I'm afraid to make the first step ❗️

And the reason isn't psychology — it's physiology. There's an amygdala in our brain that stops us from accepting new things. When we encounter a change, this part of our brain triggers a stress response (cortisol and adrenaline) before our conscious brain even realizes what's happening.

Basically, it's our subconscious reaction to new things. It means this is just our short-term survival reaction.

🤩 However, once we realize that some kind of new knowledge isn't threatening, we dive into it, learn it, and receive a positive reaction from the Ventral Tegmental Area (VTA) and Nucleus Accumbens — we get a small dopamine hit!

This is curiosity, the thrill of the "aha!" moment, and the urge to click the next episode.

Once we step over our short-term reaction and learn something new, we only benefit from it. But making this first step is actually difficult, and most people just can't do it — they decline any changes and stay conservative for their whole lives.

How to overcome this urge to reject new things? Just take a small step toward it, learn a bit, see how it works, and you'll beat this resistance.

🤩 For example, if you feel that starting to learn a new language is impossible and that you won't manage, give it a try. Learn a few new words along with one or two grammar structures. Once you take this small step, you'll get a dopamine hit, and your caution will fade away!

🤩 The same goes for 8lends. If you're afraid of investing in real businesses through our platform, take an easy step and learn how it works.

You can invest just 100 USDC to make this first step. You won't lose this money — you'll be able to walk away with it anyway.

🤩 So, the choice is yours: make the first step or keep restraining yourself.

🔈 This Week in Spaces

Welcome to a new week! We’ve prepared a packed lineup of live sessions — some we’ll host, others we’ll join as guests.

✨ In total: 8 Spaces with nearly 10 different guests.

We’ll discuss real yields, AI, on-chain investments, P2P lending, crypto, tokenization, RWAs, and more!

✖️ All announcements and links will be shared daily on our X account.

We’d love to see you in at least one session and will gladly answer your questions.

See you there!

Life in Debt

The average person in Europe spends 25-31 years paying off a mortgage. A car loan takes nearly 6 years. Debt of honor — never.

Most people work not for themselves, but for banks.
There are only two ways to interact with credit:

🤩 First, to be a borrower. Pay interest your whole life: on a phone, a car, a vacation, or a house.

🤩 Second, to be a lender. Earn interest while someone else uses your money.

Those who’ve already built wealth didn't borrow to consume. They borrowed to scale or launch businesses, and more often, they lend.

These are two sides of the same table.

P2B lending is a chance to look at things from another side of the table. There's no need to be a bank and have $100,000 to lend.

🤔 All you need is to make one simple decision: take a loan or give a loan.

✨ New feature: stablecoin loans secured by BTC and ETH

You'll soon be able to receive loans in USDC against your crypto.

Here’s how it works:

Provide crypto as collateral ▶️ receive USDC ▶️ use it ▶️ repay the loan ▶️ get your crypto back. That’s it.

This feature is perfect for:

🔘 Long-term holders who want to buy the dip without selling
🔘 Those who want to avoid triggering taxes
🔘 Anyone looking to enter a new position without closing an existing one
🔘 Users who need liquidity while their assets are locked in crypto

We're currently testing this and will share more details later.

What do you think about this update?

$11,000,000 FUNDED ON 8LENDS 🤩

As we said, 2026 is the year of expansion, so we’re aiming to grow faster than last year.

We’re already moving step by step, and you can see it not only in the numbers, but in our activity.

🤩 We’ve been adding more businesses to the platform, joining and hosting more Spaces, and staying more active on social media.

We’re doing all of this to bring you more opportunities to be part of our growth because we want you to scale together with us.

Let’s make this year stronger than the last one. Together!

😈 HOT SEAT IS SET FOR NEXT WEEK!

Thank you all for your applications! From what we’ve seen, you’re more than ready to torture us with questions 🤩

We’ve already set up the show. If you missed the concept, please read this post.

Everything you need to know:

🔘 Date: April 23rd, 15:00 CET
🔘 Idea: We start by asking selected participants 3–4 questions. Then they take over and question our team. We switch turns until we run out of questions.
🔘 Duration: 30-40 minutes

The main goal of the show is to have honest communication between you and our platform.

We’ll share the link next week, and we hope to see you there!

🤩 It’s going to be a hot one.

✨ How does 8lends grow so fast?

We've been growing remarkably quickly over the last year. Something has to stand behind such an expansion, right? And it does! After all, we're not a memecoin that surges for no reason and falls just as fast.

Let's break down 3 main reasons:

🔘 Maclear AG

Maclear is a Swiss P2B marketplace where SMEs offer individual investors the opportunity to fund their development, and this is our parent company. They have already funded €94.8M+, repaid €26.4M+, and gathered 34,000+ investors on the platform.

When we first launched 8lends, most of our first investors came directly from them, so they already knew the basics and had clear expectations of what we're like. That gave us a big boost at the very beginning.

🔘 We significantly invest in marketing

Moreover, we invest more than we earn!

When your goal is to become the biggest and most recognizable P2B platform in the Web2 and Web3 spaces, you start thinking on a vast scale. First you build, then you earn.

🔘 You

Recently, a large portion of our current investors came to us through referral links, and that's awesome! Your friend gets the opportunity to build a stable passive income, and you receive income as well.

Thank you for staying with us. In the future, you'll be able to say that you've been here at the very beginning!

If you didn’t expect such fast growth from us, you will earnestly be surprised by the end of the year 😉

🔈 Spaces This Week

Lately, we’ve been hosting and joining a lot of Spaces, but this week, we’re slowing things down a bit.

It won’t be packed with discussions, but we’re not leaving you empty-handed either!

📢 For example, tomorrow we’re hosting a Space with @ENI__Official at 13:00 UTC to talk about RWA. If you’d like to join, click the link.

✖️ We'll announce other upcoming talks on our official X account.

As always, we’ll be happy to see you there and answer any questions about the market or our platform.

Have a good one!

🤩 Maclear AG updated its Crypto courses!

The platform has been rebuilt to deliver a whole new learning experience, so you can get a kick out of learning!

Release notes:

✅ Progress tracking — monitor your activity and progress on the platform

✅ Cleaner, more intuitive interface — find everything you need in 2-3 clicks

✅ Wallet integration — connect your wallet and receive bonuses without extra steps

✅ Multilingual support — learn in your language. All images and videos are already translated into 9 languages (all translations are made by AI), so there’s no need for subtitles

✅ Built-in support — ask questions right during lessons without switching to external chats

On top of that, the second part of the crypto course is already there! Dive in once you’ve completed the first part.

All Maclear & 8lends courses are completely free.

✨ Explore the platform and be among the first to try it all out.

We’re looking forward to your feedback!

😈 HOT SEAT IS TOMORROW!

This is going to be an honest conversation between 8lends and investors.

They’ve prepared questions for us, and we’ve done the same. None of us know what questions are coming, and that’s the most exciting part of the show.

🤩 If you need a refresher, read this post.

🤩 The show starts tomorrow at 15:00 CET.

We’re waiting for you because it promises to be one of the best sessions we’ve hosted so far!

See you 😉

DeFi lending will never be the same again.

Just three years ago, people witnessed what’s now called the DeFi Summer. It refers to the explosive growth of DeFi protocols during the summer of 2020 (June-September). Now everyone is waiting for DeFi Summer 2.0, or at least an altseason, but it’s not happening. Why?

❗️ In reality, DeFi before 2023 wasn’t as good as people remember. It wasn’t just about explosive growth; it also meant anonymous pools, zero regulation, scams, and the constant hope that smart contracts wouldn’t get hacked. Many people made money during that period, but even more lost it.

And we should hope it doesn’t happen again. Because it’s time for the market to mature.

🔘 The total TVL in DeFi protocols at the beginning of 2026 is $130-140 billion.

🔘 The Real-World Asset (RWA) tokenization market has already surpassed $30 billion in total value as of early 2026, meaning large institutions are taking it seriously, and retail will follow sooner or later.

🔘 DeFi protocols accounted for 59.83% of the entire crypto lending market by Q2 2025.

So, do you understand how DeFi is maturing? Through RWA. The integration of corporate lending and real assets into on-chain systems gives the market what it lacked — real-world utility.

We’re not just following this trend — we’ve been building in this direction for a long time. We believe RWA lending will make DeFi more sustainable, helping people earn stable returns instead of losing everything in a week.

The market has been moving this way for years. We’re just pushing it forward.

You can now log in to 8lends with your email!

We know many of you have been waiting for this, and it’s finally here!

🤩 You can now sign up and log in using your email. No wallet connection needed to access the platform or create an account.

Your wallet is only required if you want to invest, which is exactly why you’re here, right? 😉

So, will you switch to email login or stick with your wallet? Tell us!

AI is not for you.

97% of people who use AI to build startups or improve their work won't succeed.

✨ Only the chosen ones will make money with AI.

Don't forget to subscribe, smash the like button, and comment so we'll keep making videos like this one.

📱 Click to watch

The data banks don't share.

Let's get straight to the point:

🔘 Fact #1. How much money do banks generate?

Global banking sector revenue after deducting risks reached a record $5.5 trillion in 2024. Net profit hit $1.2 trillion, which is an all-time high.

How did they generate so much? The margin between deposits and loans. You deposit at 2-3%, they lend at 8-15%, and keep the difference.

🔘 Fact #2. How many SMEs don't get funding?

Only 19.5% of SMEs were in loan negotiations in Q3 2025, the lowest since the end of 2023. Approval rates among the largest banks have fallen to just 13% in 2025.

Actual demand for capital is far higher than the stats suggest. It’s unprofitable for banks to work with small businesses, underwriting small amounts is expensive and risky.

🔘 Fact #3. What's the real value of a deposit?

Inflation in Europe in 2026 is around 2.6%. The average deposit interest rate is 1.77%. Real returns are close to zero or negative, taking into account taxes and fees.

🔘 Fact #4. How much money leaks through commissions?

The global payment fee market in 2025 is $2.5 trillion. The average return on capital for payment players is 18.9%, with some exceeding 100%.

This is the money businesses and individuals pay just to move funds from one point to another.

P2B lending doesn’t solve all these issues, but it cuts out the most expensive middleman — the bank.

🤩 On 8lends, the interest margin that banks would take goes to investors.

🤩 $8LNDS: From $0.001 to $0.028 in 5 months

That’s +1767% in just 5 months! Do you have any idea how we managed to achieve this? Actually, there's no secret, and you probably already know the answer. But let’s break it down.

💎 What's the secret?

As we said, there's none. The difference between us and 90% of DeFi tokens is we didn’t build a platform around a token. We added a token to a working and sustainable platform as a bonus.

Every new investor on our platform is a potential $8LNDS holder, but people who hold the token put their money to fund real businesses all around the world to help them scale, and receive the token as a bonus, so $8LNDS has real-world utility, unlike most crypto right now.

Its price isn't a reflection of expectations; this is its real value at a certain moment. It will neither pump if the Fed cuts rates, nor dump if they decide not to.

🤯 But the token hit its ATH 25 days ago...

Right. We're not able to predict short-term price movements.

But $8LNDS will reach a new ATH – it's just a matter of time. Because our platform keeps growing, we list more businesses, the number of investments grows every day, and each new day brings more investors to our platform, which is our core.

The token is a mirror of our platform, and you know what that means.

14 months of 8lends! 🤩

We keep moving toward our goals. This month wasn’t about skyrocketing results, but that’s how it should be.

Not every month or year has to be thrilling; these are the moments when you scale, knowing one thing: everything is going according to plan.

🔘 Raised this month: $1,772,200
🔘 Total investors: 1743
🔘 Funded loans: $11,947,237
🔘 Loans repaid: $3,482,333

What about your investments? Have you already reached this calm phase of stable growth, or are you still building toward it?

"Trust the process," they say.

🤩 $12,000,000 ON THE BOARD!

What better way to kick off the week than with a big achievement?

✨ $12,000,000 in total funded on 8lends!

As we’ve said before, the platform keeps growing because you keep investing in businesses that keep scaling worldwide, and this mechanism won't break because we're all eager to improve.

How are you starting this week? With a big achievement or slowly but surely?

🤩 Make 8lends better with your feedback

A few years ago, this wouldn’t have meant much. But nowadays, user feedback drives real and meaningful changes in products and platforms.

The same goes for you: your positive feedback motivates us to improve your experience with 8lends, and your criticism helps us see what’s missing and what we need to fix or add.

We’re grateful to everyone who has already shared their thoughts. Thanks to you, we’ve reached:

🌐 4.9 on Google

You are the ones who can make 8lends your dream platform with just 5-10 minutes of your time.

📢 Leave your mark on Google.