Maclear AG Official Channel [ENG]

🌟 3 ways to get help on Maclear, and when to use each

Recently we received a couple of questions about support options, so here's a quick rundown of what's available to you.

🌟 AI Assistant

You'll see it as soon as you land on the site (that orange button in the bottom-right corner).

It's trained on our knowledge base and can answer most questions about how the platform works. Type a specific question or just drop a keyword, and it'll suggest relevant topics. The best part: it's available around the clock, weekends included.

🌟 FAQ

If you prefer reading at your own pace, the FAQ has mini-articles organized by category: AutoInvest, Secondary Market, Bonus Offers, and more. About 90% of common questions are covered there. Available 24/7 too.

We're also updating it right now with new sections and better structure based on your feedback. Soon, we’ll share an update.

🌟 Support team

For anything more complex, you can reach our team via Telegram, or email. They'll dig into your case and loop in developers or other teams when needed.

Spotted a bug? Repayment issue? Dashboard acting weird? Write to them. They're available until 6 PM CET on business days.

• Email: support@maclear.ch
• John: @john_maclear
• Thomas: @thomas_maclear
• Wenzel: @wenzel_maclear

Plus, you can use the search in the Telegram chat. Type a keyword and chances are your question has already been answered. Saves you time.

🌟 One important reminder: our support team will never message you first on Telegram. If someone reaches out claiming to be Maclear support, don't engage.

We’re there to help — one message away.

🌟 Meet this A-scored new project

Compliance process

ICYGEN is a Bulgarian 🇧🇬technology company with 25+ years of experience 🌟

🌟 The company operates across two business lines: IT services and AI-powered climate solutions

🌟

Legal info:

Company name: ICYGEN LTD
Reg. No: 123503218
VAT No: BG123503218

In 2026–2027, ICYGEN is planning to scale its AI analytics line and is seeking a €950,000 loan to support this growth.

🌟 Check the slides above to learn more, and visit the platform to subscribe* for project updates.

🌟 How to subscribe: just click on the project tab (view project => subscribe). This feature allows you to be among the first to invest once the project goes live.

🔖 10 business books worth reading for investors in 2026

Editor’s picks

Recently Harvard Business Review updated their list of the best business books of all time. In total, 40 curated titles, combining classics, new releases, CEO memoirs.

We went through all of them to find 10 real gems that definitely won’t sit long on your shelves.

In our list, you’ll find out:

🌟 Why strong companies lose

🌟 Where growth failures actually come from

🌟 Why AI-native companies have different economies

🌟 What financial numbers don’t tell you

🌟 How to read capital allocation quality

And many more ideas that matter to today’s investment community.

🌟 Check it out in full on LinkedIn, add books to your reading list, and feel free to start reading right away — weekends are coming!

🌟 Your first investment on Maclear already comes with a bonus

Let’s break it down:

🌟 Welcome bonus

The moment you invest €50+ within 7 days of signing up, a €15 welcome bonus lands in your account.

🌟 Referral 3+3

Come in through a friend’s referral link and both of you get 3% cashback on every investment you make in your first 90 days.

🌟 Investment reward

Pick a project, and your money works twice. Invest over €500 in a single one and get €30 back for every €500 — up to €300 extra per invested sum on top of your fixed returns.

🌟 Loyalty bonus

Stay longer, earn more. As your total invested amount grows, so does your loyalty level: from +1.5% at Beta (€5,000+) to +3% at Alpha+ (€75,000+), added to your annual rate on every investment going forward.

🌟 EXTRA bonus points

They now pay out in real money. Every week, 2.5% of your bonus balance converts into 8LNDS tokens automatically. Hit “Claim” in your account, sell the tokens, withdraw to your wallet.

On 8lends the same journey plays out in crypto, with bigger numbers. 30 USDC welcome bonus, 6% on every investment in tokens, 6+6% referral rate.

0% fees on deposits and withdrawals. On both platforms.

Learn more:

• Maclear
• 8lends​​​​​​​​​​​​​​​​

🌟 How to use the Secondary Market on Maclear with maximum profit?

Many investors either skip the Secondary Market altogether or treat it as a last resort for desperate sellers. Both approaches miss the entire point.

🌟 The SM and the Primary Market serve different purposes.

🌟 Primary is where you earn: bonuses, cashback, referral rewards all live there.

🌟 Secondary is where you manage what you've already built.

Here's how to use it well:

1️⃣ Buy what’s already working

Loans on the SM come with repayment history you can review before committing. That's information primary market investors didn't have when they first funded the project.

Sellers can list at a discount of up to 50% of par value. For you as a buyer, that means a lower entry price on a project that's already proven itself.

2️⃣ Rebalance without waiting

You've got two or three shares in the same borrower and a new project just opened. You don't have to wait out the repayment timeline. List one position on the SM, exit the concentration, move the capital.

The listing runs 14 days. If it doesn't sell, it comes down automatically with no fee charged. The 2.5% seller fee only applies when the sale goes through.

3️⃣ Keep liquidity as an option

P2P lending locks capital for months. The SM doesn't fully solve that, but it changes the situation. If something comes up before maturity, you can list and exit. Speed depends on market activity, but you're not completely stuck.

One rule to remember: after buying a position on the SM, you can't relist it for 30 days.

🌟 Watch your loyalty level

SM purchases count toward your total portfolio volume, so buying can move you up a loyalty tier. Selling a large position can pull you below your current threshold. Before listing something significant, check where your level sits and whether the sale would affect it.

🌟 The SM doesn't replace the Primary Market. It makes your portfolio more flexible.

Learn more in FAQ

🌟 ECB finally made its call — key rates unchanged

On 19 March, the ECB Governing Council kept all three key rates unchanged at 2.00%.

🌟 The conflict in the Middle East is the main driver — energy prices are pushing inflation higher while dragging growth lower. With no resolution in sight, the situation is pretty unstable.

New ECB staff projections:

🌟 Headline inflation 2.6% in 2026 (was 1.9%)

🌟 GDP growth just 0.9% in 2026 (was 1.1%)

🌟 For European investors, this is a squeeze: borrowing costs stay high, real returns erode, and the uncertainty premium is growing. A so-called "higher-for-longer" rate environment with shrinking real returns.

In this very environment, shorter-duration, yield-focused instruments with predictable cash flows start to look different.

🌟 Read the full analysis on Medium

🌟 New project on Maclear

Compliance process

Meet Merchant LP, a UK-registered 🇬🇧 B2B trading and coordination company.

The company keeps its operational base in Estonia to facilitate cross-border activities.

🌟

Legal info:

Company name: Merchant LP
Country: United Kingdom (Scotland)
Reg. Number: SL018716
VAT Number: EE101814522 (Estonian VAT registration)

🌟 It also combines 3 roles under one legal umbrella, serving industrial, telecom, and medical clients.

Merchant’s 2026–2027 growth plan kicked off with a turnkey supply contract. Now, the company seeks a €1,100,000 loan to finance this opportunity.

🌟 Check the cards above and visit the platform to see more projects.

🌟 How does the crypto market influence your P2P returns? Is there even a connection?

Spoiler: we’re not talking about crypto-based P2P platforms like 8lends.

It usually happens so that investors on fiat-based platforms treat crypto as someone else’s business.

Fair enough, crypto is a different asset with a different risk profile. But crypto's unprecedented growth and the influence it's gaining across financial markets cannot be ignored anymore.

You've probably noticed that more and more things are being measured not just in currency, but in crypto. When Bitcoin is rising and the environment is relatively stable, other markets feel it too. When there are sharp swings, the ripple effect is twice as strong.

So how exactly does crypto affect your P2P returns?

🌟 Crypto cycles shift risk appetite, and risk appetite directly affects P2P demand and pricing.

🌟 Web3 is rebuilding the lending model from the protocol layer up.

🌟 Real-world asset tokenization is already here, and it’s reshaping the competitive environment around P2P.

🌟 Institutional capital is moving toward crypto too — they're choosing less volatile assets, but the capital is moving, and that changes the game for everyone.

And we haven’t even touched the numbers yet, which speak louder than any argument.

Ignoring what's happening in crypto = leaving money on the table. Especially, in the investment environment.

Read the full breakdown in the latest post from Maclear's CEO

🌟 Get to know the Goldbay project

A-scored, undergoing Compliance now

Goldbay is a Bulgarian 🇧🇬 company operating in the water-based leisure and active recreation sector.

Originally a small-scale, seasonal provider of water activities, Goldbay expanded in 2023 to deepen cooperation with hospitality-sector partners.

🌟 The company combines B2C water activities with B2B turnkey services, enhancing business flexibility and resilience.

🌟 Legal info:

Company name: Goldbay EOOD (Голдбей ЕООД)
Reg. Number: 206421079
VAT Number: BG206421079

Now, the company is scaling its turnkey operations and pursuing growth through two key projects in 2026–2027. To make it happen, Goldbay seeks a €500,000 loan.

🌟 Learn more in the slides above and visit the platform see open projects.