🌟 New here? This is the perfect post to start with!

Together with 8lends, we’ve gathered all the essentials in one place — everything you need to understand the ecosystem, start investing, and explore our tools with confidence.

MACLEAR

🌟 How it all started

🌟 Who stands behind

🌟 Maclear bonus program

🌟 Extra bonus points

🌟 AutoInvest manual

🌟 Consumer loans guide

🌟 2025 whitepaper

8LENDS

🌟 Step-by-step guide on 8lends

🌟 Roadmap

🌟 For beginners

🌟 Story behind

🌟 8lends review

🌟 Bonuses

🌟 KYC

🌟 RWA

🌟 8lends Edu

🌟 User guide

🌟 Tokens 8LNDS

🌟 European crypto tax declaration guide

EXTRA

🌟 P2P lending guidelines

🌟 Free Web3 course

🌟 Investor behavior trends 2025

🌟 Vibroedil bankruptcy case

Also, you’re very welcome to share your thoughts in our investor preferences survey — just follow the link. We promise, it won’t take you long.

Any questions left? Feel free to ask them in the comments 👇🏻

New milestone unlocked — we did it, together 🌟

Maclear has officially reached €57M in total funding!

This achievement celebrates our growing community of investors and borrowers who believe in smarter, simpler, and more accessible P2P lending across Europe.

Here’s to more opportunities and shared success ahead!

Sincerely,
The Maclear Team

Maclear & 8lends: how to combine them in one portfolio

On the way toward a strategy that works

Not long ago, we ran a survey — and many of you shared that you already combine Maclear with 8lends to strengthen your portfolios and expand your exposure to new opportunities. So let’s break down why this approach works so well.

🌟 Why 8lends exists

Maclear delivers stable, euro-denominated business loans.

8lends adds a crypto P2P lending layer with higher-yield potential and broader diversification.

They’re not replacements for each other — they’re complementary.

🌟 How they work together

🌟 Maclear: euro-based, predictable returns, stringent investment standards

🌟 8lends: crypto P2P lending, higher yield potential, same rigorous approach, monitored by Maclear

Maclear and 8lends are designed to work side by side within one ecosystem — giving you more flexibility, more choice, and the potential for stronger, more diversified returns, all while keeping transparency and risk control at the center.

If you’re just exploring 8lends, start small to test the waters. You’ll quickly see how it complements your Maclear portfolio and decide whether it’s the right fit for your strategy.

🌟 Here’s the post to help you get started with the combined Maclear–8lends approach.

For investors already taking a combined approach: what results or insights can you share?

🌟 Maclear in numbers | November edition

As we’re getting closer to the end of the year, it’s time to take at look at both our monthly performance and overall yearly progress.

Here’s what November looked like, helping you track progress and plan your investments for December:

• Total track record
• Deposits & investments in November
• Repaid loans

Read the report in full on Telegraph.

Is P2P lending a good fit for Europe’s macroeconomic cycle?

In short, yes.

🌟 P2P lending is steadily gaining traction among both borrowers and investors (including institutional ones), and step by step, it’s starting to have a real macro-level impact.

But here’s the nuance: P2P lending won’t reshape Europe on its own. It’s one of the mechanisms that in the right hands can make a meaningful difference.

At the macro level, P2P lending is already contributing to four key shifts:

🌟 Faster SME growth thanks to alternative, more accessible credit.

🌟 Healthier competition, pushing banks to price credit more efficiently.

🌟 A new transmission channel through which monetary policy reaches businesses.

🌟 A more resilient financial system, diversified beyond traditional banks.

This perspective comes from Aleksandr Lang, Maclear’s CFO.

Read the full analysis on LinkedIn.

🌟 Tell us how we can improve your platform experience

3-min survey

We've recently noticed several valuable insights and preferences regarding the UX of our platform.

Your experience matters deeply to us, and we want to ensure that every interaction you have with Maclear feels intuitive, reliable, and aligned with your expectations.

🌟 To help us prioritize improvements and refine the user journey, we’ve prepared a short survey. Your feedback will directly shape the next steps in our product and UX development.

🌟 The form is created for your convenience and to make sure we don’t miss anything that matters to you.

The survey is fully anonymous and takes just a few minutes.

🔗 CLICK HERE

Thank you for helping us build a smoother and stronger Maclear experience.

— The Maclear Team

🌟 We’ve rolled out Maclear’s Statistics dashboard

Great news! Now you can explore platform’s month-by-month growth from the very beginning.

What’s inside:

🌟 Total deposit growth

🌟 Investments made

🌟 Repayments received by investors

🌟 Geography of projects, investors, and industries

🌟 Number of projects & investors

Month by month, you can track Maclear’s evolution and see the real numbers behind the platform.

The dashboard is updated every month.

🌟 How to find it on the platform: main page => click “About” at the top => choose “Statistics”

CHECK IT OUT HERE

🌟 Just one million away from €60M

With this very headline, we’re celebrating a new milestone — €59M total funded on Maclear.

Thank you for staying with us along the way!

P. S. New projects & platform’s updates are coming really soon — stay tuned 🔜

Best regards,
The Maclear team

🌟 Earn more with Maclear: 3 ways to boost your returns

Maclear gives every investor three layers of rewards designed to amplify your earning potential: loyalty, referrals, and engagement.

🌟 Loyalty bonus

Strengthen your portfolio with long-term rewards.

Earn up to +3% annually added to your fixed returns on all future investments.

Your loyalty level grows with your total invested amount:

🌟 €5,000 => +1.5% (Beta)
🌟 €15,000 => +2% (Beta+)
🌟 €40,000 => +2.5% (Alpha)
🌟 €75,000 => +3% (Alpha+)

🌟 Maclear 3+3 referral program

Invite a friend and both of you receive 3% of every investment they make during the first 90 days after registration.

💡 Tip: if your referral invests €10,000, you both earn €300.

🌟 Investment reward

Boost every investment you make.

Invest from €500 to €5,000 in a single project and get €30 for every €500 invested.

💡 Tip: you can earn up to €300 per project.

🌟 EXTRA REWARDS 🌟

🌟 Welcome bonus on Maclear

Make your first investment of €50+ within 7 days after registering and get a €15 welcome reward.

🌟 Welcome bonus on 8lends

Pass KYC and invest a minimum of 100 USDC — you’ll be credited with 30 USDC.

Deposits & withdrawals: 0% fee.

Find more details here

🌟 Crucial milestone unlocked — €60 million funded!

One more million funded in just a week

That’s a remarkable achievement made possible by your continued trust and support.

Approaching the end of 2025, we’ve managed to help around a thousand of SMEs across Europe and beyond.

26,450 investors have already contributed to bridging the funding gap for businesses across the region. While Maclear has repaid over €12.6M to investors.

🌟 You can explore the latest data (as of November) and monthly progress on the Maclear Statistics Dashboard.

Thank you for being part of this journey — let’s keep shaping the future of P2P investing in Europe, side by side.

🇪🇺 Maclear’s forecast: SME financing in Europe in 2026

Why isn’t the credit gap closing?

As Europe moves toward 2026, one issue remains structural: access to credit for SMEs.

Key takeaways:

🌟 The SME bank-financing gap is nearing €400bn

🌟 73% of economists expect ECB rates to stay unchanged until at least mid-2026

🌟 Bank lending remains cautious due to regulation, risk models, and capital constraints

🌟 SMEs increasingly struggle with short-term and seasonal liquidity needs

While traditional banks stay selective, demand for external capital is rising. What covers this need most is alternative financing, including P2P lending, which offers faster, cash-flow-backed solutions tied to real economic activity.

💡 For investors, falling deposit rates and ongoing market volatility are accelerating the shift toward:

🌟 EUR-denominated instruments

🌟 Short-duration private credit, predictable

🌟 Real-economy yield.

🌟 Read the full analysis on Medium.

Follow Maclear on Medium for more data-driven insights into private credit and alternative investing.

🌟 European economic outlook 2026: what Mastercard is telling investors

In 2026, Europe’s economy will be shaped by three dominant forces:

1️⃣Tariff realignment reshaping trade routes and price dynamics.

2️⃣AI adoption boosting productivity, but unevenly.

3️⃣Fiscal expansion, led by Germany, offsetting tighter monetary conditions.

It’s not a single, unified growth story. It’s rather about greater unevenness and selectivity.

Let’s break it down ⬇️

🌟 Tafiffs as a tailwind in Europe

U.S. tariffs have redirected Chinese e-commerce toward Europe.

Impact:
• Lower import prices
• Disinflation in Europe
• More room for accommodative monetary policy

🌟 Eurozone: pretty stable

• GDP growth: 1.2% in 2026
• Inflation: 1.8%, below ECB target
• ECB policy: rates likely held near 2%

Lower inflation, easing financial conditions, and resilient labor markets continue to support domestic demand.

🌟 Fiscal policy is the main divider

Germany stands apart:
• €1 trillion in infrastructure and defense spending
• Growth rebounds from 0.3% to 1.2%
• Positive spillovers into Central and Eastern Europe

Elsewhere:
• Spain: ~2.1% growth
• France: ~1.0%, constrained by fiscal and political pressure
• Italy: mixed, reform-dependent path

🌟 Regional winners and laggards

Central & Eastern Europe:
• Growth engine of the continent
• Strong real wages, low unemployment
• Poland leads at 3.4% growth

United Kingdom:
• Growth slows to 0.9%
• High rates and fiscal tightening weigh on demand

Nordics & Switzerland:
• Resilient and accelerating
• Higher defense spending, easing policy
• Premium and luxury tourism rising in Denmark and Sweden

🌟 AI: the quiet separator

AI adoption is uneven and increasingly decisive.

• U.S. and Denmark lead
• Italy and Spain gaining momentum
• Productivity gains will concentrate, not spread evenly

Digital readiness is becoming a growth advantage.

🌟 Consumers and SMEs

• Consumers favor experiences and small indulgences
• Big-ticket purchases remain cautious
• SMEs face uneven conditions, with digitalized businesses adapting best

What’d you say? Share in the comments.

Source: Mastercard Economic Outlook 2026

🎄 Maclear Christmas GIVEAWAY

Turn returns into memories

Wrapping up the year on a high note, we want to remind you of something important: investing is a tool, not the destination.

We’re used to measuring life in numbers: income, expenses, percentages, assets. More. Better. Faster.

But the real goal is getting back to what truly matters: experiences, freedom, moments with loved ones, the feeling that life is happening now.

🌟 This Christmas giveaway is about dreams that are meant to come true. About turning “someday” into “this year.”

It’s time to turn your investment returns into memories.

🎁 Prizes:

🌟 Trip to Dubai with flights and hotel accommodation included

🌟 Football match tickets — winner can choose any, with a total value of up to €3,000

🌟 iPhone 17 Pro Max

🌟 10 prizes of €50 credited to your balance

🌟 How to take part:

• Invest €300 or more in one transaction
• Primary market only
• Investment period: Dec 17–Dec 30, 23:59 CET

🌟 Winners announced: December 31

Because returns should do more than grow your capital. Let’s celebrate this season together 🎉

Investor dashboard upgrade🔝

Thanks to your feedback and suggestions, we’ve updated the “My investments” dashboard on the platform.

Here’s what’s new:

🌟 Streamlined view

The table now has a clean header with all the essentials: Next payments, Loan period, Time to repayment, Status/ID, Repayment schedule/Sell.

Click on the calendar item to see the investment date details for each project.

🌟 Easier navigation

Projects are now easier to browse. Hover over a project to go directly to it, and see a tag with information about how the investment was made (e.g., AUTO).

🌟 Multiple views

Switch between table view and card view. On mobile, card view is the default, but you can switch to a table if you prefer.

🌟 Filtering and sorting

All filtering and sorting options remain, so you can quickly find the projects you need. Just click the icon on the right.

The Maclear team is committed to making your investment experience simpler, clearer, and more enjoyable. Thanks again for helping us improve! 🌟

🌟 What really keeps long-term investors on track?

Surprisingly, it’s not miracles, perfect moments, or constant difficult decisions.

🌟 It’s consistency.

When the process is repeatable, investing becomes part of your financial routine. Like a habit.

Over time, a habit-based approach works for you as routines compound. Also, it reduces emotionally driven mistakes by 30–50%, which is scientifically proven.

🌟 This idea lies in Maclear’s philosophy: we build the platform for investors who think long-term and value predictability over hype.

If you’d like to see more insights like this, we’re now active on Facebook. It’s a simple way to stay connected beyond Telegram.

Follow Maclear on Facebook.