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🌟 Investor digest | Mid-September edition

Here’s a selection of the most interesting content we’ve published across Maclear’s social media channels this September. We’d also like to highlight the guest articles on our blog — take a look and give them a read.

🌟 September special campaign: get an extra +1.5% APR — don’t miss out!

🌟 August track record

🌟 Behind the scenes: what happens on the platform before you see a 15% APR opportunity

🌟 9 investment options that can help you double your returns

🌟 Why Maclear doesn’t keep investor funds “in-house”

🌟 Europeans are saving more but investing less

🌟 “Waiting for the perfect deal” is costing you money

🌟 Why even profitable companies turn to Maclear for financing

🌟 CFO interview with P2P Market Data

🌟 Diversification doesn’t come from owning many assets

🌟 Investment liquidity: understanding the Secondary Market and early exit | Maclear x Jordan Houi

🌟 French expats: where and how to invest abroad | Maclear x Jordan Houi

Explore the full digest and catch up on the latest insights from Maclear. Stay tuned!

Official company statement on account managers on Maclear

We would like to clarify the roles of Andre and Oliver within the Maclear and 8lends teams.

Andre and Oliver are Account Managers. They work with registered and active investors across both on Maclear and 8lends, supporting them throughout their investment journey on the platform.

Their official Telegram accounts:

@oliver_maclear
@andre_maclear

Their official corporate email addresses:

oliver@maclear.ch
andre_am@maclear.ch

Please check carefully that any communication you receive comes from the official contact details listed above.

Their responsibilities include helping you with:

• Registration and account setup
• KYC and Proof of Address (POA) verification
• Deposits and navigation of the platform
• Understanding the next steps in the investment process
• General questions about Maclear & 8lends products and services

🌟 They may contact you first via their official corporate email addresses. Any communication through Telegram, WhatsApp, phone calls, or Google Meet takes place only after the investor has replied and agreed to the preferred communication channel.

If you experience a technical issue, the Account Managers will forward the matter to the Support team for further assistance.

🌟 Important: Maclear and 8lends do not disclose, sell, or share investors’ personal data with third parties. The protection of investor information is a legal requirement and a core part of our internal data-protection standards.

Please be assured that any outreach from our Account Management team is intended to provide guidance and support in relation to your Maclear or 8lends account and investment experience.

Best regards,
The Maclear team

🌟 Maclear’s reached a new milestone

🌟 €150.1M+ — total funded to support SMEs across Europe and beyond

🌟 €52.8M+ — successfully repaid to investors

Maclear has been steadily and confidently progressing toward the €150 million milestone, and we are proud to have now reached it.

We’ll keep moving forward alongside investors and borrowers who place trust in our platform. Together, we’re shaping the future of P2P lending in Europe.

Sincerely,
The Maclear Team

🌟 2FA is a must for every investor

A quick reminder: you’re responsible for your own safety across social media, and it's worth taking seriously. Investors are a prime target for scammers, and account hacks happen more often than you think.

🌟 Start with these few simple habits:

🌟 Make sure to enable two-factor authentication (2FA): turn it on for Maclear, 8lends, Telegram, WhatsApp, and any other platform you use.

🌟 Keep your passwords and sensitive data somewhere secure — never in social media chats or notes.

🌟 Don’t answer calls on Telegram or WhatsApp from unknown users. Remember: our support team never reaches out first.

🌟 Stick to official websites only

• maclear.ch
• 8lends.io
• courses.maclear.ch (our education platform)

🌟 Access Telegram only through our website

Use the Telegram buttons on maclear.ch or 8lends.io to reach our official chat and channel. Don’t search “Maclear” or “8lends” inside Telegram — scammers clone our name and logo to create convincing fakes.

🌟 Verify support specialists by username

Maclear:
@john_maclear
@thomas_maclear
@wenzel_maclear

8lends:
@daniel_8lends
@ceviz1389
@henry_8lends
@andre_8lends
@Oliver_8lends

A message from anyone not on this list is NOT our support.

Protecting your money starts with you. Stay safe!

🌟 “Just put it in an index fund, and see it doubled in five years”sounds too simple. But what does it actually take?

As promised, here’s the full breakdown, with focus on the stats and numbers. Perfect Friday reading.

Historically, the S&P 500 has taken closer to 7–8 years, not five, to double an investment. A five-year doubling requires roughly a 15% annual compounded return — above the index’s long-run average of around 10% a year, including dividends.

So we looked at this and 8 other routes — from AI stocks and crypto to P2P lending and IPOs — and examined what it would realistically take to reach that 15% annual-return mark.

🌟 Spoiler: there is no one-size-fits-all answer waiting for you there.

Read the full article on Medium

🌟 Let's imagine you need to turn €10,000 into €20,000 in just 5 years. Where would you invest?

To do this, you need ~15% annual returns. We analyzed popular options in terms of potential and risk and broke them down:

🌟

S&P 500 ETFs — historically 9-10% a year. historically 9-10% a year. At that pace, doubling takes 7-8 years. During crises and corrections it can drop 20-50% (2008, 2020, 2022). A reliable option for long-term investments over several years.

🌟

MSCI World

— slightly lower returns, and about 70% the same US stocks. But with the ability to reach different countries. Exposed to short-term volatility, and doesn't include emerging markets.

🌟

Individual stocks

— no ceiling, a good pick can return 2-5x. No floor either: a company can go bankrupt and wipe out the position. Need to be carefully chosen, requires a lot of free time for analyzing reports and a basic interest in business.

🌟

AI companies

— trendy; the sector with the best shot at 15%+ a year if the trend holds. The question is how much future growth is already priced in. Requires knowing the market well.

🌟

IPOs

— a handful of standout stories set expectations, but most new listings underperform the market in the first 3-5 years after going public. Good market instinct plays a major role here.

🌟

European ETFs

— lower returns than US indices, driven by sector mix (more banks and industrials, less tech). Less currency risk, for anyone already holding euros.

🌟

Alternatives

— gold and real estate sit at the stability end. Ideal for those who already have more capital and can afford to wait. Illiquidity is a common risk across this category.

🌟

Crypto

— offers the highest growth potential of any option here, and matching volatility. The easiest entry point. Trades 24/7, unlike traditional markets. Heavily exposed to US policy.

🌟

P2P lending (Maclear, for example)

— 14-16% in fixed monthly payments; returns don't move with the market, but you take on borrower default and platform risk, fairly illiquid, but that's offset by a Secondary Market.

🌟 The conclusion suggests itself: there's no right answer here. The best approach is knowing your risk appetite, choosing based on your specific goal, and not putting all your eggs in one basket. Also factor in the assets you currently have.

Soon, we'll cover the topic in depth on Medium, with data included.

🌟 New project in the Compliance process

We’re presenting a Bulgarian B2B supplier of medical-grade equipment. Its clients are private medical facilities in Bulgaria.

🌟 Thanks to its specialised market focus and strong demand supported by contract-based payments, the company increased its revenue from EUR 196K in 2023 to EUR 806K in 2025.

🌟 Legal details:

Company name: SEMIKA EOOD
Reg. No: 201854542
VAT No: BG201854542

The company currently has two signed contracts with a combined value of EUR 1.4M. To execute them, SEMIKA is seeking a EUR 600,000 loan.

Find more details in the project cards.

Follow the project on the platform so you do not miss any updates.

🌟 Maclear in numbers | August highlights

We’re closing the summer chapter of 2026 with our new monthly report.

August brought continued platform growth and repayments from 68 projects, returning capital to investors and supporting ongoing liquidity across the platform.

More insights:

🌟 €7,677,150 in investors deposits

🌟 14 projects successfully funded

🌟 €4,857,950 repaid in principal and interest

THE FULL REPORT

🌟 Celebrating new milestone

🌟 €145M+ — total funded to support SMEs across Europe and beyond

🌟 €50M+ — successfully repaid to investors

As we move into the new season, our focus this autumn is on steady growth: expanding our reach, launching an onboarding system for new investors, and strengthening internal processes. We’re also working on enhancing platform and chat security.

Thank you for investing with our platform.

P. S. Last month’s highlights will be out tomorrow.

Sincerely,
The Maclear Team

🌟 What happens on the platform before you see a 15% APR opportunity?

Since the very first project listed in 2023, a lot has changed in the process, but the core framework only grew stronger.

Application → preliminary check → full-scale compliance → collateral → final score → investment opportunity.

This approach explains why projects can sit in Compliance for a while, and why you’ll never see 30 projects open on the platform at once. Protecting your investment takes time.

🌟 Maclear CFO’s quote describes it best: “I believe in the commitment we’ve made to our investors, and I want Maclear to remain a stable platform rather than chase big numbers.”

In a recent post, he also broke down every step behind borrower screening on Maclear — check it out here.

🌟 Introducing a special campaign: 8LNDS voucher exchange on Maclear

From September 1 to September 30

For 30 days, you can exchange your claimed 8LNDS tokens (bonus points) for APR vouchers directly in your Maclear account.

🌟 Choose between:

🌟 +1% APR voucher

🌟 +1.5% APR voucher

Exchange your 8LNDS tokens for extra returns added to your fixed APR. The number of 8LNDS required depends on your current balance — smaller balances require fewer tokens, larger balances require more.

You can claim up to 3 vouchers of each type during the campaign (up to 6 total: 3 x +1% and 3 x +1.5%).

🌟 How to exchange 8LNDS for an APR voucher:

1. Open Bonuses in your Maclear account and click “Get a voucher”.

2. Choose your preferred voucher, review the exchange details, and confirm. The required 8LNDS will be burned.

3. Once the burn transaction is confirmed on the blockchain, your APR voucher will appear in “My vouchers”.

🌟 Each voucher applies to one Primary Market investment and is valid for 2 months from the date it’s issued.

🌟 Important details:

• Only claimed 8LNDS already available in your wallet can be used

• The exchange is irreversible once the burn is confirmed

• Your APR voucher is issued only after the burn transaction is confirmed on the blockchain.

• You can process only one exchange at a time

• If you have less than 50 8LNDS, the exchange is unavailable

Full guide on the 8lends tokens

Claim your voucher and boost your APR now 🌟

🌟 Instant deposits under maintenance

Currently, we’re addressing the issue with depositing money fast.

In order to ensure you don't get confused, we've temporarily removed the Instant Deposit button from the deposits menu. Please do not use previously saved details for instant deposits — the feature isn't fully working, and you'll get a reject.

🌟 At the moment, regular transfers are working. Deposits, withdrawals, and investments themselves are all functioning normally.

We're doing everything we can to identify the cause and fix the problem as soon as possible.

Thank you for your understanding.

If you have any remaining questions, please DM John @John_maclear.

🌟 Investor digest | August edition

This month, we gathered the sharpest insights across Maclear social media channels — all in one place.

So you can stay on top of what matters:

🌟 July track record

🌟 Debunking popular myths about P2P lending

🌟 What's scariest about inflation

🌟 What business owners and investors have in common

🌟 Liquidity traps in traditional investments

🌟 Asset-liability mismatch: the biggest mistake investors make

🌟 What share of your portfolio should sit in private debt? Maclear x Coinmonks

🌟 How P2P lending earnings are taxed under IRPF in Spain

🌟 Breaking down alternative investments for small investors

Which piece was most useful? Let us know in the comments.

🌟 The belief in a one-size-fits-all investment is fading, or what our small survey reveals

We reviewed our recent survey results, the profile of the average Maclear investor, and the social posts that generated the most engagement. Here is what stands out 👇🏻

Investors are becoming more deliberate about their allocations. Rather than looking for a single “best” opportunity, they are doing their own research and selecting assets that match their budget, risk appetite, and the current market environment.

🌟 The new baseline goes beyond simply keeping up with inflation. It is about managing risk through diversification: 58% of respondents say they have diversified more across platforms and asset classes, while 52% have increased their exposure to alternative investments.

This is also reflected in the behaviour of the typical Maclear investor, who spreads their investments across around 17 projects and 9 different borrowers over their time on the platform.

🌟 The biggest concern in our survey points to the same shift: 47% of respondents are most worried about choosing the wrong asset.

This is not simply a fear of market volatility. It reflects a more considered approach to investing, where people recognise that the same opportunity can be a good fit for one portfolio and unsuitable for another.

🌟 Returns remain essential, but they are no longer assessed in isolation. Investors increasingly want to understand what stands behind the potential return: how the asset generates income, what risks it carries, how those risks are managed, and when capital may realistically become available again. Transparency and liquidity are therefore part of making an informed decision.

🌟 Investors are moving away from the idea of a universal “best” investment. Instead, they are building portfolios that match their personal goals, investment horizon, and risk appetite. All supported by thorough research.