🌟 Over 13,000 investors already joined our crypto courses

Have you completed the Basic or Advanced course yet? Don’t forget to claim your bonus after completing either one.

We’d also love to hear what you think about our educational materials and what you’d like to see next on the platform.

Take our 2-minute survey and help us shape what’s coming next.

🌟 Share your feedback

🌟 ECB raised its key rates for the first time since 2023: what it means for P2P investors

Maclear’s CEO recently broke down the news and compared ECB rates with how P2P lending returns are calculated.

The result is a clear explanation of the difference between earning on bank deposits and earning on P2P loans, using four core concepts:

• Credit risk
• Liquidity risk
• Deposit guarantees
• Illiquidity premium

🌟 Consider this post a reminder that returns don’t come from nowhere. The higher the returns, the higher the risks behind them.

See the numbers behind comparison

🌟 Friday’s hot takes: why do investors burn out in 2026?

Stress has spread into every corner of life, and it’s now acting as a global decision-making lever — even in finance. When the stakes are high and decisions never stop, exhaustion and burnout follow.

Is this on the AI race, or on a brutal market forcing us to decide differently? Or does the real problem run deeper than either?

We decided to dig in and look at what’s actually happening in investing right now.

🌟 Read the article in full and do share your thoughts. It takes no more than 5 minutes.

🌟 New milestone: Maclear is steadily moving toward €150M

🌟 €140M+ — total funded to support SMEs across Europe and beyond

🌟 €48M+ — successfully repaid to investors

These weeks, our focus is on analyzing platform performance, wrapping up summer results, and reviewing requests from new borrowing projects — all part of our plan for gradual expansion and quality improvements across platform features.

Also, we’ve been getting questions from new investors about how AutoInvest works, so here's a reminder: we have a complete setup guide and FAQ covering all the key points.

Thank you for continuing to choose our platform.

Sincerely,
The Maclear Team

🌟 The illusion of zero risk, or what's scariest about inflation

In 2022, inflation in the Eurozone hit a record 10.6%. As of July 2026, it's still running at 2.9% — well above the ECB's 2% target.

Sharp spikes in inflation are easy to feel in your wallet. But what happens when the erosion is slower, more gradual? The risk becomes invisible. Your capital looks safe on the screen, but its purchasing power is shrinking.

🌟 The clearest example is when you keep money in a regular bank account. Your balance might grow over time, but in real terms, it's losing its value. Compare what €10,000 could buy a couple of years ago versus today — it buys noticeably less.

🌟 So why does knowing this not change behaviour? What does it actually mean to control your money? What financial behaviour patterns do people fall into? And what does “passive income” mean in 2026?

We unpack all of this in the new Maclear video on YouTube.

🌟 Welcome fall with bonuses that boost your portfolio

Planning your income is always more rewarding when it comes with perks — here's your list of ongoing bonuses to claim today.

🌟 Leaderboard perks

From Bronze to Platinum, each league unlocks its own set of benefits — €10 cashback, exclusive access to ACL projects, and 2% vouchers. Explore the full guide

🌟 3% cashback referral bonus

Whether you joined through a referral link or invited a friend yourself, make the most of it: both you and your referrer earn 3% cashback on every investment made within your first 90 days. The more referrals you bring in, the higher your rewards.

🌟 Up to €300 per project

Invest between €500 and €5,000 in a single project and earn a €30 bonus for every €500 invested — up to €300 per project, on top of your fixed annual return.

🌟 1.5%–3% loyalty bonus

The more you invest, the better your fixed rate: from +1.5% on Beta (€5,000+ portfolio) to +3% on Alpha+ (€75,000+). This bonus is applied automatically to every new investment.

🌟 Bonus points converted into money

Each week, 2.5% of your bonus balance automatically converts into 8LNDS tokens. Claim, sell, and withdraw — your bonus becomes liquid cash.

🌟 €15 welcome bonus

New to Maclear? Invest €50 or more within 7 days of registering and receive a €15 bonus automatically. Your first investment starts paying you back right away.

Maclear charges 0% fees on deposits or withdrawals.

See more in FAQ

🌟 Important: investor funds are never used to fund bonus activities. Bonuses are financed through other sources, including Maclear's marketing budget, project sponsors, and contributors who support the platform's development.