What is On-Chain Crowdlending?
On-chain crowdlending has rapidly evolved, becoming one of the most transformative applications of decentralized finance (DeFi). In 2025, platforms like 8lends are leading the way, introducing an innovative financial ecosystem that connects borrowers and lenders worldwide.
How 8lends is Revolutionizing Crowdlending
8lends, launched by the Swiss fintech company Maclear AG, offers a groundbreaking model where borrowers and lenders connect globally, free of intermediaries. This blockchain-based platform automates loan issuance, repayments, and liquidation processes through smart contracts. With over $5 million raised in under a year and $814K already repaid to investors, 8lends showcases the immense potential of crowdlending in the DeFi space.
What sets 8lends apart is its focus on regulated, asset-backed lending. Loans are collateralized with real-world business assets, such as property and equipment. Borrowers undergo stringent KYC and AML compliance checks, ensuring transparency and security. Furthermore, 8lends adheres to GDPR standards, making it a trusted choice for investors and businesses alike.
Why 8lends Appeals to Investors
Investors find 8lends particularly enticing due to its predictable fixed-interest models, alongside real-time loan tracking. The platform offers interest rates of up to 25%, with the median APR sitting at around 23%. Additionally, investors enjoy zero fees and a strong referral program, which includes a 6% bonus on referrals and a sign-up bonus of 30 USDC for first-time registrants.
The platform caters to a broad audience, ranging from retail lenders seeking passive income to institutions looking for risk-controlled returns. Projects funded through 8lends span various sectors, including green energy, agriculture, and small business ventures, further showcasing its versatility and broad appeal.
Tokenizing the Lending Experience
The 8lends ecosystem is further enriched by its native token, $8LNDS. With a current value of 0.003382 USDC, the token incentivizes user engagement through a reward program. With 100 million tokens issued, 8lends is steadily building a vibrant, token-driven economy.
Safe, Audited, and Transparent
To ensure the security of its platform, 8lends has undergone audits by leading firms, Certik and Cyberscope. By combining traditional credit standards with blockchain automation, 8lends delivers a secure, compliant, and transparent lending environment that benefits both Web2 and Web3 participants.
How Does 8lends Work?
In simple terms, 8lends operates as a decentralized marketplace where pooled funds from multiple lenders are recorded transparently on the blockchain. This removes the need for a central authority, reducing costs and streamlining the lending process. Borrowers, including SMEs and Web3 startups, can bypass traditional banking hurdles to secure funding. At the same time, investors benefit from reliable returns with minimal fees.
The Future of Crowdlending is Here
By addressing the shortcomings of conventional banking and credit systems, 8lends is reshaping how we approach lending and investing. Whether you’re a business owner seeking accessible credit or an investor exploring decentralized options, 8lends offers a stable, secure, and innovative solution.
Interested in learning more? Check out their platform at 8lends.com to see how you can get started with blockchain-powered crowdlending today.
