Web 3.0 Crowdlending with 8lends

What is 8lends?

8lends is a decentralized crowdlending platform designed to bridge the gap between traditional lending and decentralized finance (DeFi). Our mission is to make lending and investing secure, transparent, and efficient for everyone.

But we didn’t start from scratch. 8lends is the Web3 evolution of Maclear AG, a Swiss-based business lending platform. With decent experience in finance, due diligence, and regulation, Maclear gave 8lends a strong, credible foundation.

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At its core, 8lends inherits:

• Financial Expertise: Best practices from traditional finance, integrated into a modern platform.
• Due Diligence & Risk Management: A robust 40-point verification system that ensures only credible, financially sound borrowers are onboarded.
• Swiss Financial Standards: Regulatory compliance with AML, KYC, and GDPR. Integrity and precision are non-negotiable.

Evolution from Web2 to Web3

Our journey from Maclear to 8lends is a real shift towards greater inclusivity by removing middlemen, cutting costs, and adding transparency using blockchain. Smart contracts power every transaction, providing efficiency and verifiability.

Our features now include:

• Asset-backed lending
• Investor-to-borrower direct transactions
• Blockchain-based audit trail
• Collective investment model

The Bigger Vision

The global P2P lending market is growing fast — from $230 billion in 2024 to a projected $900 billion by 2028. 8lends aims to capture 2% of the European crowdfunding market and expand into underserved regions like Africa and Latin America.

To support that vision, we are:

• Partnering with fintech & DeFi projects to grow liquidity.
• Scaling our infrastructure with AI-driven risk assessment and liquidity pools.
• Expanding to underbanked regions to boost financial inclusion.

How It Works: Step-by-Step

1. Borrower Verification
   • 40-point vetting: financial statements, operational history, market position, collateral appraisal.
   • Example: A retail business offers inventory as collateral. If verified, they can list a project.
2. Collateral-Based Lending
   • Loans are secured with real-world assets like machinery or warehouses.
   • Example: If a borrower defaults, the asset is liquidated to repay investors.
3. Investor Dashboard
   • Investors browse projects, review loan terms, collateral, and risk profile.
   • Example: A $50,000 logistics loan offers 15% APR over 12 months, secured by truck fleet.
4. Repayment
   • Regular payments are distributed to investors based on contribution.
   • In case of default, an insurance pool funded by USDC covers losses.

Key Benefits for Investors

• Real-World Asset Focus: Tangible collateral reduces volatility.
• Real-sector Projects: Agriculture, logistics, retail, and more.
• High APR: Lower costs through smart contracts mean better returns.
• Advanced Risk Management: Tools and vetting minimize exposure.
• Insurance Protection: A built-in safety net funded by platform resources.
• Bonus System: We’re giving your friends a 6%bonus on every investment, and you get 6% for the next 90 days

Success Metrics (so far)

• • €22.1M funded
  • 7,600+ investors
  • Up to 25% interest rate