Maclear AG Official Channel [ENG]

🌟 Fine-tune your notifications and be in control of your project updates

New feature is out

We’ve launched a new email subscription feature — so you can choose exactly what you want to hear about.

There are now three types of project communications:

1️⃣ Project Digest — a regular email with all projects in Open and Coming Soon status.

2️⃣ Project Announcements — updates about a specific project when it goes Coming Soon or Open.

These two types of emails are sent to everyone who has News subscription enabled in their profile.

If you prefer not to receive general updates, you can simply turn off News subscription.

3️⃣ Project-specific notifications (based on your individual project subscription)

You can subscribe to any project directly by clicking the 🔔 bell icon on the project page or in the project list.

If you’re subscribed, you’ll receive:

🌟 A notification when the project goes Open
🌟 A notification when a new stage begins

These emails are sent only to subscribers of that specific project.

You can manage your preferences anytime in your Personal Settings dashboard.

🌟Important: New deposit details

Dear community,

We’d like to clarify the update regarding our new GB account and the official letter you received yesterday.

First and foremost, please note that our email newsletter remains an official and fully reliable source of communication from us.

The newly announced GB account didn’t appear unexpectedly. In fact, we’ve already been using this account for over a month to process regular repayments to investors.

We understand that adjusting to new payment details may take time. For now, both the Narvi and GB accounts remain operational. However, we kindly ask you to use the updated details for all future transfers:

Receiver name: Maclear AG
IBAN: GB82SAPY60838240856399
SWIFT/BIC: SAPYGB2L
Payment details: Deposit to account No. [your account number]
Address: 24 King William Street, London, EC4R 9AT

Please double-check the payment details before transferring funds to ensure timely crediting to your account.

As always, our support team is here to assist you with any questions.

🌟 4 ways to boost your returns on Maclear

Your fixed returns already provide stability. Here’s how you can earn more:

🌟 Loyalty bonus

Earn up to +3% annually on top of your fixed returns.

The more you invest, the higher your loyalty level — and your bonus: from +1.5% at Beta level up to +3% at Alpha+ level.

🌟 Referral program

Invite a friend and both of you receive 3% of every investment they make in their first 90 days after registration.

On 8lends, the bonus doubles — receive 6% on your friends’ investments.

🌟 Investment reward

On Maclear: invest from €500 to €5,000 in one project and receive €30 for every €500 invested.

On 8lends: get a 6% bonus on every investment, paid in 8LNDS tokens with a 10-month vesting period, following a proof-of-loan structure.

🌟 Welcome bonuses

Maclear: make your first investment of €50+ within 7 days after registration and receive a €15 reward.

8lends: complete KYC and invest at least 100 USDC to receive 30 USDC credited to your account.

We also offer 0% deposit & withdrawal fees across both platforms.

Already investing on Maclear? Share your honest feedback on Trustpilot, Google Reviews, or Facebook. It helps other investors get to know our platform better!

🌟 Visit the platforms to learn more and boost your returns today:

• Maclear
• 8lends

🌟 The Rikart project is open — take a closer look

A new investment opportunity coming from Bulgaria 🇧🇬 in the commercial branding and outdoor advertising sector.

🌟 Legal info:

Full name: Rikart – MM EOOD
Reg. No: 204721633
VAT No: BG204721633

🌟 This opportunity supports a multi-location turnkey rebranding project for the Mazda dealer network in Bulgaria, covering design, production, and installation across several sites.

The company’s seeking a EUR 500,000 loan. Both to scale from smaller orders to contract-driven growth and to execute a confirmed.

🌟 Explore the project to learn more about the structure, key features, and returns.

🌟 New week — new milestone

€73,2M+ total funded to SMEs across Europe and beyond

€17,1M+ repaid in total to investors supporting these growing businesses

We’re just setting the tone for the week ahead with a new milestone and even greater news: more investment opportunities are coming — available both in the Open and Compliance Process tabs.

Stay tuned!

Sincerely,
The Maclear team

The real reasons P2P platforms die — insights from the Startup Graveyard

$586M burned. Six platforms gone. Average lifespan: 4.3 years.

We looked at six P2P platforms that ended up in the startup graveyard — including Money360, Direct Match, Cheddar, and others — and the patterns are hard to ignore.

The causes weren’t just “bad timing” or “poor go-to-market execution”. Most failures came down to:

🌟 underestimating regulation

🌟 fragile trust + liquidity loops

🌟 winner-take-most network effects

🌟 building a single product instead of a full ecosystem

The last point is the biggest issue. P2P lending doesn’t survive as a standalone feature — it needs an ecosystem around it. That’s exactly the approach we take at Maclear.

More on this:

🌟 why P2P platforms end up in the graveyard

🌟 why Maclear won’t be the next tombstone

🌟 January 2026 in numbers Maclear: a strong start to the year

Investor engagement remained high, with 2,200+ active participants driving €7.3M in investments across diverse projects — primarily in the Services sector.

🌟 €2.04M was returned to investors, supporting liquidity and reinvestment opportunities.

Dive into the full January report to explore the platform’s progress and trends.

Read the full report

🌟 New milestone is here

€71.4M+ total funded for SMEs all across Europe and beyond

€16.2M+ total repaid to investors supporting these projects

Every funded project and every repayment is part of a longer journey — thank you for being part of it!

🌟 We’ll keep focusing on what matters: clear processes, steady development, and systems that work over time.

That’s a great way to start the week, isn’t it? Head to the discussion section to celebrate this milestone together with Maclear.

Sincerely,
The Maclear team

🌟 Why investors are choosing fixed income in 2026? And how we approach volatility at Maclear & 8lends

Volatility didn’t start yesterday.

When stocks and bonds fell together in 2022, and crypto crashed 65%, it was clear that investors needed more than just diversification.

That’s when the real shift began.

Investors stopped chasing promises of higher returns and started valuing something far more powerful: predictable passive income.

By late 2024, active fixed-income ETFs attracted $344B in inflows, growing at 60%+ organically. Compare it with crypto, and the contrast was impossible to ignore.

Because certainty outperformed excitement.

But traditional fixed income has its own trade-off: stability comes with yield compression. The good news is that this gap is being rapidly closed with P2P lending, which is gaining momentum.

🌟 That's the approach we're building Maclear and 8lends around within one ecosystem: predictable cash flow, backed by collateral, and real economic impact through SME financing.

Read the full piece on Linkedln, written by Maclear's CFO

🌟 Maclear’s just reached €70 million in total funded

This round number is one more proof that we’re on the right path, consistently aligning our direction with your values and expectations.

Thank you for the trust you place in Maclear.

🌟 In case you’ve missed: you can still claim & sell 26% of your bonus tokens until January 31, 2026.

🌟 How RWA reshapes fintech, and where our approach fits in

To get ahead of one thing: we’re not talking about tokenization here. We mean real-world assets that directly back loans on our platforms.

Today, secured and asset-backed lending is growing at 22.7% annually, a clear sign that investors prioritize protection over higher returns. The market is adapting accordingly: 30–35% of European P2P volume is already collateral-backed.

🌟 This shift happens for a reason. Since the 2019 collapse of multiple P2P platforms, market participants have been moving toward predictability and stronger protection mechanisms to retain investors.

That’s where RWA becomes a powerful ally. Real-world assets strengthen capital protection and raise the bar for borrowers, securing the transaction process.

Importantly, RWA-backed lending doesn’t eliminate default risk. It smooths the outcomes. With real-world assets and enforceable guarantees, investor capital can be recovered.

The market shift defines our approach at Maclear and 8lends:

🌟 Every loan on our platforms is collateral-backed

🌟 We operate under stringent standards and thorough Due Diligence

🌟 Unlike many P2P platforms, we deliberately avoid fully automated underwriting — some projects spend over a month in compliance

🌟 We prioritize structure, jurisdiction, and non-marketplace approach over rapid growth

Both at Maclear and 8lends.

To further articulate our vision:

• What we really mean by RWA-backed loans

• How RWA is changing investing

• RWA and Web3: why the concept isn’t new

This is where we see the future of alternative lending.

🌟 €69+ million reached

Starting this week, we’re celebrating a major milestone: over 34,000 investors have now supported SMEs all across Europe, providing €69,3M+ in total funding.

Behind these numbers are real stories — entrepreneurs launching new products, businesses expanding into new markets, and communities benefiting from local economic growth.

Together, we're building a more connected financial landscape for Europe.

Thank you for being part of this journey. Here's to the next milestone!

🌟 Meanwhile, we’re working on the Crypto Course 2.0 — there’s still time to share your vision and help us shape it.

🌟 €14.5M returned to investors: breaking down the end-to-end cash flow cycle on Maclear

this post is definitely worth your attention

We often get this question from newcomers in chat: how does the cash flow works behind the scenes?

Here's the full journey — from your investment to European businesses and back👇🏻

🌟 It all starts with borrower selection

Only borrowers who pass our multi-stage verification get listed on Maclear.

While a project is still a review, you’ll see it in the “Compliance Process” tab, so you can plan ahead.

🌟 You choose your project

Browse open projects and pick what fits your strategy.

Minimum investment: €50.

Your funds move to "Reserved" status — earmarked for the project, but not yet transferred.

🌟 Funds are transferred

Once the target is reached and the borrower meets all conditions, funds are transferred. This takes up to 10 working days.

Status changes from "Reserved" to "Invested." You receive your Claim Assignment Agreement and Repayment Schedule.

🌟 Interest starts

Calculations begin only after funds actually reach the borrower.

🌟 Repayments flow back

Interest is paid monthly throughout the loan term. As the borrower repays, funds land directly in your Maclear account.

Then you decide: reinvest or withdraw.

🌟 What if a project doesn't reach its target?

Your reserved funds are released back to your available balance. No lock-up. No penalties.

Find more details in our FAQ

🌟 New project live on Maclear — meet Mihanagrotiki!

The project comes from Greece 🇬🇷 and aims to expand its activities by executing two major contracts.

Based on the island of Lesvos, Mihanagrotiki operates in the agricultural and livestock equipment sector, serving clients across Greece.

🌟 Legal info:

Company name: Mihanagrotiki I.K.E.
Reg. No: 131214242000
VAT No: 800592691

For 2026, the company is stepping up as a B2B integrator of agricultural and livestock solutions, moving beyond equipment trading.

What’s driving the opportunity:

🌟 Two turnkey livestock projects supported by signed LOIs

🌟 A solid recurring base business in olive and livestock value chains

🌟 Higher-margin integrated solutions and growing after-sales revenues

🌟 A lean operating model built for scalability

To deliver this next step, Mihanagrotiki is raising a €600,000 loan.

Tap here to invest