Maximizing returns often involves utilizing all available platform tools to your advantage. Beyond fixed interest rates, Maclear offers several incentives designed to increase your net yield.

Here is a summary of the tools to help your capital grow:

🌟 €15 welcome bonus to kick things off

Invest €50 or more within your first 7 days after registration, and €15 lands in your account automatically. Your very first investment already pays you back.

🌟 3% cashback referral bonus for 90 days

Join through a friend's referral link, or invite one yourself — both of you get 3% cashback on every investment made during the first 90 days.

💡 The more you invest in that 90-day window, the more you collect on top of your returns.

🌟 Up to €300 investment reward per project

To active this bonus, put from €500 to €5,000 in a single project and earn €30 back for every €500 invested.

💡 It’s up to €300 per project (€5,000 per project => €5,000 : €500 = 10 x €30 = €300), on top of your fixed annual return.

🌟 1.5%–3% loyalty bonus that grows with your portfolio

The longer you invest, the better your terms get: from +1.5% on Beta (total portfolio €5,000+) up to +3% on Alpha+ (€75,000+). Added automatically to every investment going forward.

🌟 Bonus points converted into real money

Every week, 2.5% of your bonus balance converts into 8LNDS tokens automatically. Hit "Claim", sell the tokens, withdraw to your wallet. Your bonus balance becomes liquid.

0% fees on deposits and withdrawals

Learn more on Maclear

🌟 We’ve just improved Instant Deposits feature — here’s a complete guide

Instant deposits are now available for all* investors.

Top up your Maclear account within 2 minutes 🌟 using your regular bank transfer.

With Instant Deposits, every investor gets a personal virtual IBAN — а dedicated EUR account permanently linked to your Maclear profile. Easy to get and use.

In this guide:

— Step-by-step setup instructions
— What to expect at each stage of approval
— Key requirements to ensure your transfer goes through smoothly

🌟 Check out the Instant Deposits guide

*Instant deposits are not available to investors based in the UK, in accordance with local banking requirements.

🌟 2024 full-year financial report | by Maclear AG

We've published our annual financial report for 2024, alongside the overview letter from our CFO explaining the numbers.

This report came later than planned. As our operations scaled, so did the complexity of the numbers. We brought in an auditor and changed our accountant during the same period.

In 2024, our team focused on platform development and expansion:

🌟 Loan portfolio grew 13x

🌟 Revenue grew 7x

🌟 Interest income grew 126x

🌟 Share capital grew 1.25x

All investor payments were made in full and on time. There were no defaults on issued loans.

The report covers the full picture — balance sheet, P&L, and notes. We recommend reading the CFO's letter first: it explains what's behind the figures and where the platform is heading.

As for 2025, the loan portfolio has already exceeded CHF 50 million, and we expect equity to turn positive by year-end.

The 2025 report will follow with an independent audit.

🌟 CFO's letter: https://www.maclear.ch/blog/a-message-to-maclear-investors

🌟 2024 Annual Report: https://www.maclear.ch/blog/annual-report-2024

We took the time to get it right. Thank you for your patience and understanding 🙏🏻

🌟 Maclear in numbers | May Highlights

May was another busy month for Maclear. We passed the €109M mark in total funds, saw steady growth in new investments, and kept all repayments strictly on schedule.

We’re happy to see so many of you growing with us!

Some key numbers:

🌟 €10,463,659 invested into projects across 7 countries

🌟 4,249 new investors on the platform

🌟 €7,534,535 in total deposits

The full picture is available in our May investor report. READ HERE🌟

🌟 A friendly reminder: our Advanced Crypto Course is open

Made by the Maclear & 8lends teams

We’ve already started receiving your feedback, and it’s great to see — thank you for sharing your progress and insights.

🌟 This course was built based on real questions from our community. Here’s what’s inside (briefly):

🌟 How to read blockchain data and follow real transaction flows

🌟 How yield, terms, and collateral work in practice

🌟 How deals are structured and how to assess them

🌟 How to approach crypto investing calmly, without FOMO

The format is simple and practical: short lessons, videos, and quick quizzes to help you retain what matters.

If you’ve already taken our first course — this is the perfect next step to go deeper and start applying what you’ve learned.

If not, we recommend starting with the basic course first, then moving on to Advanced — it will make the whole journey much clearer and more effective.

The bonuses are still there:

• Complete the course + invest 100 USDC → get 15 USDC

• New to 8lends? That’s up to 45 USDC total with the welcome bonus

If you haven’t started yet, this is a good moment to jump in.

🌟 ADVANCED CRYPTO COURSE

🌟 How we score projects and what drives the rate: Maclear’s logic behind

Every project on our platform receives a credit rating from AAA to D, similar in structure to the systems used by S&P, Moody’s, and Fitch.

🌟 This is the final overall rating after we assess all relevant risks.

Our rating framework is based on three dimensions:

🌟 Borrower’s financial health

🌟 Qualitative assessment of the business, management, and industry

🌟 Debt service capacity, including metrics such as DSCR and EBIT/Interest

These three layers help us understand how resilient the project may be over time.

🌟 The rating is an important factor in determining APR. Higher-rated projects typically receive a lower rate, though other factors also play a role.

Projects with a D rating do not pass due diligence and are not listed on the platform at all.

At the moment, we have no projects with a C rating on the platform, which shows how strictly we select projects.

APR is fixed for the entire fundraising period and does not change after you invest. In practice, the rate stays the same for the investor throughout the project’s collection period.

🌟 Another important factor is LTV (loan-to-value), meaning the ratio between the loan amount and the value of the collateral. The higher the LTV, the higher the potential APR — it is so because the risk is also higher.

🌟 And there is one more layer: bonuses such as referral rewards, loyalty rewards, and cashback. These are added on top of the base APR and can increase the effective return to 16.5% and sometimes even higher.

🌟 So in short: LTV affects the APR, and the APR is assigned annually and fixed. But the final rating is never based on one metric alone — it is the result of a full risk assessment.