🌟 WE DID IT — €100,000,000 total funded!

Maclear has officially crossed the €100M milestone.

🌟 Today we have two reasons to celebrate:

🌟 The growth of our platform and the first €100 million raised to support SMEs across Europe and beyond.

🌟 The results of our Giveaway, where we gave out 100 prizes to 100 investors.

Winners were selected randomly.

🌟 GIVEAWAY WINNERS

🥇 1st place — €500
MC34435

🥈 2nd place — €300
MC3686

🥉 3rd place — €200
MC34384

If you're one of the top 3 winners, please contact our support team to claim your prize.

3% APR Bonus Voucher (4th–10th place)

MC18189 · MC4170 · MC22402 · MC37868 · MC881 · MC3433 · MC2710

2% APR Bonus Voucher (11th–50th place)

MC399 · MC19540 · MC20671 · MC5000 · MC38286 · MC23439 · MC4411 · MC35923 · MC5421 · MC35443 · MC15975 · MC8930 · MC552 · MC35510 · MC37571 · MC41253 · MC38280 · MC40595 · MC21025 · MC35165 · MC3836 · MC33640 · MC40910 · MC35885 · MC26013 · MC39887 · MC40901 · MC5621 · MC3044 · MC5902 · MC39416 · MC38327 · MC37353 · MC14761 · MC8315 · MC36757 · MC40862 · MC35685 · MC25972 · MC39854

1.5% APR Bonus Voucher (51st–100th place)

MC12716 · MC4499 · MC41616 · MC5684 · MC6197 · MC21204 · MC32762 · MC37363 · MC13382 · MC13410 · MC4251 · MC41324 · MC4964 · MC8383 · MC5052 · MC16150 · MC15477 · MC1042 · MC1954 · MC39422 · MC13056 · MC36363 · MC4068 · MC21514 · MC1152 · MC3651 · MC36045 · MC35787 · MC40585 · MC22511 · MC828 · MC35218 · MC41490 · MC4896 · MC37486 · MC3282 · MC2684 · MC5149 · MC40386 · MC6502 · MC24872 · MC34576 · MC39203 · MC4296 · MC36753 · MC23219 · MC35201 · MC16961 · MC38307 · MC36829

🌟 See your MC number above? Congratulations — your voucher details (places 4–100) will be sent to your registered email within the day. Keep an eye on your inbox, it will arrive as a separate message.

Thank you for being part of this milestone. Here's to the next €100M — and beyond!

— The Maclear Team

🌟 8lends: why it matters for your portfolio

For those already familiar with the basics, the fuller picture

🌟 The yield is higher — here’s why

8lends operates globally, with no banks involved at any point. No wire delays, no conversion fees, no intermediaries taking a cut. That operational efficiency flows directly into investor returns, which is where the 18–25% APR comes from.

Same due diligence by Maclear AG, same collateral-backed loans, and a broader reach.

🌟 Every transaction is on-chain

Your investment, every interest payment, the return of your principal — all publicly visible on Base network. Verifiable by anyone, at any time.

🌟 Buyback Guarantee — on select projects

On certain loans, if a payment is delayed beyond 60 days, a partner repurchases your loan and returns 100% of your principal. All interest earned before the delay stays with you.

🌟 Look for the Buyback label when browsing projects.

🌟 Crypto taxes: how to handle them

Although we can't give you tax advice, 8lends’ve partnered with Blockpit — a tax calculator trusted by 350,000+ users across Europe. It connects to your wallet and generates a ready-to-file report for 100+ countries, including Spain, France, Austria, Germany, Portugal.

✔️ “How do I pay taxes?”

🌟 Two platforms, separate infrastructure

Maclear and 8lends are managed by separate teams and run on separate infrastructure. Maclear AG oversees the due diligence on both, but a problem on one platform does not automatically affect the other. They’re designed to complement each other.

🌟 How investors are combining them

A common approach: keep the core portfolio in Maclear and allocate a portion to 8lends for higher yield and geographic diversification. Start small (100 USDC minimum) and scale as you get comfortable.

Any questions left? Reach out to @daniel_8lends.

🌟 Maclear bonuses to boost your returns

Historically, spring is the peak of investment activity: annual bonuses land, tax refunds arrive, and investors put their money to work before the summer slowdown.

On Maclear, you have everything you need to double down and grow all season long:

🌟 €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

🌟 The Provision Fund on Maclear: all you need to know

When we started to build Maclear, we wanted to create a P2P lending platform with real guarantees for investors. You can call it a safe space where investors don't just grow their returns, but where they count on stability 🌟

As a financial intermediary between investors and borrowers, we can't promise a completely risk-free investment experience. But we can choose how we respond to it: through fixed returns, collateral-backed loans, and most importantly, the Provision Fund.

🌟 With the fund's balance now standing at €2,000,000, we want to go deeper into what it actually means: what it's there for, how it's replenished, and exactly what happens when a borrower is late on a payment.

🌟 We've been stress-testing this system since day one, and the results speak for themselves. We have further plans to strengthen and expand it. And as the platform grows, we're confident we can deliver on that.

🌟 Read the full article on our blog

🌟 The EU needs €750–800 billion of investment per year just to catch up with the US and China. How come?

That’s a real number coming from Mario Draghi's 2024 competitiveness report.

On average, Europeans save 15–20% of their income. Americans save around 4%.

Yet over the past 15 years, American household wealth has grown roughly three times faster than European.

ECB president Christine Lagarde named the reason: a third of European financial assets sit in cash and bank deposits — €11.5 trillion going almost nowhere. In the US, that figure is around 10%.

🌟 The actual gap is about what the money does next.

A euro left in a deposit in 2015 has barely kept pace with inflation. A euro put into a broad US equity index over the same period is now worth roughly two euros.

So why does this keep happening? Is it culture, or a system failure?

Sweden offers a clue. After introducing a simple, tax-friendly investment account in 2012, it became one of the highest-performing retail investment markets in Europe.

Most of Europe still hasn't built that infrastructure. The savings habit is strong, while investing habit is not.

That's exactly the gap Maclear operates in. We offer fixed, scheduled returns through P2P lending — a clear alternative to deposits for investors who want their money to work.

🌟 Full article at the link

Worth a read if you've ever wondered why doing everything "right" with money sometimes feels like falling behind.

🌟How to stay safe from Telegram scams

We’re receiving more and more reports from you about fake accounts, chats, and channels — all built to look exactly like Maclear.

Indeed, scammers are getting better. Some even try to copy our tone of voice.

So staying alert is the only way to stay safe.

🌟 Here’s a simple flow to make sure you only talk to the real Maclear & 8lends support:

1. Start from the official website only

Open the website manually or from your bookmarks:
• maclear.ch
• 8lends.io

Never trust links from DMs, comments, or “friends of support”.

2. Go to Telegram only from the website

Use the Telegram buttons on maclear.ch or 8lends.io to open official chat and channel.

Do not search “Maclear” or “8lends” inside Telegram — scammers create fake groups with similar names and logos.

3. Check who you’re talking to

Maclear:

@john_maclear
@thomas_maclear
@wenzel_maclear

8lends:

@daniel_8lends
@ceviz1389
@henry_8lends

If the person writing to you is not in that list, they are not our support.

Our support will never: ask for passwords, seed phrases, private keys or codes, or ask you to install “special” software.

4. Remember one rule: support never writes or calls first

Real Maclear/8lends support will never message you out of the blue.

🌟 The only correct flow: you write to our official chat => you pick an admin from the official list => you continue the conversation there.

5. Lock down your Telegram privacy

To reduce scam attempts even further, set your privacy settings to the strictest mode:

• Phone number: Nobody
• Last seen & online: Nobody
• Calls: Nobody (scammers often try to pressure you via calls)
• Who can add you to groups/channels: Nobody — so random people can’t throw you into fake “investment chats”.

🌟 If you are ever in doubt, STOP. Then verify, and contact us through our official channels.

It is always better to double-check than to risk your funds or personal data. Watch the safety video from the 8lends team — it’s a perfect fit for Maclear investors as well.

🌟 Annual inflation is up to 3.2% in the EU

According to the latest Eurostat data for April 2026

Yet many people still don’t take inflation seriously, and keep leaning on pure saving or low-yield accounts. At the same time, they say they want passive income.

And the problem isn’t a lack of information — there’s more financial content and social‑media “advice” than ever.

🌟 What actually gets in the way is a mindset gap: fear of loss, habits inherited from 2008, and the belief that “just saving” is safe.

🌟 In our new Medium piece, we unpack why we struggle to let money work for us, what passive income really is (and isn’t), and how P2P lending can help bridge that gap.

Read it here

🌟 Help us get it right

We're continuously working to improve your experience on the platform. Right now, we're updating the personal dashboard, and we'd love hearing back from you.

Answer a quick poll below and help us build a more convenient platform for you 👇🏻

🌟 We did it!

The Advanced Crypto Course is finally out!

This is Part 2 of our crypto course series from Maclear and 8lends, and we’re beyond excited to present it to you.

It was made with your input — every topic was chosen based on real questions and survey responses from our community. The focus of the Advanced course is to learn to navigate crypto and make informed investments decisions without fear of loss or FOMO.

🌟 Inside:

🌟 How to read blockchain explorers and dashboards, and trace real transaction flows

🌟 How yield, terms, and collateral work across different deal structures

🌟 How business cashflows, security, and tokens interconnect in real-world scenarios

🌟 How to build a calm, systematic approach to decision-making in crypto

We've updated the format: 9 lessons + an intro and summary — with video, written content, and short quizzes to reinforce what you've learned. The course is available in 9 languages, and videos automatically adapt to your chosen language*.

*Videos are translated using AI.

Everything is designed for a smooth and comfortable learning experience.

🌟 Bonus for completing the course:

Finish the course and invest $100 USDC or more — get 15 USDC.

New to 8lends? Complete the course and invest $100 USDC or more — earn 15 USDC for the course plus a 30 USDC welcome bonus. That's 45 USDC in total.

Welcome aboard, and please do share your feedback!