Friday’s drop-in: how many Europeans do really have access to investments?

Despite investing being an optional and personal choice, the share of people involved affects the overall financial health of society.

Taking statistics, it reveals:

Europeans save, but these savings rarely flow into high-growth investments.

🌟 Any guesses why?

These are the top-3 reasons:

🌟 Fragmented, indirect, and limited stock market.

On average, direct stock holdings account for just 6% of households’ financial assets in the euro area.

🌟 Growing scale-up funding gap.

Successful startups choose seeking funds abroad rather than through Europeans channels.

🌟 Tight regulation and limited bank credit.

Even in real estate, which previously attracted more participants, has become less accessible due to credit constraints and regulatory barriers.

The factors mentioned above create a so-called hidden wealth gap — when people with access to investments gain much more than those without.

More on the topic and the role of P2P lending in addressing it, read on our Linkedln post.

🌟 €38 million is reached

Maclear’s steadily and surely getting closer to a €40M milestone.

That’s all thanks to you — your great contribution and strong belief in European P2P lending.

Stay tuned for more company updates and upcoming features — we’ll reveal them all really soon!

Sincerely,
The Maclear Team

Crypto Course overview: 2,500+ investors completed the course

Were you among them?

We’d love to hear back from you — feel free to fill out a simple form and leave any feedback you have in mind:

🌟 What you found most useful

🌟 What could be improved

🌟 Any topics you’d like see covered by our team of experts

🌟 How likely you are to recommend the course (0–10)

Your input helps us make the educational materials better for everyone.

OPEN THE FORM

Thank you!

To translate the form into your desired language, follow these steps:

1. Open the form webpage.
2. Use Safari (or any other browser) extension toolbar.

Update on Vibroedil project

Dear community,

We’re closely monitoring the situation and have seen each and every one of your comments.

Let us reassure you that everything is under Maclear’s control.

Finance-related issues are an inherent part of investing, and occasional risks can occur. We remain in constant contact with the Vibroedil CEO and are doing everything possible to resolve the matter quickly.

Here’s the current situation:

🌟 In total, €200,000 was provided to the borrower (€150,000 on Maclear and €50,000 on 8lends).

🌟 We expect the first payment to arrive soon, which will be used to close the project’s principal and distributed among investors.

🌟 Future interest payments are unlikely to be made. However, all interest already paid remains with investors, and the principal provided to the project in the form of a loan will be repaid in full (100%). Later, you can reinvest or withdraw the money.

🌟 Regarding the Maclear Provision Fund: the fund exists to cover temporary difficulties of a borrower. At this stage, full principal repayment is expected from the borrower.

🌟 In accordance with personal guarantees, the repayment comes directly from the owner’s personal funds, not Vibroedil’s assets.

We appreciate your patience and trust as we work through this situation, and we remain fully committed to protecting your investments.

Thank you for staying with us,
The Maclear Team

Maclear in numbers | 2025 August edition

🌟 We’ve seen your comments on making the Maclear platform more transparent — that’s our answer in numbers.

The Maclear team has just analyzed investors’ recent performance on the platform.

Here’s what we’re ready to present you:

🌟 Total invested in projects & total deposit in August

🌟 Top 3 investor countries

🌟 Top funded projects (with specific numbers)

🌟 Top industries you chose

🌟 Check all the data here

🌟 Why does Europe need P2P platforms and why it isn’t just a buzz?

Maclear’s CEO has taken a deeper look into the topic and shared fresh insights on his Linkedln blog.

He also referenced Christine Lagarde, President of the European Central Bank, who highlighted the top 4 key challenges influencing the European investment sector the most:

🌟 Low-yield deposits largely offered by European banks

🌟 Fragmented and costly retail investment landscape

🌟 Capital stuck within borders (closely tied to Europe’s fragmentation)

🌟 Underdeveloped venture capital ecosystem

Here, P2P lending comes as a game-changer 🌟 in terms of asset diversification, innovation support and higher rewards, which contributes both to investors‘ capital growth and European economic landscape.

🌟 Explore more right in the full post.

🌟 Feedback on Crypto Course

More than 2,500 investors have already taken the course — and we’d like to hear your thoughts.

Here’s a simple form with a list of questions for you to provide the answers.

Right in the form, you’ll find a question on other topics you’d like to see covered by Maclear — feel free to bring in any.

🌟 You can also share your feedback in any form you like: right in the comments section, by filling out the form, or by sending us an email.

This way, you’ll help us make extra materials better.

Fill out the form

Thank you in advance!

🌟 €40 million already funded

Thanks to your trust and support, we’ve reached a big step forward.

With this milestone, we’re expanding into new markets beyond Europe, and unlocking even more global investment opportunities for you.

This week, we’re launching a new consumer loan direction on Maclear — starting with Kenya 🇰🇪

Stay tuned, we’ll be sharing all the details really soon.

Sincerely,
The Maclear Team

🌟 New on Maclear: consumer loans in Africa

We’re kicking off with lucrative investment opportunities based in Kenya.

But first, here’s why Maclear is expanding into Africa:

🌟 We’ve been considering this strategic step for over a year to ensure it’s a safe and sustainable opportunity for our investors and the Maclear platform.

You can check on our trip to Africa last year to find out more about the region.

🌟 Africa is one of the fastest-growing regions for consumer lending, driven by rising demand, fintech innovation, and strong repayment discipline.

🌟 While Kenya, often called the “Silicon Savannah,” is the largest economy in East and Central Africa and attracted over $1 billion in startup investments in 2023.

🌟 Our first project is already live on the platform. It’s available to investors who have made at least one investment on Maclear.

We’re also preparing a comprehensive guide for you to diversify with confidence.

Stay tuned!