💎 We revealed everything about how 8lends works in one video!

In this video, we tell you about:

🔘 Where the APR we offer comes from, with clear math behind it
🔘 Real businesses we list on our platform
🔘 Two layers of security on 8lends: real collateral approved by Maclear AG and Buyback
🔘 What happens on the first 7, 20, and 30 days inside the app
🔘 All the bonuses we offer you, including $8LNDS and the referral program

📍You can also check all this information in this post.

🌐 If you already know everything, feel free to leave a review for us on Google.

This video is for everyone — whether you're an experienced investor, just starting to explore 8lends, or thinking about signing up for the first time.

📱 Click to watch it on YouTube

Generating $5,000 and living on $5,000 are two completely different things.

Let's imagine two people. Both earn $5,000 a month.

🔘 The first person spends all $5,000 living a good life — restaurants, gadgets, clothes, comfort. But by the end of the month, the account is back to $0 until payday. Ten years pass. Nothing really changes (in the best case).

🔘 The second person spends $3,500 and invests the remaining $1,500 every month. Ten years later, this person may not even need to work anymore because the invested money now works for them.

❗️ The difference is that the first person will keep working after 10 years, while the other will retire after 10 years.

Why do most of us understand this, but don't act on it?

Because most of us live here and now. $100 now seems more valuable than $300 in some vague future.

We always strive for fresh beginnings, for a new hobby and life, but... Not today. Maybe next week?

On top of that, some of us just don't want to invest if they can buy a brand new iPhone, PC, or some clothes. Even moving into investments might feel like a loss, even though it's not.

So people delay the life they actually want year after year until one day they wake up at 40, wondering where all the time went.

✅ One of the ways you could break this cycle is the first positive reinforcement from your own action.

Once you do something and see the results of your actions, it's the best feeling — it sets you on the hook, and this action becomes an important part of your life, transforming into a new positive habit or even a business.

🤩 That's why the minimum investment on 8lends is just 100 USDC. We want you to give it a try – you don’t need to spend all your money. Take that first step and earn your first return.

We rejected a company, and it's good for you.

A couple of weeks ago, we received an application from a building materials distributor from Eastern Europe. At first glance, everything looked just fine: six years in business, stable revenue, and agreements with major contractors. They needed €400,000 for warehouse expansion.

As always, we started due diligence, and that became the turning point for both us and them...

Here's what we found out 🤩

🔘 The revenue was real, but 70% of it came from a single client. If that client left, the business would instantly lose most of its cash flow.
🔘 Contracts existed, but there were no termination penalties. Legally, the client could walk away at any moment without consequences.
🔘 Warehouse equipment was offered as collateral. We checked the liquidity: the equipment was highly specialized and difficult to resell. In case of default, liquidation could take 12–18 months with a 40–50% discount.
🔘 Financial statements showed revenue growth, but margins had been shrinking for three consecutive years. In reality, the company was growing through dumping.

🤩 Solution: Rejection.

You'll never see such deals on our platform. Behind every business listed on our platform is a stack of rejected applications you never see.

❗️ And keep this in mind: More than 90% of businesses never even reach the audit stage. Before entering the review process, a company must pay for an audit itself, proving both serious intentions and confidence in its own transparency.

We reject more businesses than we approve. That’s one of the reasons 8lends has had no defaults and investors continue receiving stable monthly returns.

Pool quality isn't a coincidence. It's the work you don't see, but on which your earnings depend.

$8LNDS Heartbeat 🤩

📈 from $0.01882 to $0.01898 over the past week!

Liquidity: $876K
FDV: $1.8M
Market cap: $1.8M

🦅 Track on Dexscreener and follow us on 🪙 CoinMarketCap if you want more insights into both the token and the platform.

$8LNDS has been moving sideways for more than a month now, and that’s fine.

What do you think comes next: 📈 or 📉?

Don’t tell anyone what’s coming 🤫

We hope investing on 8lends already feels great! Because we're doing a lot to ensure that.

On top of that, we never stop building, so we've prepared some notes on what's coming soon. Let's look at that!

🔘 Secondary market

Right now, investments are locked until the loan term ends. We're well aware of this issue and are currently working on it.
The secondary market is a powerful tool that allows you to exit a position early by selling it to another user.

🔘 Crypto-backed loans

Today, we focus on funding real businesses. But in the future, we plan to launch crypto-backed loans for regular users.

You spot a market opportunity but don’t want to sell your current holdings. Instead of exiting your positions, you’ll be able to use your crypto as collateral and take a loan.

Would you use something like this? 😉

🔘 UX/UI fixes

We’re currently polishing the platform experience by improving the navigation across the platform and fixing some minor issues.

🔘 The first investment without KYC

One of the biggest onboarding barriers for new users is KYC.

That’s why we’re working on the possibility of allowing a first small investment before verification, so everyone will be able to see what's beneath the surface before diving in.

What do you think about these updates? 🤔

And what else would you like to see on 8lends that could improve your experience even further?

Why did 8lends choose USDC?

We've received this question a couple of times already, and it seems like many of you are genuinely interested in it. So, there's nothing really extraordinary about this choice 🤩

We know about EURC (a euro stablecoin from Circle), but we don't want to rush to add it to 8lends.

💲 USDC market cap is $76.87B, the volume is $13.21B. This stablecoin has survived several bear markets, crises, regulatory scrutiny, and has been operational since 2018.

🪙 EURC market cap is $451.24M, the volume is $46.16M. This stablecoin is still young and was launched only in 2022.

Yes, we agree that EURC has been doing really well so far. But we work with real money – your money – so we prefer safe plays. When it comes to 8lends, there's no room for experiments.

❗️ "But wait a minute. I'm from Europe, and I want Euro!"

We understand that. But before we answer, let's take a look at other numbers:

USDC is pegged 1:1 to the dollar, right? The euro and dollar have historically traded in a range of 1.05–1.15. The EUR/USD pair has experienced volatility of approximately 7–8% over the past year.

With a 20% annual yield, currency risk exists, but it's not critical over a one-year horizon. The yield outweighs the exchange rate difference even in a bad case.

🤔 So, are we planning to add EURC later?

Not yet. We're watching EURC closely, and even some other euro stablecoins. But we're only thinking of actually adding them to the platform when they grow big enough and prove themselves as reliable as USDC.

So we chose USDC because it is the most reliable choice among all stablecoins so far.

🤩 This man created $2 trillion and disappeared!

You sure know his name if you're into crypto — Satoshi Nakamoto! Or wait a minute... are you sure his name is Satoshi?

And his name might not be the biggest secret out there. There's something more.

We might witness one of the largest securities law violations in the whole history!

📱 Click to watch our new episode on YouTube

Tom Corley studied the rich and poor for five years, and the results will surprise you.

American financier Tom Corley, CPA and CFP, spent five years studying the daily habits of 233 wealthy people (177 of whom built their fortunes from scratch) and 128 people living in poverty.

👇 Here’s what he found out (the 2nd point is especially interesting):

🔘 How long does it take to become rich?

Corley identified two main paths. Those who saved and invested while working as employees reached an average net worth of $3.3 million in 32 years. Entrepreneurs who reinvested profits back into their businesses reached $7.4 million in 12 years.

🔘 Where do they spend their free time?

88% of millionaires spend at least 30 minutes daily on self-education, such as personal development or industry-specific books.

77% of low-income people spend more than an hour a day watching TV, scrolling social media, and consuming other forms of entertainment.

From a one-year perspective, that’s 180 hours of education versus 365 hours of entertainment. Now imagine the gap after 10 years.

🔘 Goals and immediate action

80% of millionaires set specific long-term goals and work toward them daily.

Corley identified a common trait among successful entrepreneurs: a “do it now” mindset. They don’t constantly postpone things. They take small steps toward big goals every single day.

🔘 Mentorship

93% of millionaires who had mentors attributed a significant part of their success to them.

✅ As a result, Corley came to this conclusion:

Wealth is built through daily decisions that most people refuse to make.

Reinvest instead of withdrawing. Learn instead of endlessly scrolling. Start building a skill or a business today. No desire? That’s exactly why it works, and exactly why so few people stay consistent for years.

How many years does it take to achieve your own goals?

What Do AAA to D Credit Ratings Mean? 🚩

Our main goal is to make your investments as safe as possible, so we never list businesses that won’t be able to repay you.

But even a profitable business with a clean audit can suddenly default. Strong cash flow management, transparent accounting, a diversified customer base, and conservative management are all difficult processes that must be monitored carefully.

That’s why, even though we carefully audit every business, we never ignore the possibility of default.

Every business on our platform receives a risk rating ranging from D (higher risk) to AAA (lower risk).

Here’s what we analyze before assigning a grade:

🔘 Financial Risk: total liabilities / TNW, funded debt / EBIT, and debt / equity

🔘 Qualitative Risk: business score, management score, and industry score

🔘 Coverage & Liquidity: debt service coverage ratio (DSCR), EBIT / interest, and current ratio

Every investment involves risk, and unlike 99% of crypto projects, we keep those risks transparent.

💎 If you want to dive deeper into how we assess businesses, read this article.

Everything you need to know about KYC 🛡

Not everyone loves this process, but it’s necessary for 8lends to operate as a legal and regulated platform.

Without KYC, we’d be operating in a “grey zone,” similar to platforms like Pumpfun, where users can launch and trade tokens without verification. And that often leads to:

❗️ Wash trading
❗️ Scam launching
❗️ Daily user losses, and more

We never wanted to become that kind of platform. That’s why we chose to operate transparently with a clear and simple KYC process.

And do you know who helps us make verification as smooth as it is?

🔗 Sumsub

They’re trusted by major brands like ByBit, Duolingo, Gate, Toyota, Hyundai, and many others. By 2021, they were already serving 600+ companies worldwide, growing 4x year over year! Today, verification rates reach 95% in the UK, with onboarding taking less than 50 seconds.

Thanks to this, we can provide transparent, regulated, and reliable investment solutions designed to help you build a stable source of passive income.

🤩 Thanks to KYC, you can sleep better and worry less about your money.

🔈 Our first YouTube stream with CryptoSavingExpert!

📢 Today at 18:00 CET

We’ll be discussing Web3, DeFi, P2P and P2B lending, investing, and how finance changes during times of crisis!

😉 “Chaos is a ladder,” they say.

Smart money understands this very well, and often makes the most money when everyone else is panicking. But how exactly?

We're breaking it down today on YouTube. Come and join us! 🤩

www.youtube.com/live/3pWqBMo_bhY

Our mind doesn’t make financial decisions, but our brain does.

We’ve all been in stressful situations where we understood exactly what to do, but still did the opposite.

For example, if you’ve ever traded crypto or stocks, you probably know how hard it is to exit a position when you clearly see the price moving against you.

You see the loss. You know you should sell to save the rest of your money. But you just can’t do it.

Why does this happen? 🤩

🔘 Loss > profit

Kahneman and Tversky found out that people experience losses 2-2.5 times more intensely than similar profits. That’s why selling at a loss feels so painful. Emotionally, the brain treats losses much more seriously than potential gains.

🔘 FOMO

Around 68% of crypto investment decisions are made under the influence of FOMO and predictions on X/Twitter.

That’s one of the main reasons why so many people lose money in this market every day.

🔘 You look for confirmation

This is called confirmation bias.

The brain naturally notices information that supports the decision we’ve already made. For example, if someone buys a token, they’ll focus mostly on bullish opinions and ignore bearish ones.

How to train your financial awareness

✅ The 24-hour rule

Any unplanned financial decision should be postponed for 24 hours. During this time, emotion loses its power, so you can see things more clearly.

✅ Financial diary

Write down not only what you bought or sold, but also why you did it. After a month or two, you’ll begin to understand your behavior and decision-making patterns much better.

✅ Three questions

Before buying anything, ask yourself:

• Am I acting out of fear or calculation?
• What will change in a year if I don’t do this?
• Do I genuinely want this, or do I feel pressured to buy it?

✅ Take breaks from social media

News channels and crypto chats are designed to make us feel a certain way. The less you consume, the better you understand what you actually want.

🤩 By the way, you can also try completing our Winter Marathon with 8 steps inside it. This will help you make better financial decisions.

🥇 Why did we create our own liquidity pool for $8LNDS?

When launching a token on a DEX, there are several interesting ways to approach liquidity.

We decided to create the liquidity pool ourselves. Here's why 🤩

🔘 By providing significant liquidity from the start, we reduced slippage. Because of this, it's much harder to move the price with a single trade.

🔘 Investors who receive $8LNDS through Proof of Loan (PoL) should be able to trade immediately. They shouldn't have to wait weeks for someone else to create a pool. That's a key requirement for real utility.

🔘 The team invested its own capital and accepted the same market risks as investors. So, we're in the same boat as you.

🔘 A real market price can only exist with real liquidity. Without a liquidity pool, $8LNDS would remain an abstract unit of account, which would undermine the purpose of PoL and the entire rewards system.

Uniswap, Aave, Curve, and Maple all provided initial liquidity for their native tokens. This is a foundational standard for a viable Web3 project.

🤩 $8LNDS contract on Base: 0x55f9c8992fc4abce5aca585bf8f18284a2379d4c
🤩 Pool on Uniswap: 0x241De8C5B58830B8046830b05031786795d5Cba8

All transactions are transparent. Check them on basescan.org.

YOU CAN FINALLY INVEST WITHOUT KYC!

A lot of our investors asked for this, and we’re delivering!

The limit is up to 500 USDC

Important: we verify whether your crypto is clean and legal.

If the funds are connected to black market activity or other dirty schemes, your USDC will be returned and the investment will be rejected.

If everything is clean, you’ll be able to invest with no issues.

🤩 Come and try it

15 months of 8lends! 🤩

Another month another reason to talk about numbers instead of words 🤩

From May 1 to May 31:

🔘 Raised this month: $2,076,897
🔘 Total investors: 1944
🔘 Funded loans: $14,126,650
🔘 Loans repaid: $4,854,417

We're growing faster every month, and that's all thanks to you! +201 new investors, +$2M in funds raised, and +$1.3M returned to investors already using the platform.

The 8lends team continues to do its job: selecting strong projects, monitoring every deal, and maintaining high standards for the quality of the pool.

💎 We've prepared our first-ever detailed report for May, featuring all the data, figures, and key metrics. We haven't tried such a detailed format before, but from now on, this will be the new standard. We've been working on your requests, among other things.

We'll send you the report tomorrow (it's almost finished).

🤩 In the meantime, please leave a reaction and show your support — it motivates us to keep making the platform better!

💎 As promised, we're attaching a presentation with all our achievements from the past month.

This is a new type of monthly report for us, and we hope you'll like it.

🤩 If you do, please leave a reaction or a comment under this post.

Thank you!

YOU NEVER THOUGHT ABOUT IT.

But you certainly felt it somehow.

Because this part of our lives affects everything, from our mood to our success, trades, and investments.

Let's talk about it 🤩

https://www.youtube.com/watch?v=7X3Rg613WoE

❗️ Beware of scams!

Recently, fraudsters have been actively copying our social media accounts and Telegram chats. This means two things: our platform is worth copying (good), but there's also a risk that people could lose money to scammers (bad).

So, we've put together the most important tips to help protect you from scams on Telegram and beyond.

Key rules to remember 🤩

🔘 We will never add you to our investor chat ourselves. You can only join it through our official link. If someone adds you to a Maclear or 8lends investor chat, leave immediately and report it.

🔘 We will never message or call you first. If someone claims to be from support and contacts you out of the blue, it's a scam.

🔘 Always verify the identity of anyone you communicate with. If someone reaches out to you, don't hesitate to ask for proof.

🤩 Our only official Telegram channels are: @eightlends, @eightlends_chat

Our only official supports:

✨ @daniel_8lends
✨ @ceviz1389
✨ @henry_8lends

www.youtube.com/watch?v=LxoB-ldR-Jo

🤩 We've burned 69,537,916 $8LNDS so far

🔷 Verify on BaseScan

At the same time, the total supply remains capped at 100,000,000 $8LNDS, and it will never exceed that amount.

Let's break down how it works 🤩

🔘 You receive $8LNDS through the Proof of Loan (PoL) program.

🔘 If you sell your tokens, the Reward System buys them back and burns them permanently, reducing the circulating supply.

🔘 When new rewards need to be distributed, the protocol mints only the number of tokens required to keep the system running within the 100M cap.

So, the goal of the mint-and-burn mechanism is to maintain a balance while keeping the total supply capped at 100,000,000 $8LNDS.

📈 When demand is high ▶️ the protocol can mint additional tokens for rewards, as long as the total supply remains below the 100M cap.

📉 When selling is heavy ▶️ tokens are burned, reducing the circulating supply.

This helps balance the ecosystem while keeping the maximum supply fixed.

So, how do you feel after this information? Are you holding or selling? 🤩

🤩 Complete Maclear's free crypto courses and receive USDC!

Wisdom is not a product of schooling but of the lifelong attempt to acquire it. — Albert Einstein

No matter how much you know about something, there's always room to grow!

That's why Maclear AG gives you the opportunity to learn more about crypto and earn some USDC along the way. Just by completing the course, you can receive:

🔘 15 USDC if you received the Welcome Bonus
🔘 45 USDC if you didn't receive the Welcome Bonus

There are currently two parts of the crypto course available, and they'll be useful for both experienced crypto investors and complete beginners.

If you'd like to learn more, read the official post from Maclear AG.

🤩 Click here to start the course.

Tax administration: We see your crypto income 👀

Blockchain is public. Starting in 2026, the DAC8 directive requires crypto exchanges to share user transaction data with tax authorities.

🤩 So if you're using centralized exchanges, there's a good chance tax authorities already know about a significant part of your crypto transactions.

But keeping your crypto taxes organized isn't that difficult, especially if you use the right tool for it.

🤩 We recommend Blockpit. It supports the tax laws of over 100 countries and integrates directly with the Base blockchain—the very network that powers 8lends.

How to try it out?

🔘 Register on blockpit.io
🔘 Click "+ Integration" → select Base from the list
🔘 Enter your wallet address — Blockpit automatically pulls in all transactions
🔘 The system automatically classifies each transaction: interest income, token sales, gas fees
🔘 Generate a ready-to-file tax report compliant with your country's laws — in PDF format, ready for submission

Importing and reviewing your data is free. You only pay if you decide to generate the final report.

❗️ Important: Interest earned on loans through 8lends is generally treated as taxable income in many countries. Tax rules vary by jurisdiction, but Blockpit automatically calculates and categorizes transactions based on local requirements.

How do you handle crypto taxes in your country?

Leave 💜 if you'd give Blockpit a try!