Ecosystem

Modular token issuance and distribution provide a stable ecosystem that meets the basic principles of classical crowdfunding and in many ways complements them:

• Investment protection

• Liquidity management

• Checking borrowers for creditworthiness

• Due Deal

• Collateralization

• High yield

• Collective investments

Co-investors (Backers)

At the start of the project, the 8LENDS token is not available for purchase, which means Bakers cannot appear. To build an 8LENDS position, future Bakers can co-invest in early loans from 25% to 75% of the fundraising amount.

Co-investors fill out a simplified KYC form and transfer USDC to a special early investment protocol. Next, the system calculates the allocation size for each participant and returns unused USDC to the owners’ wallets.

The total allocation size for co-investors decreases depending on the investment stage according to the following progression:

	Sum	Allocation	Min.sum
Stage 1	$100 000	75%	$5 000
Stage 2	$100 000	50%	$5 000
Stage 3	$100 000	25%	$5 000
Stage 4	$100 000	25%	$5 000

The queue sheet is filled out using the following form:

STAGE 1

Name	Wallet	Sum
NAME 1	Number 1	$5 000
NAME 2	Number 2	$50 000
NAME 3	Number 3	$15 000
NAME 4	Number 4	$10 000
NAME 5	Number 5	$25 000

Next, the system determines the minimum allocation and distributes shares depending on the deposited amount.

Co-investors can earn the first 8lends tokens and become project partners as Bakers before anyone else.