🔈 Spaces This Week

Lately, we’ve been hosting and joining a lot of Spaces, but this week, we’re slowing things down a bit.

It won’t be packed with discussions, but we’re not leaving you empty-handed either!

📢 For example, tomorrow we’re hosting a Space with @ENI__Official at 13:00 UTC to talk about RWA. If you’d like to join, click the link.

✖️ We'll announce other upcoming talks on our official X account.

As always, we’ll be happy to see you there and answer any questions about the market or our platform.

Have a good one!

🤩 Maclear AG updated its Crypto courses!

The platform has been rebuilt to deliver a whole new learning experience, so you can get a kick out of learning!

Release notes:

✅ Progress tracking — monitor your activity and progress on the platform

✅ Cleaner, more intuitive interface — find everything you need in 2-3 clicks

✅ Wallet integration — connect your wallet and receive bonuses without extra steps

✅ Multilingual support — learn in your language. All images and videos are already translated into 9 languages (all translations are made by AI), so there’s no need for subtitles

✅ Built-in support — ask questions right during lessons without switching to external chats

On top of that, the second part of the crypto course is already there! Dive in once you’ve completed the first part.

All Maclear & 8lends courses are completely free.

✨ Explore the platform and be among the first to try it all out.

We’re looking forward to your feedback!

😈 HOT SEAT IS TOMORROW!

This is going to be an honest conversation between 8lends and investors.

They’ve prepared questions for us, and we’ve done the same. None of us know what questions are coming, and that’s the most exciting part of the show.

🤩 If you need a refresher, read this post.

🤩 The show starts tomorrow at 15:00 CET.

We’re waiting for you because it promises to be one of the best sessions we’ve hosted so far!

See you 😉

DeFi lending will never be the same again.

Just three years ago, people witnessed what’s now called the DeFi Summer. It refers to the explosive growth of DeFi protocols during the summer of 2020 (June-September). Now everyone is waiting for DeFi Summer 2.0, or at least an altseason, but it’s not happening. Why?

❗️ In reality, DeFi before 2023 wasn’t as good as people remember. It wasn’t just about explosive growth; it also meant anonymous pools, zero regulation, scams, and the constant hope that smart contracts wouldn’t get hacked. Many people made money during that period, but even more lost it.

And we should hope it doesn’t happen again. Because it’s time for the market to mature.

🔘 The total TVL in DeFi protocols at the beginning of 2026 is $130-140 billion.

🔘 The Real-World Asset (RWA) tokenization market has already surpassed $30 billion in total value as of early 2026, meaning large institutions are taking it seriously, and retail will follow sooner or later.

🔘 DeFi protocols accounted for 59.83% of the entire crypto lending market by Q2 2025.

So, do you understand how DeFi is maturing? Through RWA. The integration of corporate lending and real assets into on-chain systems gives the market what it lacked — real-world utility.

We’re not just following this trend — we’ve been building in this direction for a long time. We believe RWA lending will make DeFi more sustainable, helping people earn stable returns instead of losing everything in a week.

The market has been moving this way for years. We’re just pushing it forward.

You can now log in to 8lends with your email!

We know many of you have been waiting for this, and it’s finally here!

🤩 You can now sign up and log in using your email. No wallet connection needed to access the platform or create an account.

Your wallet is only required if you want to invest, which is exactly why you’re here, right? 😉

So, will you switch to email login or stick with your wallet? Tell us!

AI is not for you.

97% of people who use AI to build startups or improve their work won't succeed.

✨ Only the chosen ones will make money with AI.

Don't forget to subscribe, smash the like button, and comment so we'll keep making videos like this one.

📱 Click to watch

The data banks don't share.

Let's get straight to the point:

🔘 Fact #1. How much money do banks generate?

Global banking sector revenue after deducting risks reached a record $5.5 trillion in 2024. Net profit hit $1.2 trillion, which is an all-time high.

How did they generate so much? The margin between deposits and loans. You deposit at 2-3%, they lend at 8-15%, and keep the difference.

🔘 Fact #2. How many SMEs don't get funding?

Only 19.5% of SMEs were in loan negotiations in Q3 2025, the lowest since the end of 2023. Approval rates among the largest banks have fallen to just 13% in 2025.

Actual demand for capital is far higher than the stats suggest. It’s unprofitable for banks to work with small businesses, underwriting small amounts is expensive and risky.

🔘 Fact #3. What's the real value of a deposit?

Inflation in Europe in 2026 is around 2.6%. The average deposit interest rate is 1.77%. Real returns are close to zero or negative, taking into account taxes and fees.

🔘 Fact #4. How much money leaks through commissions?

The global payment fee market in 2025 is $2.5 trillion. The average return on capital for payment players is 18.9%, with some exceeding 100%.

This is the money businesses and individuals pay just to move funds from one point to another.

P2B lending doesn’t solve all these issues, but it cuts out the most expensive middleman — the bank.

🤩 On 8lends, the interest margin that banks would take goes to investors.

🤩 $8LNDS: From $0.001 to $0.028 in 5 months

That’s +1767% in just 5 months! Do you have any idea how we managed to achieve this? Actually, there's no secret, and you probably already know the answer. But let’s break it down.

💎 What's the secret?

As we said, there's none. The difference between us and 90% of DeFi tokens is we didn’t build a platform around a token. We added a token to a working and sustainable platform as a bonus.

Every new investor on our platform is a potential $8LNDS holder, but people who hold the token put their money to fund real businesses all around the world to help them scale, and receive the token as a bonus, so $8LNDS has real-world utility, unlike most crypto right now.

Its price isn't a reflection of expectations; this is its real value at a certain moment. It will neither pump if the Fed cuts rates, nor dump if they decide not to.

🤯 But the token hit its ATH 25 days ago...

Right. We're not able to predict short-term price movements.

But $8LNDS will reach a new ATH – it's just a matter of time. Because our platform keeps growing, we list more businesses, the number of investments grows every day, and each new day brings more investors to our platform, which is our core.

The token is a mirror of our platform, and you know what that means.

14 months of 8lends! 🤩

We keep moving toward our goals. This month wasn’t about skyrocketing results, but that’s how it should be.

Not every month or year has to be thrilling; these are the moments when you scale, knowing one thing: everything is going according to plan.

🔘 Raised this month: $1,772,200
🔘 Total investors: 1743
🔘 Funded loans: $11,947,237
🔘 Loans repaid: $3,482,333

What about your investments? Have you already reached this calm phase of stable growth, or are you still building toward it?

"Trust the process," they say.

🤩 $12,000,000 ON THE BOARD!

What better way to kick off the week than with a big achievement?

✨ $12,000,000 in total funded on 8lends!

As we’ve said before, the platform keeps growing because you keep investing in businesses that keep scaling worldwide, and this mechanism won't break because we're all eager to improve.

How are you starting this week? With a big achievement or slowly but surely?

🤩 Make 8lends better with your feedback

A few years ago, this wouldn’t have meant much. But nowadays, user feedback drives real and meaningful changes in products and platforms.

The same goes for you: your positive feedback motivates us to improve your experience with 8lends, and your criticism helps us see what’s missing and what we need to fix or add.

We’re grateful to everyone who has already shared their thoughts. Thanks to you, we’ve reached:

🌐 4.9 on Google

You are the ones who can make 8lends your dream platform with just 5-10 minutes of your time.

📢 Leave your mark on Google.

💎 This makes RWA safer than 90% of crypto

Real collateral makes RWA resistant to news and politics.

If your investment is backed by real collateral, it won’t lose value unexpectedly.

We explain exactly how it works in more detail in our Medium article 🤩

medium.com/@8lends/collateral-as-the-foundation-of-sustainable-rwa-investing-cd4eab9c701e

💎 We revealed everything about how 8lends works in one video!

In this video, we tell you about:

🔘 Where the APR we offer comes from, with clear math behind it
🔘 Real businesses we list on our platform
🔘 Two layers of security on 8lends: real collateral approved by Maclear AG and Buyback
🔘 What happens on the first 7, 20, and 30 days inside the app
🔘 All the bonuses we offer you, including $8LNDS and the referral program

📍You can also check all this information in this post.

🌐 If you already know everything, feel free to leave a review for us on Google.

This video is for everyone — whether you're an experienced investor, just starting to explore 8lends, or thinking about signing up for the first time.

📱 Click to watch it on YouTube

Generating $5,000 and living on $5,000 are two completely different things.

Let's imagine two people. Both earn $5,000 a month.

🔘 The first person spends all $5,000 living a good life — restaurants, gadgets, clothes, comfort. But by the end of the month, the account is back to $0 until payday. Ten years pass. Nothing really changes (in the best case).

🔘 The second person spends $3,500 and invests the remaining $1,500 every month. Ten years later, this person may not even need to work anymore because the invested money now works for them.

❗️ The difference is that the first person will keep working after 10 years, while the other will retire after 10 years.

Why do most of us understand this, but don't act on it?

Because most of us live here and now. $100 now seems more valuable than $300 in some vague future.

We always strive for fresh beginnings, for a new hobby and life, but... Not today. Maybe next week?

On top of that, some of us just don't want to invest if they can buy a brand new iPhone, PC, or some clothes. Even moving into investments might feel like a loss, even though it's not.

So people delay the life they actually want year after year until one day they wake up at 40, wondering where all the time went.

✅ One of the ways you could break this cycle is the first positive reinforcement from your own action.

Once you do something and see the results of your actions, it's the best feeling — it sets you on the hook, and this action becomes an important part of your life, transforming into a new positive habit or even a business.

🤩 That's why the minimum investment on 8lends is just 100 USDC. We want you to give it a try – you don’t need to spend all your money. Take that first step and earn your first return.