🌟 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!

🌟 Maclear’s reached a new milestone

We’re closing this spring season with steady performance and moving toward our next key achievements.

🌟 €106,1M+ — total funded to support SMEs all across Europe and beyond

🌟 €29,8M+ — total repaid to investors

Thank you for being with us on this journey!

Sincerely,
Maclear team

🌟 The project that didn’t make it to the Maclear platform: why?

Usually, we don't talk about projects we reject. The Maclear team follows stringent guidelines and only approves projects that truly fit our risk standards. Most applications don't even make it to the final round.

But this one was analyzed longer than usual before saying “no”.

Here’s on what was wrong with what seemed like a standard request from a Bulgarian company:

🌟 First, the request.

The company operates in the light industry sector. Stable revenue, 11 years in the register, reliable clients, multiple suppliers. There was a change of shareholder and regular business activity.

They sought finances to buy new equipment. On the surface: a solid, regular borrower.

🌟 Second, the deeper analysis.

• High debt load

The company already had two active bank loans, and its total debt was close to annual revenue — 0.85 debt-to-revenue ratio.

Adding a P2P loan would have pushed the ratio even higher.

• Control over business

The shareholder change was formally normal. But the new owner had no light industry experience, and the change happened just 4 months before the loan request — too soon to judge whether the company benefited from new ownership.

Plus, the structure became less transparent. The new shareholder brought in two minority partners whose backgrounds and funding sources were not clearly disclosed.

• Cash flow instability

Despite stable revenue on paper, the company's cash flow was inconsistent.

Seasonal dips in demand created cash flow gaps of 2–3 months per year, during which they relied on short-term bridging loans to cover payroll and supplier payments. This pattern increased the risk of default if the new equipment didn't generate expected returns quickly.

🌟 These three factors weighed against the project, so the final decision was rejection.

And that's okay. It's not about the company being “bad”. It’s rather about protecting investors’ money and interests.

🌟 In-app notifications are there

We’re introducing in-app notifications in Maclear to help you stay fully informed and in control of your investments.

You’ll now receive updates directly in your personal account across three categories:

🌟 System — important account and security-related updates. These notifications are mandatory, always visible, and cannot be disabled.

🌟 Financial — updates on your transactions, repayments, and changes in your financial status.

🌟 Project — notifications about project lifecycle events and new investment opportunities.

You can manage Financial and Project notifications in your account settings anytime.

🌟 All notifications are stored in your account for 1 month, so you can easily track recent activity.

You can already test this feature on the platform. Stay informed!