Basic Model (USDC Only) — For Companies

This is the most straightforward way to get funded through 8lends.

You receive USDC directly from investors — no tokens, no secondary market, no extra layers. Just the amount, the interest, and the deadline. Simple and clear.

You borrow at an agreed rate and return the full amount plus interest at the end of the term. The platform helps manage the process, but we don’t issue CT tokens or use smart contracts for repayments.

It’s the least technical option — a good fit if you just want to raise money and keep things simple.

But it’s important to know what you’re giving up by choosing this model:

No cashback in $8LENDS tokens (via Proof of Reputation). No on-chain reputation as a borrower. No flexibility with tranches or follow-up pools. No visible track record on the blockchain for future investors. No access to the CT-token secondary market — where investors can join or exit mid-term.

So what do you get with the token model instead?

– Every step, from application to repayment, is recorded on-chain. – You earn $8LENDS rewards for transparency and reliability. – Your loan becomes a tradable asset on the secondary market. – Your performance builds a public credit history for future rounds.

Both models are solid. But if you’re thinking long-term — growing your company, building trust, and joining the Web3 space — the tokenized path opens up more opportunities.

Pick the option that fits your goals.