Personal financial report in one click!

From now on, you can access and download the complete history of every transaction you've ever made on 8lends. Filter your transactions by date, type, or currency, then download the full report in either PDF or Excel format.

Here's what you'll find inside 👇

🔘 Every transaction, including the date, amount, and blockchain transaction hash

🔘 A breakdown of transaction types, including investments, interest payments, and bonus payouts. You'll have a ready-to-use report that you can use when filing your tax return.

🔘 Conversion of every transaction from USDC into EUR, CHF, JPY, KRW, CNY, or CZK. All conversions are based on the historical exchange rate on the date of each transaction.

This is a ready-to-use document that you can hand over to your accountant or submit directly to the tax office.

🤩 Here's where to find it: My Investments → Filter → Download Report

Leave a reaction under this post so we know we're moving in the right direction!

16 months of 8lends! 🤩

Every third day of the month already feels like a red-letter day, right? Let's take a look at what we've achieved together in June 🤩

From June 1 to July 3:

🔘 Raised this month: $1,650,604
🔘 Total investors: 2196
🔘 Funded loans: $15,777,254
🔘 Loans repaid: $6,058,142

It's great to see our numbers keep growing because it means the businesses we fund are scaling without a problem, while you keep investing and receiving stable payouts.

🤩 Thank you for being part of it! That's why we run giveaways and challenges from time to time, so you can join in and receive more payouts from us!

🏆 For example, we're currently running our FIFA World Cup challenge. So, if you've been following it closely, you can place a bet with us and win some extra USDC.

If you're feeling thankful too, you can leave us a review on Google.

We'll share the monthly PDF report with you on Monday. Until then, have a great weekend!

🤩 Monthly report: June

As promised, we're sharing our June report in PDF format.

It takes time to put each one together, and a lot of work goes into it.

🤩 So if you like this new format, show us with your reactions under this post!

Imagine you've signed a contract, but the payment won't arrive for another 90 days.

At the same time, your business needs to start producing right away, so you don't miss the opportunity.

In this situation, most CEOs turn to banks for a loan.

❗️ The problem is that banks take their time. Reviewing and approving a loan application can easily take 60–90 days. On top of that, they'll usually require collateral worth 150–200% of the loan amount.

So what's the point of taking out a loan if your payment from the signed contract will arrive around the same time? And even after all that, the bank can still reject your application.

Big banks now approve fewer than 30% of small business loan applications under $250K — meaning more than 7 in 10 small business owners walk away rejected (Source).

🚩 This is where 8lends comes in.

We don't lend to businesses that don't know what they're doing. We work with experienced businesses that don't want to deal with banks.

✅ We audit the business, evaluate the collateral, and move much faster than traditional lenders.

That's why SMEs choose 8lends.

🏆 GUESS THE WINNER OF THE FIFA WORLD CUP 2026 SEMIFINALS & WIN $500!

We're opening bets on the semifinals:

🔘 2 winners × 500 USDC
🔘 Predictions are accepted from July 9 to July 13

🤩 One person can place a bet on only one team. So choose your winner carefully. You can't pick two or even four teams. Pick the one winner you're confident about.

We'll announce the winners of the quarterfinal stage on July 13.

Good luck, everyone!

✅ Waiting for 4 months might be exactly what you need.

Some investors may think: the shorter the loan term, the less I earn. But that's not true, especially today.

🤩 On 8lends, you earn 20% APR on loans with terms of 4–12 months. You know exactly where your money goes, which borrower is using it to grow their business, and when you'll receive your principal back.

At the same time, the world is changing fast. A lot can happen in just nine months. These days, things change almost every month, which is why short-term loans can be even more attractive than long-term ones.

💎 Short-term loans give you flexibility. You get your principal back sooner, and once you do, you can decide whether to reinvest it in the same business or reevaluate the market and invest in a different one.

On top of that, while your money is working for you, it's out of your reach. You won't open another trade, chase the next narrative, get scammed, or make emotional decisions.

While your money is locked up, you have time to step back, analyze the market, and make decisions with a clear head.

So, short-term loans give you both flexibility and returns.

THEY PREDICTED THE QUARTERFINAL WINNERS AND WON $250!

🏆 The winners are:

1. @defynrae with a bet on Argentina: https://x.com/defynrae/status/2074305488389595648
2. @kiararyz_ with a bet on Spain: https://x.com/kiararyz_/status/2074142856923734032
3. @KJushudrun with a bet on France: https://x.com/KJushudrun/status/2074210256176247008
4. @benalicia99 with a bet on England: https://x.com/benalicia99/status/2074564979718607063

How we chose the winners: One winner for each national team that advanced. Hardly anyone bet on England, so @benalicia99 won even though the post didn't get much attention.

Congrats! We'll contact the winners later from our X account.

And don't forget: we're also accepting bets on the semifinals until the end of this day!

🏆 How are you enjoying the FIFA World Cup so far? Are you happy with how your national team is doing?

🤩 Crypto lending is now in open beta!

We're finally beta-testing a crypto lending feature on our platform, so you can borrow stablecoins against your crypto without having to sell anything.

This feature is great if:

🔘 You don't want to sell your crypto but need money for a business expense. Instead of selling, you use your BTC as collateral, get a loan, and repay it later.

🔘 You need money now for medical bills, car repairs, or an unexpected expense during a bear market. Selling your crypto during a dip would be painful, so borrowing lets you access funds immediately.

🔘 You don't want to reduce your crypto position, but want to buy more during a bull market. Instead of selling, you can borrow stablecoins, buy more crypto, and repay the loan later after taking profits.

🔘 You know money is coming soon, but you need cash for a few weeks before it arrives. Borrowing against your crypto fits this situation perfectly.

🔘 You spotted a great trading opportunity. Just be careful not to borrow too much. Trading is always a risky business.

We hope the beta testing goes well, and we'll let you know once the feature is fully released.

If you've already tried it and have any feedback, send our support team a DM: @daniel_8lends @ceviz1389

This will automatically translate all our posts into your language!

And we'd love your help to make it happen.

🤩 To unlock it, we need to level up our Telegram channel to Level 3. This will help us break the language barrier and make our content accessible to everyone, no matter where you're from.

The more boosts you share, the better, but even one would help us a lot!

🤩 https://t.me/boost/eightlends

💲 PUT YOUR USDC TO WORK AND EARN YIELD!

Our new feature lets you generate yield on your profits. If you've earned interest from investing in real businesses on 8lends or made profits from successful trades, you can multiply those funds by lending them to other people:

🔘 Yield is variable and demand-driven — the more people borrow, the higher your yield.
🔘 Every loan is overcollateralized: borrowers lock up more BTC value than they borrow in USDC.
🔘 If the collateral value drops too low, the position is liquidated automatically (you get your money back first).
🔘 Everything runs through open smart contracts on Base, so you can verify every transaction.

⚖️ Protocol fee: 0%

We've already opened the BTC/USDC pool.

*We're still beta-testing the feature, so it's not available to everyone yet. But in a couple of days, we'll open crypto lending to all of you!

Come and see if you're one of the chosen ones 🤩

app.8lends.io/en

THEY PREDICTED THE SEMIFINAL WINNERS AND WON $500!

🏆 The winners are:

🥇 @Johnmighty__ with a bet on Spain: https://x.com/Johnmighty__/status/2075591035237933408
🥇 @nobisblue with a bet on Argentina: https://x.com/nobisblue/status/2076977768995151883

Congrats to the winners! We'll contact each of them later from our X account.

❗️ We're currently accepting bets on the Grand Final until July 18!

Let's enjoy the final days of this amazing World Cup together!

✨ Who protects your investments?

Whenever a business takes out a loan through 8lends, it secures that loan with collateral (equipment, vehicles, property, etc.).

🤩 But who holds it? Who verifies it? Who sells it in case of default? There's only one answer to all these questions: the collateral agent.

At 8lends, this role is handled by Maclear AG, our parent company. It holds all collateral on behalf of investors. Maclear is a member of SRO PolyReg and is authorized to act as a financial intermediary under the AMLA. It:

🔘 verifies the collateral before a deal appears on the platform
🔘 holds legal title to the collateral on behalf of investors
🔘 acts as the collection agent if the borrower defaults
🔘 sells the collateral and returns the recovered funds to investors

Without a collateral agent, the collateral itself wouldn't be nearly as valuable.

🇨🇭 On top of that, Switzerland has one of the strictest jurisdictions in the world, and Maclear AG has more experience in this field than 8lends.

So, your investments aren't backed by promises. They're backed by real collateral held by an experienced, regulated, and audited collateral agent.

🏆 Today is the Grand Final!

The FIFA World Cup is coming to an end, and we hope you're enjoying it just as much as our team is!

🤩 To celebrate the occasion, we're extending the time to place your bet until July 19! The only rule is that your prediction must be posted before the match kicks off.

So, if you have a favorite in today's match, you can support them by taking part in our FIFA World Cup Giveaway.

Share that winning moment with your team!

🏆 ¡Felicidades, España!

The FIFA World Cup 2026 is over, so as our giveaway! Our final winner is:

🤩 @k1ss3sx08 with a bet on Spain: https://x.com/k1ss3sx08/status/2077991591088882169

Thank you to everyone who took part in this event! We've learned a lot from it, so we'll make the rules for our future giveaways clearer.

Thanks, @FIFAWorldCup, for this amazing journey. It was awesome!

🤩 But our journey continues, and we'll be sharing some interesting news with all of you this week.

Stay tuned!

We answered your questions about MiCA

We've received a lot of questions about MiCA lately, so we decided to answer the most common ones in one place.

Here are the answers 👇

🔘 Question #1: Basically you (8lends) are saying that 8lends, as it is today, never needed to comply with MiCA regulations.
Why not state that weeks ago? Redeeming and selling tokens, the Limited buy of tokens also remain available?

✅ Yes. Under our current structure, 8lends isn't required to hold a MiCA authorization.

Users can continue to buy, sell, redeem, and use their tokens as usual. The only requirements are our standard KYC/AML checks and any local legal restrictions that may apply in a user's country.

If our products or services change in the future and MiCA becomes relevant to what we do, we'll adjust our structure and obtain any licenses that are required.

🔘 Question #2: Have you had your solution validated by a legal firm specializing in MiCA, and not just by your internal legal team?
If so, we would need a small piece of proof confirming this. If not, it would mean that your setup could be dismantled in a matter of seconds by ESMA or other local financial authorities, forcing you to shut down within days or weeks (a bit like Ventus Energy / BaFin, even if it is not the same issue).

✅ Yes. We've worked with external legal consultants who specialize in crypto regulation and MiCA. They reviewed our structure and our regulatory position.

Based on that review, we're confident that our current setup complies with the regulations that apply to us today. Where possible, we can also provide written confirmation that this external legal review was carried out.

We continue to monitor new regulations and update our legal framework whenever necessary.

🔘 Question #3: We understand that ECSP regulates euro crowdlending. But MiCA regulates any 'crypto-asset service' in the EU. If the loans, collateral, or returns pass through USDT, USDC, or any crypto at any point, which entity with a MiCA CASP license is the one that custodies, exchanges, or transfers those crypto-assets for EU clients?

✅ EU users may access 8lends where it is legally permitted, but that doesn't automatically mean 8lends provides MiCA-regulated crypto services in the EU.

Under our current structure, 8lends does not act as a MiCA-regulated CASP for EU users and does not provide custody, exchange, or transfer services in the EU.

Any interaction with crypto-assets takes place within our existing legal framework, including KYC/AML controls, jurisdictional restrictions, and the applicable provisions of MiCA.

As a result, no 8lends entity currently holds a MiCA CASP authorization because our current structure doesn't require one.

If our operations change in the future and a MiCA authorization becomes necessary, we'll either obtain the required authorization ourselves, work with a licensed provider, or limit the relevant functionality where needed.

🔘 Question #4: You say Alpha Systems LLC only provides software. So which legal entity then receives crypto from EU investors, converts it to fiat to pay the originator, and converts it back to pay interest? Does that entity hold a MiCA CASP license or a FINTRAC MSB license? Please provide the registration number.

✅ Alpha Systems LLC acts only as a technology and software provider. It does not receive, hold, exchange, or transfer user funds or crypto-assets.

Crypto-related payment processing and settlement are handled by CLEARCHAIN CORP, which is registered in Canada as a Money Services Business (MSB) with FINTRAC.

FINTRAC MSB Registration Number: C100001102

CLEARCHAIN CORP does not hold a MiCA CASP authorization because, under the current structure, it is not required to.

🔘 Question #5: Does the company hold any licenses or approvals under the MiCA framework in the European Union? Or does it plan to apply for such licenses/approvals in the future? Does the company have any regulatory approvals that can protect European investors?

✅ No. The company does not currently hold a MiCA CASP authorization in the European Union, and under our current model we are not required to have one.

That said, obtaining a CASP authorization is part of our long-term regulatory roadmap. The goal is not to solve a current requirement, but to support future expansion, broader services, and a stronger regulated framework for users.

The timing and jurisdiction of any application will depend on our stage of development and regulatory assessment at that time.

Until then, we continue to operate under our existing compliance framework, including KYC/AML procedures, jurisdictional restrictions, external legal review, and current regulatory registrations.

🔘 Question #6: What protection mechanisms are in place to safeguard investors’ funds in the event of insolvency of the platform or Alpha Systems LLC? Is there any separation between clients’ funds and the company’s operating capital?

✅ Yes. Alpha Systems LLC does not hold or control investor funds or crypto-assets.

Our legal and operational structure is designed to keep investor-related funds separate from the company's operating capital. Investor funds are not used to pay company expenses.

Investor-related transactions, balances, and flows are tracked separately through accounting, monitoring, and reconciliation procedures to ensure they remain distinct from company funds.

🔘 Question #7: What effective oversight does the Financial Services Authority of Saint Vincent and the Grenadines exercise over the activities of this platform? What real recourse would a European investor have to pursue in that jurisdiction in case of a dispute?

✅ The Financial Services Authority of Saint Vincent and the Grenadines has authority only within its legal scope.

Crypto-related payment processing is handled through CLEARCHAIN CORP in Canada, which is registered with FINTRAC as a Money Services Business.

The Canadian MSB framework includes AML and compliance obligations such as client identification, record keeping, transaction monitoring, and reporting.

Investor protections are supported through the platform's contractual framework and the regulated payment-processing structure used for the relevant transactions.

In case of a dispute, investors can use the platform's complaint procedure and pursue contractual remedies under the applicable terms. Matters related to payment processing, AML, or suspicious transactions may also be reported to the relevant Canadian authorities.

🔘 Question #8: Beyond regulatory considerations, I’d like to understand the platform’s contingency plans for situations where there’s a liquidity crunch (for example, simultaneous defaults on multiple projects, mass withdrawals by investors, or operational issues). Are there any mechanisms in place—such as reserves, backup funding sources, or prioritized withdrawal procedures—to ensure that investors can retrieve their capital under such circumstances, beyond what’s available through the secondary market, where prices are typically 10% lower?

✅ 8lends is not a demand-deposit product and does not guarantee instant withdrawals regardless of project performance.

Investor capital is allocated to specific projects, so liquidity depends on project repayments and, where applicable, demand on the secondary market.

We maintain contingency procedures for stress situations, including enhanced project monitoring, early identification of repayment issues, borrower communication, restructuring efforts, recovery actions, transaction reconciliation, and controlled processing of investor-related transactions.

We also maintain operational continuity procedures to ensure that investor balances, records, and project positions remain accurately tracked in the event of technical or payment-processing disruptions.

If multiple defaults or broader liquidity stress occur at the same time, we would manage the situation project by project, focusing on transparent communication, orderly recovery processes, and equal treatment of investors within the same project category.

If you still have any questions after reading this, drop them in the comments under this post.

How BlackRock is changing the market

On March 20, 2024, BlackRock launched the BUIDL fund—the first tokenized fund issued by the world's largest asset manager on a public blockchain.

It was the first clear signal that something is changing.

✨ Today, BUIDL manages over $2.2 billion in assets across six blockchains, making it one of the two largest tokenized U.S. Treasury products alongside Circle's USYC.

✨ The RWA market has already grown to over $31 billion, surpassing the total TVL of decentralized exchanges for the first time.

BlackRock CEO Larry Fink even compared tokenization to the early days of the internet:

Tokenization is at a stage similar to the internet in 1996, and while this technology is still in its formative stage, it has the potential to fundamentally reshape the way global markets operate.

But things aren't as good as they may seem at first glance.

BUIDL offers 3–5% APY, while the minimum investment is $5,000,000, making it available only to institutional investors.

🤩 We work a similar way by combining real-world assets, cash flow, and blockchain infrastructure. The difference is that the minimum investment starts at just 100 USDC, while the expected return ranges from 19 to 25% APR instead of 3–5% APY.

BlackRock leads the way. We make it accessible.

¡Un podcast para nuestros inversores en España!

We've just published our podcast entirely in Spanish! We discussed:

🔘 Why you don't have to choose between holding and living when crypto-backed lending exists;
🔘 How Bitcoin, Ethereum, and other major cryptocurrencies can be used as collateral depending on your risk profile and market conditions;
🔘 Whether the crypto market is becoming a structured financial system or remains speculative;
🔘 Where smart money is heading now;
🔘 Sectors and narratives the market is still underestimating;
🔘 The biggest risks for investors in 2026, inflation, Bitcoin vs. gold, the sustainability of the AI boom, and the most common investor mistakes.

Since Spain won the FIFA World Cup, why not celebrate with a podcast in Spanish?

¡Disfrútalo! 🤩

https://www.youtube.com/watch?v=6gw-YV5WSmw

How much can you earn with P2P lending in Europe in 2026?

Platforms usually offer 10–16% per annum, but the actual net return after defaults, fees, and taxes varies a lot. For a well-diversified portfolio across 3–4 MiFID II platforms, a realistic return would be around 8–12% per annum. The 14–16%+ yields offered by newer platforms are usually a risk premium that will sooner or later show up as higher defaults.

Let’s break down the math 👇

🔘 Variable 1. The gap between advertised and actual returns

European P2P/P2B platforms usually offer anywhere from 6.75% (Bondora Go & Grow) to 14–16% (high-risk, unlicensed platforms). The market average for MiFID II platforms is around 10–12%.

According to global market data, the average net return is around 6.5% per annum.

🔘 Variable 2. Defaults are the main killer of profitability

The global default rate for P2P/P2B loans is around 4.5%, although for European platforms it is significantly lower: 2–8%, depending on the loan type and platform quality. On American platforms, it has historically been higher, around 14–17%. Meanwhile, the recovery rate in the global market is 40–60%.

🔘 Variable 3. Platform fees

A 1% annual commission on a portfolio yielding 8% equals 12.5% of the total return earned each year. Over 10 years, this fee can cost tens of thousands of euros because of lost compounding.

Since May 2025, Mintos has charged 0.29% per annum for Custom Loan Portfolios. High-Yield Bond Portfolios will be charged 0.39% per annum from January 1, 2026. This isn't much, but it's a constant drag on your returns.

🔘 Variable 4. Taxes

Taxation of P2P income varies across EU countries. In Germany, it's 26.375% (Abgeltungsteuer + Solidaritätszuschlag) on investment income. In Portugal, it's 28% on interest. In Estonia, it's 22%, with the option to defer taxes through an investment account while the funds remain invested through ECSP platforms. An extreme case is Ireland, where the effective tax rate reaches 52%, and default losses are not deductible from interest income. For example, if an investor earned €1,000 in interest but lost €600 to defaults, taxes are still levied on the full €1,000. In a bad year, the effective tax rate on actual profits can exceed 100%.

With a high tax rate of 35%, a stated return of 15% turns into a net return of 5.85% after defaults and taxes. This is the worst-case tax scenario. For a European investor with a tax rate of 20–26% and the ability to offset default losses, the net return is higher.

So, the stated return is just one number. After defaults, it's usually 2–4 percentage points lower. Fees and cash drag reduce it by another 1–2 percentage points. After taxes, the final result depends on where you live: from 22% in Estonia to 52% in Ireland.

If you'd like a more detailed breakdown, read our full article on Medium:

medium.com/@8lends/how-much-can-you-earn-with-p2p-lending-in-europe-in-2026-2b393d449b81