Intro
What is 8lends?
8lends is a decentralised, under-collateralised crowd-lending platform that fuses traditional credit know-how with on-chain transparency.
As a subsidiary of Maclear—a Swiss Web2 crowd-lending pioneer—8lends inherits decades of underwriting and due-diligence expertise while leveraging blockchain rails for efficiency, auditability, and global reach.
Why 8lends is Different
Challenge seen in earlier protocols: Goldfinch, Maple, TrueFi, Clearpool, Centrifuge and Atlendis
8lends’ solution
Crowd-sourced validation failed - anonymous voters lacked hard data.
Professional underwriting. All KYB and due diligence are handled in-house by Maclear’s credit desk — no anonymous backers or validators.
Backer stages under-funded - capital formation bottleneck.
Subordination Priority (Proof-of-Priority). Lenders self-select risk/return (High, Middle, Low) within a single pool by paying or farming $8lends.
Illiquid loan tokens discouraged mainstream lenders.
Liquid CT-tokens. Lenders receive transferable Confirmation Tokens, which can be traded peer-to-peer for an early exit.
How the Platform Works
Transparent, community-driven funding Vetted borrowers — from real-world sectors like agriculture, retail, logistics, and Web3 ventures — list financing needs. The global user base supplies capital directly; 8lends never lends from its own balance sheet.
Rigorous risk management Borrowers undergo a thorough verification process to assess financial health and credibility. This includes evaluating financial statements, credit history, operational viability, and collateral value.
Blockchain-native infrastructure Loan issuance, repayments, penalties, and reward calculations are executed on-chain — providing immutable audit trails and gas-efficient operations.
Subordination Priority in action In case of default, losses follow a waterfall structure: Low → Middle → High — mirroring traditional capital-stack logic.
Priority
Risk
Yield
$8LENDS Flow
High
Lowest
Lowest
Pay $8lends up-front to upgrade
Middle
Balanced
Standard
—
Low
Highest
Highest
Farm $8LENDS rewards
Liquid CT-Tokens Confirmation Tokens representing a lender’s position (principal + interest + penalties + collateral proceeds) are minted with each stage and can be traded peer-to-peer within the platform — providing liquidity well before maturity.
$8LENDS utility token The native $8lends token powers platform fees, priority upgrade auctions, and cashback incentives (Proof-of-Loan, Early Adopter, Reputation) — aligning users and projects around a shared ecosystem of growth and sustainability.
By linking fees, rewards, and risk-tier selection to $8LENDS, the token aligns incentives across borrowers, lenders, analysts, and the platform itself — creating a sustainable, growth-oriented lending marketplace.
Background
Traditional crowdlending relies heavily on banks and intermediaries — driving up fees, slowing processing, and excluding borrowers with non-standard credit profiles. Centralized risk assessments are often opaque and biased, leaving millions — especially in underbanked regions — without access to affordable capital. 8lends flips this model by moving underwriting, funding, and repayments on-chain. Our decentralized platform cuts out middlemen, reduces transaction costs by up to 20–30%, and delivers transparent, bias-free credit checks. Modular tokenomics — anchored by the native $8lends token — align incentives across borrowers, lenders, and analysts, while tradable CT-Tokens ensure liquidity. With faster, cheaper transactions and inclusive risk assessment, 8lends unlocks capital for small businesses and underserved individuals, creating a more efficient, equitable crowdlending ecosystem.
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