Why did we call our platform 8lends? 8️⃣

Numbers are part of our everyday life. We live with them, work with them, and remember them — just like names.

We believe that a name, and the number behind it, plays an important role in the success of a brand.

So why 8lends?

♾ Infinity. Pretty obvious, right? But it fits us best.

Throughout history, people have always strived for growth: they created, built, discovered, and scaled. The technologies we use today are the result of past breakthroughs.

🏗 That’s why the process of creation and development is infinite — you can’t stop people from building.

We understand this foundation and help it grow. We find projects around the world that bring real value and give people the opportunity to build wealth by supporting real businesses.

🔥 With 8lends, opportunities are infinite.

TG Space: Habits & Mindset That Make an Investor Successful

Did you all rest well? Because we did, and we’re back with a new format: TG Space!

🔘 What makes an investor wealthier
🔘 8lends in 2026
🔘 P2P trends and solid structures

Sounds interesting, right? Come and join us 🔽

📱 13.01 at 14:00 UTC—right here in Telegram!

You lose money every day because of inflation!

If your money sits idle and you don’t invest it anywhere — you’re losing it.

And these aren’t our thoughts. This is what the data says 🔽

In 2025:

U.S.

🔘 Core inflation (YoY): 2.7%
🔘 Average savings yield: 0.62%

Europe

🔘 Core Inflation: 2.1%
🔘 Average Deposit Rate: 0.25%

That means:

🔘 Europe: ~2.05% lost per year
🔘 U.S.: ~2.0% lost per year

That’s why we encourage investing — putting money to work!

🔥 On 8lends, projects offer 20.9%–23.2% APR, which allows you to outpace inflation.

And if you don’t want to invest — at least spend the money. Take a trip. Enjoy it. Because otherwise it will quietly lose value anyway.

How do you fight inflation — spending or investing?

P2P Market Is Bigger Than You Might Think!

Some people still believe the only way to build wealth is through crypto and stocks. Both markets carry risk, especially crypto.

📉 In reality, most people don’t enter crypto for long-term work. They chase fast gains. That’s why most end up losing money.

Other investment options often feel inaccessible because of high entry barriers. But many people overlook one strong long-term option entirely: P2P lending.

📈 Here’s how far the P2P market had grown by 2025:

🔘 Global P2P lending revenue reached $176.5B
🔘 Retail investors accounted for 47.9% of the market
🔘 Individual investors made up 51.8% of total participation
🔘 North America led with 36.1% market share (vs. 37% in 2024)

↗️ Click to learn more

These are already massive numbers, especially considering the market is still relatively young.

⚡ And some projections estimate the P2P lending market could reach $1.38T by 2034!

That’s our take on the market. What’s yours? Share it in the comments! 🔽

🎤 X Space: Investing in 2026

We’re not slowing down, and we hope you aren’t either.

We’re up for another X Space where we’ll discuss:

🔘 Key investment trends in 2026
🔘 P2P crowdlending
🔘 Market growth and how you can benefit from it

✖️ 15.01 at 2:00 PM UTC on X Space

See you there!

What do you know about trust?

👁 Is it about personality? Data? Numbers? Reputation?

We believe trust comes only after questioning it. That’s why, before making any investment decision on our platform, you should ask yourself: “Can I trust P2P lending and 8lends?”

Trust doesn’t come from statements like “We’re transparent!”
It comes from infrastructure.

Most P2P lending platforms have 3 core problems:

🔘 No clear collateral
🔘 No visibility into who makes credit decisions and how
🔘 No real data on risks, only nice platform visuals

In such cases, when things go south, it’s always easy to blame the market or the news.

When we built 8lends, we started from a different question:

💭 What should a platform provide so that I’d put my money into it, and sleep well afterward?

That’s why:

🔘 Every loan is backed by real collateral (equipment, goods, property). All collateral details are clearly stated on each company’s page on 8lends.
🔘 A clear credit model and scoring system (click to learn more).
🔘 A Web3-based structure where all inflows are recorded on-chain via smart contracts. There are no grey zones. On every project’s page, you can see how much money was invested, including wallet addresses.

P2P lending isn’t ideal, and isn't risk-free. But there’s a big difference between investing in memecoins or in something that just feels promising, and investing in real businesses with a clear business model on a platform that hides nothing from you.

🔥 On 8lends, structure and capital protection come first. Only then come income and marketing, not the other way around.

We’re ready to show you more and explain more. Stay tuned!

$8LNDS will grow soon! 📈

Hope we don’t spoil you too much 💀

Investors from Maclear will have the option to convert their bonuses into $8LNDS!

This brings in more holders, and increased holder demand typically supports price growth.

Our infrastructure grows along with the price! 🔥

$8LNDS Heartbeat 💗

The New Year is here, but something was missing… our weekly check on $8LNDS!

Let’s fix this and take a look at how it’s doing 🔽

📈 $0.005643 → $0.008695

🔘 Liquidity: $591K
🔘 FDV: $869K
🔘 Market cap: $869K

🦅 Track on Dexscreener

🔼 As you can see, there was a strong spike yesterday, and we warned you about this one earlier in this post.

Everything’s moving according to the plan!

High returns = scam? ⚡

How to spot the difference between yield and fantasies?

Most people, when they see two digits in the APR field, instantly want to either run away or go all-in.

💀 Both options are bad.

It doesn’t matter how much a platform offers you—it’s much more important to understand what for.

🚫 Red flags in high APR:

🔘 It says that high returns are guaranteed with no risks.
🔘 Nothing about the source of cash flow. Where does a platform take money from? From “cool” investments?
🔘 No structure of loan security, payout priority, or proper contracts.
🔘 FOMO. If a platform focuses only on high APR and doesn’t explain its structure and mechanics.

🟢 Green flags in high APR:

Double digits in the APR field are fine if:

🔘 You understand where you put your money: business, sector, country.
🔘 You know what the loan is backed by: collateral, contract.
🔘 You can explain why a borrower pays this much instead of going to a bank.
🔘 The platform is honest about all possible risks and explains how they manage and offset them.

In such cases, APR isn’t magic—it’s an extra charge for:

🔘 Default risk
🔘 Low liquidity
🔘 Country/sector risks

So it’s not a “present.” It’s compensation for funding a specific loan with clear details and risks.

👁 Before you put in any of your money, run this checklist:

🔘 Can I explain in a few sentences where the money for payments comes from?
🔘 Do I understand who’s on the other side of the deal?
🔘 Do I see how my money is protected in a worst-case scenario?
🔘 Does the platform have history, statistics, and case studies?
🔘 Am I psychologically prepared for the fact that I could lose a part of my capital, like 30–50%?

If you can’t answer these questions, the problem isn’t high returns. It’s the platform.

It’s not an investment—it’s a fantasy wrapped in a fancy, vague APR number.

8lends Changes the Web3 Structure! ⚡

The crypto market is becoming more mature every year!

There are tons of solutions and ways to develop the real-world economy, and we’re part of this maturing process.

We show you how to use such a great tool as crypto for good 🔽

https://partners.coinspeaker.com/how-swiss-defi-platform-8lends-turns-real-assets-into-yields

The pace of listing new projects isn’t our top priority.

Why? Because we care more about the quality of the pool.

🚫 Many P2P lending platforms try to list as many projects as possible just to look “alive.” More projects mean more income and nicer-looking numbers in reports.

From an investor’s perspective, that approach is risky.

🖥 This study shows us why:

🔘 In 2014, four paper companies in Guangzhou committed loan fraud, creating ￥100,000,000 in bad debt risk for a P2P platform.
🔘 Cecchini et al. identified 132 fraud cases across 122 firms over 13 years.
🔘 Dechow et al. detected 293 frauds among 896 firms.

Scams are still common across P2P platforms, and flashy numbers are often used to attract investors.

For 8lends, the pool is a filter. The projects we list define our reputation.

🔥 That’s why we work differently:

🔘 Fewer projects, but with clear collateral, documentation, and cash flow
🔘 Thorough due diligence instead of listing and hoping for the best
🔘 Declining deals that almost fit, instead of listing it to increase the volume

A fast listing pace feels good. But pool quality matters most when a crisis hits.

📈 In unstable markets, investors care less about quantity and more about how projects were selected and what backs them.

That’s why quality and structure come first. Scaling comes second.

If Your Priority Is Profit, You’re a Donor 📉

Did you know that big funds don’t put profit in first place? They focus on something else...

And you don’t need $1M in your pocket to invest the way they do 🔽

https://www.youtube.com/watch?v=ViFOTMySwv4

The Story of a Borrower: Elysium Ventures Limited 🇰🇪

This is not the first project from Kenya on our platform, and that’s not a coincidence.

We’re genuinely interested in businesses from Africa. Why?

Because the region is full of large industrial and manufacturing companies. They produce a wide range of goods, yet this market is still significantly undervalued. By the way, we even filmed one of our visits to such a business 🔽

📱 Maclear Launches: African Investment Opportunities

Today’s borrower operates a machinery business in Kenya. Think of them as the people you call when you need heavy equipment: tractors, excavators, bulldozers, cranes—all the big stuff.

The story itself is quite simple.

Our interest in African businesses isn’t new. As some of you may remember, one of the first projects on 8lends was Keen and Tight Caretakers, also from Kenya. We had several calls with them, and they were well aware of our focus on the region.

At some point, we asked them to let us know if there were other businesses worth discussing for listing on 8lends. Time passed, Keen and Tight Caretakers successfully repaid part of their loan, and they introduced us to another company that might need funding—Elysium Ventures Limited.

At that time, Elysium was looking for capital to scale its operations. Like most businesses, they first approached local banks, but the conditions were far from ideal. In Kenya, bank lending requirements are often very specific and difficult to meet:

🔴 Loan sizes are usually large and better suited for long-term expansion. Short-term scaling needs are rarely supported.

🔴 Interest rates are high, making long-term borrowing risky for smaller businesses.

🔴 SMEs are often too large for microfinance but too small or risky for traditional banks, creating a massive $331 billion financing gap across Africa.

That’s why they reached out to us.

We had multiple calls, followed by months of due diligence: analyzing their collateral, business model, and scaling plan. Once all checks were completed, we approved the loan and listed the project on the platform.

There’s nothing unusual about how we got to know each other, and in business, that’s often the case.

🔥 Today, we wanted to show you why many African businesses prefer 8lends over local banks.

Have you already invested in Elysium Ventures Limited? What do you think about the project? Let us know!

Passive Income in 2026: What Still Works, What Breaks First

If 2025 taught us anything, it’s this:

💀 betting everything on crypto narratives is... not a strategy.

Together with Wenaltseason, we’ll break down the best passive income options for 2026!

💬 Jan 8 | 3 PM UTC on X Space

Avoid the mistakes you did last year!

Where did the money from memecoins go?

Here’s how the market cap changed over the last years:

📈 20.01.25: $117.31B
📉 22.01.25: $40B

🪙 Source: CoinMarketCap

So where did all the money go? It feels like it just faded away. A few years ago, Twitter went wild over memecoins. Today, only a few people even remember them. What happened?

The money didn’t disappear, it moved. Here’s how it usually happens:

Memecoins pump hard. People rush in to invest or trade, afraid to miss the skyrocket. What they ignore is obvious: there’s no business behind these coins. Literally nothing.

A few people lock in profits at the top. Most lose money. Part of the capital goes to those who launched the story; the rest goes to those who managed to exit in time.

What happens next:

🔘 Part of the capital leaves crypto entirely, convinced it’s all a scam.
🔘 Part moves into stablecoins or cash, just to forget about charts, candles, and TA.
🔘 Part flows into more reliable assets—Bitcoin, Ethereum, well-structured DeFi projects, or tools with real returns.

There’s one pattern here. After every bull cycle, people start looking for instruments with:

🔘 a clear source of cash flow
🔘 a connection to the real economy
🔘 limited but understandable risk
🔘 less show, more structure

And data proves it well:

🔘While memecoin volumes collapsed, stablecoin monthly active users grew 25% in 2025.
🔘 JPMorgan estimates nearly $130 billion flowed into digital assets in 2025, largely driven by retail demand for Bitcoin and ETH ETFs
🔘 DeFi Total Value Locked (TVL) reached $225 billion in 2025, driven by stablecoin growth and real‑world assets (RWAs) attracting over $20 billion

Memecoins play their role: they attract attention, pull people into the space, and then fade away.

🚫 So the real question isn’t “Where did the money from memecoins go?”
🟢 It’s “Where do people put their money after they lose it on memecoins?”

The answer is simple: to places where the number on the screen is actually connected to the real world.

Claim and Sell 26% of Your Tokens! 🔥

Until January 31, you're free to sell a significant part of your holdings.

All you need to do is go to your personal profile on 8lends, claim your bonuses, and decide whether you want to keep holding your tokens or sell 26% of them at once.

⚡ 9 days left before this opportunity closes!

Take your time and decide whether you want to take profits now and reinvest, or keep holding.