🌟 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!

Maximizing returns often involves utilizing all available platform tools to your advantage. Beyond fixed interest rates, Maclear offers several incentives designed to increase your net yield.

Here is a summary of the tools to help your capital grow:

🌟 €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

🌟 We’ve just improved Instant Deposits feature — here’s a complete guide

Instant deposits are now available for all* investors.

Top up your Maclear account within 2 minutes 🌟 using your regular bank transfer.

With Instant Deposits, every investor gets a personal virtual IBAN — а dedicated EUR account permanently linked to your Maclear profile. Easy to get and use.

In this guide:

— Step-by-step setup instructions
— What to expect at each stage of approval
— Key requirements to ensure your transfer goes through smoothly

🌟 Check out the Instant Deposits guide

*Instant deposits are not available to investors based in the UK, in accordance with local banking requirements.

🌟 2024 full-year financial report | by Maclear AG

We've published our annual financial report for 2024, alongside the overview letter from our CFO explaining the numbers.

This report came later than planned. As our operations scaled, so did the complexity of the numbers. We brought in an auditor and changed our accountant during the same period.

In 2024, our team focused on platform development and expansion:

🌟 Loan portfolio grew 13x

🌟 Revenue grew 7x

🌟 Interest income grew 126x

🌟 Share capital grew 1.25x

All investor payments were made in full and on time. There were no defaults on issued loans.

The report covers the full picture — balance sheet, P&L, and notes. We recommend reading the CFO's letter first: it explains what's behind the figures and where the platform is heading.

As for 2025, the loan portfolio has already exceeded CHF 50 million, and we expect equity to turn positive by year-end.

The 2025 report will follow with an independent audit.

🌟 CFO's letter: https://www.maclear.ch/blog/a-message-to-maclear-investors

🌟 2024 Annual Report: https://www.maclear.ch/blog/annual-report-2024

We took the time to get it right. Thank you for your patience and understanding 🙏🏻