🎁 You join? It's Maclear's major milestone GIVEAWAY

All invited — 100 chances to win and celebrate with us!

We're on the verge of €100,000,000 in total funded, and we want to celebrate this milestone together with you.

That's why we're launching a giveaway with 100 prizes up to grab.

Starting today, you can take part and boost your returns 🌟

🌟 How it all works:

Every action earns you a ticket — the more tickets, the higher your chances.

🌟 Invest €300+ in a single project on the Primary Market during the contest period => 1 ticket, counted automatically.

*Each investment must be at least €300 in one project. Splitting smaller amounts across multiple projects doesn't count.

🌟 Every additional €300 invested = +1 ticket (€600 => 2 tickets, €900 => 3 tickets). There's no cap.

🌟 Refer a friend who signs up via your referral link => +1 ticket per friend. To claim it, message our support team with your MC number.

🌟 Only Primary Market investments count.

🏆

Prizes:

• 1st place — €500
• 2nd place — €300
• 3rd place — €200
• 4th–10th — 3% APR bonus voucher
• 11th–50th — 2% APR bonus voucher
• 51st–100th — 1.5% APR bonus voucher

The giveaway runs until we officially hit €100M. Winners will be selected via randomiser.

Thank you for being part of this journey. Let's celebrate! 🎉

Our course platform just got a huge upgrade 🔝

We’ve completely rebuilt to, and it’s a whole different experience 💯 — designed to make your learning process easier, more efficient, and more enjoyable.

Here's what's new:

🌟 Progress tracking — see exactly where you are and how far you've come

🌟 Cleaner, more intuitive interface — everything is easier to find and navigate

🌟 Wallet integration — connect your wallet directly and receive bonuses without any extra steps

🌟 Multilingual support — the platform is available in 9 languages, and both translated* images and videos are already live, so you won't need to rely on subtitles

*translation is made by AI

🌟 Built-in support — have a question mid-lesson? Send a message directly from the course — no need to jump to external chats or platforms

The first crypto course is already there, fully updated and ready for you to refresh your knowledge.

The Advanced crypto course is just around the corner, dropping very soon 🔜. Don’t miss out!

All Maclear & 8lends courses are completely free.

Dive into the platform and be among the first to try it all out🌟

Looking forward to seeing your feedback!

🌟 In case you missed it: Maclear has Tax Statements

This is your personal summary of income and expenses on the platform, designed to make filing easier no matter where you're based. Available 24/7.

🌟 You can find it directly in your dashboard: Statements → Tax

Set your preferred date range, and the document will be generated with your personal data included.

Maclear doesn’t provide tax advice — every country has its own rules — but we believe having your data organized and accessible is half the battle.

🌟 Help us make your Tax Statement even more convenient. Take our 2-minute survey and share your thoughts.

🌟 The global SME financing gap is $5.2 trillion a year. Yet Web3 still has almost no real business cases. Why?

Millions of small businesses can't get the capital they need. Banks are slow, local, and hard to access.

Meanwhile, blockchain spent years building a loop — impressive technology, but the end users were mostly other protocols.

That started changing in 2022, when the speculation cycle collapsed and real business needs finally came into focus. Tokenized real-world assets took off. Institutions joined. Capital started moving into yield-bearing, asset-backed instruments on-chain.

The "decentralization" framing quietly dropped away. It got replaced by one simple question: does this make transactions faster, cheaper, more auditable?

🌟 8lends is built right this way, clearly addressing it.

The platform connects investors to SME loans backed by tangible collateral — equipment, vehicles, property. Every loan and repayment is on-chain and verifiable.

Businesses get funded on fair terms. Investors get a new asset class with real yield. Blockchain makes it possible — removing intermediaries and building trust between two parties.

🌟 The second wave of Web3 is here. The one where the technology finally works for the real economy.

Start exploring it now

🌟 Everything you need to grow is already on Maclear

With Maclear, you can grow your portfolio even within just one platform — here are 5 ways to do it from day one:

🌟 Welcome bonus — €15 to kick things off

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

🌟 Referral bonus — 3% cashback 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 window, the more you collect on top of your returns.

🌟 Investment reward — up to €300 extra per project

Put in one project €500 or more and earn €30 back for every €500 invested — up to €300 per project, on top of your fixed annual return.

🌟 Loyalty bonus — your rate grows with your portfolio

The longer you invest, the better your terms get: from +1.5% on Beta to +3% on Aplha+ to your annual rate.

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. This way, your bonus balance becomes liquid.

Want to expand further?
Add 8lends to your portfolio— the same principles in crypto: 30 USDC welcome bonus, 6% cashback on investments in tokens, 6+6% referral rate.

🌟 0% fees on deposits and withdrawals on both platforms.

Learn more:

• Maclear
• 8lends

Maclear’s MAJOR GIVEAWAY is in full swing — join now!

🌟 New milestone is here

Just €5,000 away from €100M

🌟 €95.4 million deployed to SMEs across Europe.

🌟 €26.7 million already repaid to investors.

Hitting €95+ in total funded, there’s no better moment to remind you of Maclear’s Major Giveaway — with 100 prizes to win 💯

Thank you for choosing Maclear as your investment partner. Let’s celebrate together!

JOIN MACLEAR’S MAJOR GIVEAWAY

Sincerely,
Maclear team

🌟 Why US and European P2P lending cannot be compared?

To make a long story short, we've chosen two different paths.

In 2008, the US SEC applied a law written for stocks and bonds to a product it was never designed for. Retail investors lost access to the asset class and never got it back.

Europe chose differently. Retail P2P lending was the original goal, and everything else was built accordingly.

🌟 We broke down the full regulatory history, the institutional takeover, and what the European framework looks like in practice.

🌟 Read the full piece on Medium

🌟 Many investors watch where the market is heading and actually know nothing about it

Because the market growth cannot show you all the things you need to take into consideration.

It usually goes like this. Every quarter a new report drops: "Private credit market to reach $2.8T by 2030."
Investors read it and double down.

If you’re doing the same, hold on.

🌟 The CAGR you’ve read about measures loan volume, platform count, total AUM, but not your return. It doesn’t measure how much investors earn.

🌟 A high CAGR often signals future yield compression. More capital flows in, platforms compete harder, and rates compress.

🌟 How about volatility? CAGR hides it. A market drops 40%, recovers, climbs — the report says "18% over 5 years." The investor who entered at the wrong time lived a completely different story.

🌟 What to check instead:

🌟 Net yield after fees

🌟 Deposit & investment growth month by month

🌟 Funded projects and interest paid

🌟 Default rates and recovery rates

🌟 Secondary market liquidity

These numbers are about your money. Always check them before you commit.

Find them in the Maclear’s actual stats

🌟 Our MAJOR milestone giveaway is coming to its end soon!

We’re currently at €97M in total funded, and the finish line is right around the corner.

Once we officially reach €100,000,000, the giveaway ends and winners will be announced.

If you haven’t joined yet, or want to boost your chances, now is the time.

🌟 What prizes are waiting for you to win?

We’re celebrating BIG and giving out 100 prizes in total.

🥇1st place — €500
🥈 2nd place — €300
🥉 3rd place — €200

• 4th–10th — 3% APR bonus voucher
• 11th–50th — 2% APR bonus voucher
• 51st–100th — 1.5% APR bonus voucher

🌟 How to join?

It’s simple: invest in open projects and earn tickets. One ticket = one chance to win. The more tickets, the more chances.

🌟 Invest from €300 in a single project and get 1 ticket (counted automatically)

🌟 Every additional €300 in a project => +1 ticket (no cap applied)

🌟 Refer a friend who signs up via your link => +1 ticket (message support with your MC number to claim)

🌟 Only Primary Market investments of €300+ per project count. Splitting amounts across projects doesn't qualify.

Winners are selected via randomiser.

🌟 Secure your tickets now