8lends Official

Imagine you've signed a contract, but the payment won't arrive for another 90 days.

At the same time, your business needs to start producing right away, so you don't miss the opportunity.

In this situation, most CEOs turn to banks for a loan.

❗️ The problem is that banks take their time. Reviewing and approving a loan application can easily take 60–90 days. On top of that, they'll usually require collateral worth 150–200% of the loan amount.

So what's the point of taking out a loan if your payment from the signed contract will arrive around the same time? And even after all that, the bank can still reject your application.

Big banks now approve fewer than 30% of small business loan applications under $250K — meaning more than 7 in 10 small business owners walk away rejected (Source).

🚩 This is where 8lends comes in.

We don't lend to businesses that don't know what they're doing. We work with experienced businesses that don't want to deal with banks.

✅ We audit the business, evaluate the collateral, and move much faster than traditional lenders.

That's why SMEs choose 8lends.

🤩 Monthly report: June

As promised, we're sharing our June report in PDF format.

It takes time to put each one together, and a lot of work goes into it.

🤩 So if you like this new format, show us with your reactions under this post!

16 months of 8lends! 🤩

Every third day of the month already feels like a red-letter day, right? Let's take a look at what we've achieved together in June 🤩

From June 1 to July 3:

🔘 Raised this month: $1,650,604
🔘 Total investors: 2196
🔘 Funded loans: $15,777,254
🔘 Loans repaid: $6,058,142

It's great to see our numbers keep growing because it means the businesses we fund are scaling without a problem, while you keep investing and receiving stable payouts.

🤩 Thank you for being part of it! That's why we run giveaways and challenges from time to time, so you can join in and receive more payouts from us!

🏆 For example, we're currently running our FIFA World Cup challenge. So, if you've been following it closely, you can place a bet with us and win some extra USDC.

If you're feeling thankful too, you can leave us a review on Google.

We'll share the monthly PDF report with you on Monday. Until then, have a great weekend!

Personal financial report in one click!

From now on, you can access and download the complete history of every transaction you've ever made on 8lends. Filter your transactions by date, type, or currency, then download the full report in either PDF or Excel format.

Here's what you'll find inside 👇

🔘 Every transaction, including the date, amount, and blockchain transaction hash

🔘 A breakdown of transaction types, including investments, interest payments, and bonus payouts. You'll have a ready-to-use report that you can use when filing your tax return.

🔘 Conversion of every transaction from USDC into EUR, CHF, JPY, KRW, CNY, or CZK. All conversions are based on the historical exchange rate on the date of each transaction.

This is a ready-to-use document that you can hand over to your accountant or submit directly to the tax office.

🤩 Here's where to find it: My Investments → Filter → Download Report

Leave a reaction under this post so we know we're moving in the right direction!

🇪🇸 ¡Invitamos a nuestros inversores españoles a la sesión de AMA!

🕕 Tomorrow (02.07) at 6 PM CET

The AMA will be held entirely in Spanish and hosted by our CCO, Iván Marchena (@axlmarchena).

What's on the agenda

Platform stats for the year. New project announcement. How a deal works from the inside. Why your capital is protected — and what happens if 8lends shuts down. Updates on MiCA, Secondary Market and crypto lending.
Q&A at the end. Including the uncomfortable questions.

We'll share the Zoom link tomorrow at 5 PM CET.

¡Nos vemos allí!

✨ New Project: Westlip Credit Ltd

🇰🇪 Westlip Credit Limited is a private company from Kenya, based in Nairobi, founded in 2025. The company provides digital loans through a mobile app and USSD service. It offers three main products: personal loans, business loans for small companies (SMEs), and factoring, which means helping businesses get paid faster by advancing money against unpaid invoices.

Unlike a bank, Westlip operates entirely online and does not have physical branches. Customers apply for loans on their phones, and the company uses credit history, mobile-money data, and its own technology to decide whether to approve a loan. Everything from loan applications to repayments is handled digitally.

Key facts

🟢 Founded: 2025
🟢 Location: Nairobi, Kenya
🟢 Owner & CEO: Caroline Wanjiku Chuchu
🟢 Industry: Digital lending and financial services
🟢 Business type: Licensed non-bank digital lender
🟢 Clients: Individuals, small businesses (SMEs), and companies needing invoice financing
🟢 Licensed by the Central Bank of Kenya as a Digital Credit Provider
🟢 Operates entirely through mobile channels with no physical branches

Financial performance

🟢 Started lending in December 2025 after receiving its licence
🟢 Issued 6,153 loans worth over €1.1 million in its first six months
🟢 Generated about €164,000 in revenue during its first six months
🟢 Reached near break-even shortly after launch, reporting only a small start-up loss of around €12,000
🟢 Makes money from interest on personal and business loans, as well as fees from factoring services
🟢 Forecast to become profitable in 2026 as the loan portfolio grows

Loan details

🟢 Total loan: €4,050,000
🟢 Risk score: A
🟢 Lending APR: 23.10%
🟢 Debt-to-equity: 1.8
🟢 LTV: 120%
🟢 Credit history: 9/10

The financing cycle is real: we finance them, and they finance their customers.

Are you investing in this one? 😉

1 July 2026

Europe's MiCA transition period is coming to an end. This marks a turning point for the European crypto market, and the end of the road for some players.

❗️ From this date, any company providing crypto services to EU clients without a CASP license will be breaking the law. No country has the right to extend the deadline. On June 23, ESMA issued a clear statement: unlicensed providers must stop onboarding new clients, stop marketing their services, and only process withdrawals and close positions.

According to industry estimates, up to 80% of the exchanges currently operating in Europe could leave the market.

But it's important to understand who this deadline actually affects. MiCA regulates crypto-asset service providers, exchanges, custodians, and brokers.

🤩 Crowdlending is structured differently, and that's how 8lends is built.

🔘 The platform doesn't rely on a single legal entity. Instead, each role is handled by a separate company. Operations are managed by CLEARCHAIN CORP, a company registered as a Money Services Business with FINTRAC (Canada). This registration explicitly covers crowdfunding and virtual currency transactions.

This status was obtained in advance and remains valid until August 2028. While the market is still assessing the impact of July 1, the platform's legal framework has already been established and confirmed for the next two years. Its operations are covered by a specialized license within its own regulatory category, not a CASP license. This means the deadline doesn't change the legal basis on which the platform operates.

🔘 The software is owned by another company, Alpha Systems LLC. It provides the code, interfaces, and integrations, and nothing more. It's not a lender, a settlement provider, or a trading platform.

Each legal entity is responsible for its own role and operates within the scope of its legal status.

🇪🇺 What does this mean for EU investors?

Nothing changes. July 1 does not introduce any re-registration requirements, restrictions, or operational changes for existing clients. The platform continues to work as usual. Access for EU users who joined the platform voluntarily remains available under Article 61 of MiCA, subject to standard KYC/KYB and AML procedures.

🤔 What should we expect next?

As the product line expands, some future products will go beyond the current scope of 8lends and require a CASP license. So, we're planning to obtain a MiCA license for new products when they appear, not retroactively for the existing ones.

👍 MiCA cleans up the crypto space.

July 1 neither creates nor destroys anything. It reveals who has been building the infrastructure all these years, and who's got nothing underneath.

This is just an overview post, so it doesn't cover every aspect of the MiCA discussion.

If you have any questions, feel free to ask them in the comments. We'll gladly discuss them with you.

GUESS THE WINNERS OF THE QUARTERFINALS, SEMIFINALS, AND FINAL OF THE FIFA WORLD CUP 2026 & WIN UP TO $1,750!

🤩 Prize pool:

Quarterfinals — 4 winners × 250 USDC. Predictions are accepted from now until July 8.

Semifinals — 2 winners × 500 USDC. Predictions are accepted from July 9 until July 13.

Final — 1 winner × 1,000 USDC. Predictions are accepted from July 14 until July 18.

🤩 How to participate:

Create a banner (it doesn't have to be hand-drawn) featuring the national flag of the team you're cheering for and the 8lends logo. Attach it to your post.

Publish it on any social media platform and mention our X account with the following text:

"I'm taking a bet with @eightlends. [Your team] will reach the semifinals/final."

Once you've completed everything, comment "Done ✅" under this post.

🤩 How we choose the winners:

If there are more than 4/2/1 predictions for the team that advances to the next stage, the posts with the highest number of genuine reactions (likes, comments, reposts, and saves) will win.

🤩 Reactions generated by bots or fake accounts won't be counted.

🤩 When we'll announce the winners:

Quarterfinals — July 11
Semifinals — July 15
Final — July 19

🚩 Get the logo from our official website

We're preparing something interesting for you...

Since many of you are closely following the FIFA World Cup in the USA, tell us:

🏆 Who are you cheering for, and who do you think will win the World Cup?

🤩 Top 21st-Century Scams

Scams generate hundreds of billions of dollars every year.

🔘 In the United States alone, people lose at least $119 billion to scammers every year.

🔘 In the UK, financial losses amount to roughly £1.3 billion annually.

Let's not make those numbers any bigger. Instead, let's look at the biggest scams of the 21st century and learn how to spot them before it's too late 👇

https://youtu.be/uOFcgQQD0tc

Everything you need to know about the secondary market

This is your exit option. If you need to withdraw the money you've invested, the Secondary Market is your savior.

Thanks to it, you can sell your investment position to another user and get your money back before maturity.

The buyer receives the right to all future payouts from that position.

☑️ To access the Secondary Market, go to our website and click "Secondary." You'll see all listed offers there.

How it works:

🔘 A seller lists their entire investment position, sets the price in USDC, and the position is temporarily held by the platform.

🔘 A buyer selects the position and pays the listed price. The seller pays the platform commission (10% of the sale price), receives the remaining amount in USDC, and the investment position is transferred to the buyer's wallet.

🔘 From that moment on, the buyer receives all future payouts from the position until the project ends, exactly as if they had invested from the start.

🤩 Important: Only full positions in the Funded stage can be sold. Partial sales are not available.

If the position hasn't been purchased yet, the seller can cancel the order at any time.

😉 Have you already tried the Secondary Market?

We helped 28 scammed investors recover their funds.

It's impossible to protect everyone from scammers, especially nowadays when they're literally everywhere.

🤩 That's why we highly recommend reading this post and always checking who you're talking to.

Back to the point: during the entire time 8lends has been operating, some of our users have lost money to scammers. Usually, this is considered the victim's responsibility, so platforms don't do much to help.

🤩 We want to be better.

So far, we've already helped 28 people recover access to their wallets and get their money back:

🔘 Recovered wallets: 28
🔘 Recovered funds: 32,279.79 USDC

On top of that, they continue to receive interest on their recovered investments and funds.

Please stay cautious and don't let scammers steal your money.

🗯️ If you're not sure about something, feel free to contact our official support team: @daniel_8lends, @ceviz1389, @henry_8lends

GUESS WHEN WE REACH $20,000,000 IN FUNDED LOANS AND WIN $1,000!

🤩 We've already reached $15,000,000 in funded loans!

So it's time to guess when we'll see $20,000,000 on our dashboard. You can track the number on our website: app.8lends.io/en.

Your goal is to guess the date and time when 8lends reaches $20,000,000 in funded loans.

🤩 The closest guess wins $1,000.

How to participate:

🔘 In the comments under this post, write down your guess. Like this: 20.07.2026, 7:25 PM CET or 20.07.2026, 19:25 CET

🔘 Leave a review about us on Google. If you already have experience investing on 8lends, you can write more about it. If you've just started, you can share your first impressions with others.

🤩 We accept guesses until 26.06. Any guess submitted after that date won't count.

If you haven't invested on 8lends yet, this is your chance to technically do it for free 🤩

So, what's your guess?

WE'RE NOT A P2P LENDING PLATFORM.

P2P (peer-to-peer) sounds familiar. Everyone says it, including us.

✅ But to be more precise, 8lends is P2B (peer-to-business). Because private investors lend money not to other private individuals, but to a real business with collateral, a legal structure, and clear cash flow.

P2B isn't a Web3 invention, though. It's one of the oldest ways to borrow and lend money in human history 👇

🔘 Back in Mesopotamia, around 3000 BC, individuals lent grain and silver to merchants at interest. The Code of Hammurabi regulated the maximum rate (33% per annum on grain).

As evidence, even a specific cuneiform tablet from 1800 BC has survived:

"3⅓ silver shekels (sigloi), at an interest of 1/6 shekel and 6 grains per shekel, has Amurritum, servant of Ikun-pi-Istar, received on loan from Ilum-nasir. In the third month, she shall pay the silver."

🔘 In medieval Venice, there was a colleganza contract, and it worked like this: an investor provided capital to a merchant who set out on a sea voyage. The merchant traded, returned, and shared the profits with the investor.

In 17th-century Holland, private investors directly financed the East India Company's trading expeditions before the VOC became the first public company in the world.

People have been trading, lending, and borrowing for thousands of years! Banks are just intermediaries that have been standing between a lender and a borrower for centuries.

🤩 8lends removes this intermediary and returns this relationship between borrowers and lenders to its roots, using the power of blockchain and smart contracts.

We say P2P because it sounds familiar, but P2B is what 8lends truly is.