🌟 8lends: why it matters for your portfolio

For those already familiar with the basics, the fuller picture

🌟 The yield is higher — here’s why

8lends operates globally, with no banks involved at any point. No wire delays, no conversion fees, no intermediaries taking a cut. That operational efficiency flows directly into investor returns, which is where the 18–25% APR comes from.

Same due diligence by Maclear AG, same collateral-backed loans, and a broader reach.

🌟 Every transaction is on-chain

Your investment, every interest payment, the return of your principal — all publicly visible on Base network. Verifiable by anyone, at any time.

🌟 Buyback Guarantee — on select projects

On certain loans, if a payment is delayed beyond 60 days, a partner repurchases your loan and returns 100% of your principal. All interest earned before the delay stays with you.

🌟 Look for the Buyback label when browsing projects.

🌟 Crypto taxes: how to handle them

Although we can't give you tax advice, 8lends’ve partnered with Blockpit — a tax calculator trusted by 350,000+ users across Europe. It connects to your wallet and generates a ready-to-file report for 100+ countries, including Spain, France, Austria, Germany, Portugal.

✔️ “How do I pay taxes?”

🌟 Two platforms, separate infrastructure

Maclear and 8lends are managed by separate teams and run on separate infrastructure. Maclear AG oversees the due diligence on both, but a problem on one platform does not automatically affect the other. They’re designed to complement each other.

🌟 How investors are combining them

A common approach: keep the core portfolio in Maclear and allocate a portion to 8lends for higher yield and geographic diversification. Start small (100 USDC minimum) and scale as you get comfortable.

Any questions left? Reach out to @daniel_8lends.