly 10 different guests.

We’ll discuss real yields, AI, on-chain investments, P2P lending, crypto, tokenization, RWAs, and more!

✖️ All announcements and links will be shared daily on our X account.

We’d love to see you in at least one session and will gladly answer your questions.

See you there!

I'm afraid to make the first step ❗️

And the reason isn't psychology — it's physiology. There's an amygdala in our brain that stops us from accepting new things. When we encounter a change, this part of our brain triggers a stress response (cortisol and adrenaline) before our conscious brain even realizes what's happening.

Basically, it's our subconscious reaction to new things. It means this is just our short-term survival reaction.

🤩 However, once we realize that some kind of new knowledge isn't threatening, we dive into it, learn it, and receive a positive reaction from the Ventral Tegmental Area (VTA) and Nucleus Accumbens — we get a small dopamine hit!

This is curiosity, the thrill of the "aha!" moment, and the urge to click the next episode.

Once we step over our short-term reaction and learn something new, we only benefit from it. But making this first step is actually difficult, and most people just can't do it — they decline any changes and stay conservative for their whole lives.

How to overcome this urge to reject new things? Just take a small step toward it, learn a bit, see how it works, and you'll beat this resistance.

🤩 For example, if you feel that starting to learn a new language is impossible and that you won't manage, give it a try. Learn a few new words along with one or two grammar structures. Once you take this small step, you'll get a dopamine hit, and your caution will fade away!

🤩 The same goes for 8lends. If you're afraid of investing in real businesses through our platform, take an easy step and learn how it works.

You can invest just 100 USDC to make this first step. You won't lose this money — you'll be able to walk away with it anyway.

🤩 So, the choice is yours: make the first step or keep restraining yourself.

✨ New Project: Lutrina Construction

🇰🇪 Lutrina Construction is a construction company from Kenya, based in Nairobi. They build houses and small commercial buildings for clients like developers and landowners.

They act as the main contractor — meaning they manage the whole project, buy materials, hire subcontractors, and make sure everything is completed on time and within budget. They don’t do most of the physical construction themselves yet, but plan to start doing some of it using their own equipment.

Key facts

🔵 Founded: 2018
🔵 Location: Nairobi, Kenya
🔵 Owner: Fully owned by CEO Doreen Kendi Mukami
🔵 Business type: Construction company (general contractor)
🔵 Operating model: Asset-light (uses subcontractors instead of own workers/equipment)
🔵 Clients: Property developers, landowners, small commercial investors
🔵 Team: Small internal team + external subcontractors

Financial performance

🔵 Revenue is growing every year (from ~€2.7M in 2023 to ~€3.4M in 2025)
🔵 Profitable every year
🔵 Net profit:

🔵 2023: ~€126K
🔵 2024: ~€138K
🔵 2025: ~€171K

🔵 Margins are currently low (because they use subcontractors)
🔵 Profits expected to increase strongly in 2026–2027 after buying their own equipment

Loan details

🔵 Total loan: €500,000
🔵 Risk score: BBB
🔵 Interest rate: 23.40% APR
🔵 Term: 9 months
🔵 Debt-to-equity: 1.28
🔵 LTV: 92%
🔵 Credit history: 8/10

We’ve been adding a lot of new businesses lately. Do you like it? 😉

Should we keep bringing more, or is the current selection enough for you?

Smart Money Doesn't Need Complex Strategies ❗️

After years of SPACs, derivatives, algorithmic trading, and tokens with complex tokenomics, smart money is moving the other way round — to simplicity.

Take private lending as an example.

Pension funds, underwriting firms, and major institutions like Citigroup, Apollo Global Management, and Fortress Investment Group are allocating capital to markets with a clear and significant rotation toward private markets.

✅ We already shared the numbers in this post. Now let's discuss the reasons behind the growing interest.

Smart money diversifies across many options with a clear and significant rotation toward private markets (like private lending), international equities, cash (MMFs), and gold.

Why do they choose private markets? Simple, because they're less volatile and more resilient than public markets. According to the BlackRock study 👇

🔘 Alternative assets make up 42% of the average family office portfolio (up from 39%).
🔘 Nearly one-third (32%) of family offices intend to increase their allocations to private credit (32%) and infrastructure (30%) in 2025-2026.
🔘 Institutional allocation to alternatives hits a record 20% average.

Private credit is straightforward:

A business raises funds from investors, provides collateral as a security layer, scales its operations, and repays the loan with interest.

Capital flows into the real economy, supporting real businesses, and news doesn't really impact the way these businesses operate and generate returns.

While most retail investors are looking for the next “big thing,” we prefer simple and time-proven structures that generate consistent cash flow.

✨ New Project: SIA Ramotti

🇱🇻 Ramotti Metal is a small, privately owned company based in Riga, Latvia, founded in 2019. It operates in the electronic waste (e-waste) industry, working mainly across the Baltic region (Latvia, Lithuania, Estonia) and selling to recycling and industrial companies across Europe.

They buy mixed electronic waste such as old electronics, equipment, and components, identify and separate valuable materials inside (like copper, aluminium, and precious-metal-containing parts), and sell these sorted materials to specialized recycling and metallurgical companies that process them further.

Key facts

🔘 Founded: 2019
🔘 Location: Riga, Latvia
🔘 Ownership: 100% owned by Natālija Kuzmiča-Poliščuka
🔘 Business type: E-waste collection, trading, and recycling intermediary
🔘 Operating model: Asset-light (now), moving to own processing facility
🔘 There are 4 employees (small team) with plans to grow to 8-10 people

Financial performance

🔘 Growth:
2023 revenue: ~€656k
2025 revenue: ~€1.0M

🔘 Profit:
2025 net profit: ~€94k

🔘 Future (planned):
2026 revenue: ~€2.1M
2027 revenue: ~€3.4M

Higher profits are expected due to own sorting

Loan details

🔘 Total loan: €575,000
🔘 Purpose: Build their own sorting facility
🔘 Risk score: BBB
🔘 Interest rate: 21% APR
🔘 Term: 9 months
🔘 Debt-to-equity: 4
🔘 LTV: 115%
🔘 Credit history: 8/10

This is another new GEO for our team, and that's another confident step towards worldwide reach!

🤩 8lends has no borders.