What is collateral actually worth?

When it comes to protection, just saying the collateral is worth $1M isn't enough, of course.

❗️ If a borrower defaults, what the business paid for an asset or what it’s worth on the books doesn’t really matter. What matters is how much we can get by selling it.

That’s why we look at the asset type, its condition, liquidity, the secondary market, and how much we might have to discount the price to sell it. The details depend on the business and the type of collateral it provides.

For some projects, we also estimate a more conservative liquidation value.

Next, we look at the LTV (Loan-to-Value) ratio. It shows how large the loan is compared to the value of the collateral.

For example, if the loan is $400,000 and the collateral is valued at $650,000, the LTV is approximately 62%.

The lower the LTV, the bigger the gap between the loan amount and the collateral’s value.

But LTV alone doesn’t guarantee repayment. We also check whether we can seize and sell the asset, whether anyone else has a claim on it, and how much we might recover in the worst-case scenario.

So, the most important thing for us is how much money the asset could bring back to investors if the business’s main cash flow dries up.

⚖️ Do you check the LTV before investing? What LTV feels acceptable to you, and at what point would you walk away?

😉 Share some of your secret tactics in the comments!

🤩 Why do businesses prefer 8lends over bank loans?

For many businesses, the problem isn't that they can't get a loan. They just need capital as soon as possible, often for a specific purpose that doesn't fit rigid banking criteria.

Banks evaluate companies based on a strict set of criteria: credit history, financial reports, time in business, type of collateral, and internal lending limits. Even a strong business might get rejected just because it doesn't fit the bank's criteria.

8lends works differently. We focus on these things:

🔘 Why does the business need the capital?
🔘 How will it use the funds?
🔘 What cash flow will it use to repay the loan?
🔘 What collateral can it provide?
🔘 Can the business generate enough cash flow to repay the debt?

Then there's the matter of speed.

Businesses often need financing for specific purposes: buying equipment, increasing inventory, fulfilling a contract, expanding production, and more. If the loan approval process takes too long, the opportunity might disappear.

In this sense, crowdlending can be more flexible than bank loans.

That doesn't mean our requirements are any less strict. We just focus on a few key things: protecting investors' money, how the business plans to make a profit from the funds it raises, and whether its collateral can cover investors' losses in case of default.

🤩 That's why 8lends can be a much better option for many companies than a bank loan.

If you had a business, what would you choose: funding from 8lends or a bank loan? Share your thoughts!

🤩 WE GAVE AN INTERVIEW AT TOKEN2049!

We talked about how we solve the banking problems small and medium-sized businesses (SMEs) face every day.

People don't talk about this enough. That's why we attended this event: to bring more attention to the problem and share how we at 8lends are solving it.

Our approach benefits everyone: SMEs looking for relatively fast funding and people who want to earn a steady APR on their money.

Feel free to listen to what our CCO, Ivan Marchena, had to say in the interview!

😉 Enjoy the video!

✨ Everything you need to know in one post!

We've collected the most important updates to help you stay up to date:

🤩 About the 8lends platform

🔘 8lends at TOKEN2049
🔘 8lends Review by Marco Schwartz
🔘 CertiK & Cyberscope Audits
🔘 CLEARCHAIN CORP (our legal entity)
🔘 Honest Communication
🔘 KYC
🔘 Maclear
🔘 Story Behind 8lends
🔘 Sumsub (KYC provider)
🔘 Why businesses choose 8lends

🤩 About Investments

🔘 8lends leagues
🔘 Collateral
🔘 How collateral is legally secured
🔘 Invest with fiat
🔘 Invest without KYC
🔘 Project Anatomy (OSS HOLDING)
🔘 Repayments from businesses
🔘 Secondary market
🔘 Smart Contract
🔘 Start With $100
🔘 Value of collateral
🔘 What happens to your money once you invested

🤩 About $8LNDS

🔘 $8LNDS Fundamentals
🔘 $8LNDS Listing
🔘 $8LNDS Purpose
🔘 $8LNDS Stability
🔘 About Scam Tokens
🔘 How $8LNDS Reaches You
🔘 How the Token Section Works
🔘 RWA
🔘 Stage 1
🔘 Track $8LNDS in 5 Major Wallets

📢 Monthly reports

🔘 July 2026
🔘 August 2026
🔘 September 2026

Still have questions? Check out our FAQ or reach out to our team:

🔘 Ask Our Managers
🔘 FAQ

🔈 Our social media

🪙 CoinMarketCap
📱 Facebook
🔗 LinkedIn
✖️ X
🎞 YouTube
😎 Website

😉 Don't forget to like and bookmark this post so you can come back whenever you want to learn more about 8lends!

Where do businesses get the money to pay 20%?

At first, it might seem odd: why would a sound business borrow at 20%+ when banks exist?

But think about this:

If a company raises $100,000 and is expected to repay, say, $120,000 a year later, the question is: how much profit will that $100,000 help it generate?

For instance, a business might 👇

🔘 purchase inventory, sell it at a high margin, and turn over that capital several times within a year;
🔘 acquire equipment that immediately boosts production capacity;
🔘 fulfill a large contract for which it currently lacks sufficient working capital;
🔘 buy raw materials at a discount, earning more from the price difference than the cost of financing.

If that additional $100,000 helps a business generate $40,000–$50,000 in extra profit, then paying $20,000 to generate that profit makes sense.

✅ Therefore, a high interest rate doesn't necessarily mean that a company is bad or desperate. On the contrary, it might have a really smart plan to use the money.

Still, a good borrower should be able to clearly explain where the additional cash flow will come from, how stable it is, and what happens if things don't go as planned.

That's why the interest rate shouldn't be your main concern.

🤩 What about you? What do you look at before investing in a project on 8lends?

Here's your principal! But... what's next?

When a business repays its loan, you finally receive your principal back. But you stop earning interest from that business, too. If you want to keep generating income, you need to choose a new project to invest in.

If your portfolio consists of 4--6 projects with different terms and repayment schedules, you have to keep track of repayments, look for new opportunities, and reinvest the money that comes back.

Meanwhile, while your money sits in your wallet, it literally generates nothing.

✨ Recently, we've been working on a new feature: automatic reinvestment. It's designed to reduce these gaps and make managing your money easier.

How will it work?

You'll need to turn the feature on manually and set two options:

🔘 The maximum portion of your money you want to allocate to a single project.
🔘 What you want to do with your interest: reinvest it, withdraw it to your wallet, or allocate it to crypto-lending.

Once you've set everything up, you can include your existing investments, too. As loans get repaid, the returned principal goes into your auto-reinvestment balance. The platform then automatically allocates it across new, available projects.

What exactly is it for?

Instead of constantly checking incoming payments and manually choosing the next project to invest in, you can automate the process and spend less time monitoring everything.

You're still in control of your money, though. You can pause automatic reinvestment, withdraw available USDC at any time, or list your existing positions on the secondary market if you need to exit early.

The platform automatically selects projects from those currently available. The minimum amount for a single automated investment is 100 USDC. If you have a small amount to invest, your actual share in a single project may exceed the percentage limit you've set.

Do you need this?

Your actual return depends not only on the interest rates of individual loans but also on how efficiently you reinvest your money throughout the investment cycle.

Even if every project delivers the expected return, long gaps between one loan being repaid and your next investment can reduce your overall returns.

Auto-reinvestment doesn't guarantee that your money will always be invested. That still depends on whether suitable projects are available. But it means you won't have to manually reinvest your money every time.

We just want to help you spend less time on operational tasks and focus more on your investment strategy.

🤔 So, how does it sound? Would you give this feature a try, or would you prefer to manage your investments manually?

Easy Start: Invest 97 USDC for 6 days and earn a 4% return!

We're launching Easy Start! It's a special project for new users that lets you go through a full investment cycle with just 97 USDC in six days and receive 4 USDC in returns.

How does it work?

You lend 97 USDC to 8lends and receive:

🔘 2 USDC on day 3
🔘 2 USDC and your original 97 USDC back on day 6

If all obligations are met, you'll receive 101 USDC in total.

The process is the same as with other projects on the platform: you fund a borrower, follow the repayment schedule, and receive your payouts.

Where does the 4 USDC return come from?

As you might have guessed, 8lends itself is the borrower. We pay the interest from the budget we've set aside for onboarding new investors.

Basically, instead of spending our entire marketing budget on ads, we're giving part of it to new investors so you can try the platform for just 6 days before making any long-term investments in other projects.

What about security?

The borrower is CLEARCHAIN CORP. (the company behind 8lends), which maintains a stated liquidity reserve of $1 million.

Still, a reserve doesn't mean there's no credit risk.

Once you complete Easy Start, you can choose another project on 8lends and receive an additional 30 USDC bonus. To qualify, you'll need to make an investment within 14 days after completing Easy Start and meet the program requirements.

🤩 "Easy Start" is only available for those who have never invested before.

Easy Start is available once per account. The 4 USDC return is a special offer for new users and doesn't reflect the platform's standard APR.

Start with 97 USDC, see how investing works, and then explore projects from real-world businesses.

🤩 Click here to learn more about Easy Start on 8lends!

SOUTH KOREA'S STOCK MARKET LOST 39% IN JUST 5 WEEKS!

📉 It took just 5 weeks for 38.6% of South Korea's market cap to disappear.

And the reason comes down to one product you've probably never heard of.

Want to know what it is? Watch our latest video:

P.S. Something similar could happen in the US and Europe...

https://youtu.be/dK8mSSIQVYs

🥇 We're updating 8LNDS tokenomics!

8LNDS now has its own buyback price

We've set up a dedicated USDC reserve for the token. We'll put part of our platform's proceeds into this reserve to help it grow.

📢 Buyback starts on October 29 and our cashback program will end on the same day.

We planned to pay out all vested tokens at 70% of the token's launch price.

But investors in our chat asked us to raise the price.

🤩 So, you asked, and we're delivering: we'll pay out all vested tokens in USDC at 85% of the token's launch price, or ≈ 0.014518 USDC per token*

*The price is based on the token's 3-day TWAP of ≈ 0.01708 USDC for October 27–29, 2026

We hear you, and every voice counts. Each of you can make a real impact by sharing your thoughts and discussing things with us in the chat.

What exactly is changing?

Previously, investors received 8LNDS as cashback on their investments. The tokens vested over 40 weeks, and their market price was determined by trading on Uniswap.

We're moving away from exchange prices. Instead of relying on Uniswap, we'll set the buyback price directly on the 8lends platform. We'll use the USDC reserve to buy back 8LNDS from holders.

How the buyback price works

We'll add a percentage of the fees from new investments to the USDC reserve. As 8lends grows, these contributions can grow too.

We calculate the buyback price using this formula:

⚖️ USDC in the reserve ÷ number of 8LNDS held by users

We sell new tokens at a price higher than the current buyback price. The difference goes into the reserve, adding more USDC to back the tokens users hold.

Every new token we sell brings more USDC into the reserve.

When a holder sells their tokens back to 8lends, we pay them from the reserve and remove those tokens from circulation. This doesn't lower the buyback price for the remaining holders.

Think of it as a pool of USDC. Each token represents a share of the money in the pool, and we add more USDC as we sell new tokens.

What happens to your current 8LNDS?

We'll pay out the dollar value of the tokens remaining in your vesting schedule according to the original timeline. The exchange rate was fixed on the announcement date.

You can still claim any tokens that have already vested but that you haven't claimed yet.

You'll have a 20–30-day transition window to decide what to do with the 8LNDS in your wallet. During this time, you can either sell them back to 8lends at the fixed rate or keep them. If you keep them, the new tokenomics will apply, including the new buyback price.

That's another big update we've brought you this year. So far, we've:

🔘 Funded over $25 million in business loans.
🔘 Returned over $12.5 million to investors.
🔘 Had zero defaults.

Most of our updates have the same goal: to help protect your money while helping real businesses grow on convenient terms.

🤩 We'll keep adding new projects from different regions and industries. We'll tell you more about some of them soon!

How do you feel about this update?

❤️ — Looking forward to the new tokenomics
🤔 — Already missing the old ones

Will You Make a Deal with the Devil? 😈

Would your business promise investors a 666% annual return? Or sell real estate in the afterlife?

🤩 To celebrate Halloween, we're launching a contest for the craziest business idea!

Your task is to come up with a business that people would actually want to invest in.

Here's what you need to do:

1. Come up with a company name.
2. Explain what your business does.
3. Offer investors a return and set the investment terms.
😈 Add something to the fine print: an unexpected condition hidden behind your tempting offer.
5. Submit your idea through our Google Form: Click here to fill in the form. Let your imagination run wild!

How will we choose the winners?

🔘 We'll accept ideas until November 4.
🔘 We'll choose the 5-6 best projects from all the ideas you've sent.
🔘 On November 5, we'll open a poll here: "Which of these 'hellish' businesses would you invest in?" with those 5-6 projects.
🔘 On November 6, we'll announce the three winners based on the poll results!

How to participate

🔘 Subscribe to this Telegram channel.
🔘 Register on the platform and complete KYC.

One entry per person.

Feel free to share your idea and invite your friends to vote for it!

No need to invest. All you need is your imagination and a sense of humor 😉

🤩 Prize pool: $1,000

🥇 1st place: $500
🥈 2nd place: $300
🥉 3rd place: $200

Take on the role of the devil and convince investors to put their money into your business.

When black cats prowl and pumpkins gleam, may luck be yours this Halloween! 🎃

🎃 The Halloween Contest Update!

For those who missed it, here's the list of updates:

🔘 If you want to submit your idea, do it through this Google Form.
🔘 Our team will choose 5 or more ideas from all the submissions.
🔘 On November 5, we'll open a poll here: "Which of these 'hellish' businesses would you invest in?" with the projects we've chosen.

After that, you'll choose 3 winners, and on November 6, we'll announce them — nothing changes here.

So, if you want to compete for the $1,000 prize pool and have some crazy business ideas to share, we'll be waiting for your project!

🤩 The 8lends team wishes you good luck and a productive week ahead!