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.

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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.

We rejected a company, and it's good for you.

A couple of weeks ago, we received an application from a building materials distributor from Eastern Europe. At first glance, everything looked just fine: six years in business, stable revenue, and agreements with major contractors. They needed €400,000 for warehouse expansion.

As always, we started due diligence, and that became the turning point for both us and them...

Here's what we found out 🤩

🔘 The revenue was real, but 70% of it came from a single client. If that client left, the business would instantly lose most of its cash flow.
🔘 Contracts existed, but there were no termination penalties. Legally, the client could walk away at any moment without consequences.
🔘 Warehouse equipment was offered as collateral. We checked the liquidity: the equipment was highly specialized and difficult to resell. In case of default, liquidation could take 12–18 months with a 40–50% discount.
🔘 Financial statements showed revenue growth, but margins had been shrinking for three consecutive years. In reality, the company was growing through dumping.

🤩 Solution: Rejection.

You'll never see such deals on our platform. Behind every business listed on our platform is a stack of rejected applications you never see.

❗️ And keep this in mind: More than 90% of businesses never even reach the audit stage. Before entering the review process, a company must pay for an audit itself, proving both serious intentions and confidence in its own transparency.

We reject more businesses than we approve. That’s one of the reasons 8lends has had no defaults and investors continue receiving stable monthly returns.

Pool quality isn't a coincidence. It's the work you don't see, but on which your earnings depend.

$8LNDS Heartbeat 🤩

📈 from $0.01882 to $0.01898 over the past week!

Liquidity: $876K
FDV: $1.8M
Market cap: $1.8M

🦅 Track on Dexscreener and follow us on 🪙 CoinMarketCap if you want more insights into both the token and the platform.

$8LNDS has been moving sideways for more than a month now, and that’s fine.

What do you think comes next: 📈 or 📉?

Don’t tell anyone what’s coming 🤫

We hope investing on 8lends already feels great! Because we're doing a lot to ensure that.

On top of that, we never stop building, so we've prepared some notes on what's coming soon. Let's look at that!

🔘 Secondary market

Right now, investments are locked until the loan term ends. We're well aware of this issue and are currently working on it.
The secondary market is a powerful tool that allows you to exit a position early by selling it to another user.

🔘 Crypto-backed loans

Today, we focus on funding real businesses. But in the future, we plan to launch crypto-backed loans for regular users.

You spot a market opportunity but don’t want to sell your current holdings. Instead of exiting your positions, you’ll be able to use your crypto as collateral and take a loan.

Would you use something like this? 😉

🔘 UX/UI fixes

We’re currently polishing the platform experience by improving the navigation across the platform and fixing some minor issues.

🔘 The first investment without KYC

One of the biggest onboarding barriers for new users is KYC.

That’s why we’re working on the possibility of allowing a first small investment before verification, so everyone will be able to see what's beneath the surface before diving in.

What do you think about these updates? 🤔

And what else would you like to see on 8lends that could improve your experience even further?

Why did 8lends choose USDC?

We've received this question a couple of times already, and it seems like many of you are genuinely interested in it. So, there's nothing really extraordinary about this choice 🤩

We know about EURC (a euro stablecoin from Circle), but we don't want to rush to add it to 8lends.

💲 USDC market cap is $76.87B, the volume is $13.21B. This stablecoin has survived several bear markets, crises, regulatory scrutiny, and has been operational since 2018.

🪙 EURC market cap is $451.24M, the volume is $46.16M. This stablecoin is still young and was launched only in 2022.

Yes, we agree that EURC has been doing really well so far. But we work with real money – your money – so we prefer safe plays. When it comes to 8lends, there's no room for experiments.

❗️ "But wait a minute. I'm from Europe, and I want Euro!"

We understand that. But before we answer, let's take a look at other numbers:

USDC is pegged 1:1 to the dollar, right? The euro and dollar have historically traded in a range of 1.05–1.15. The EUR/USD pair has experienced volatility of approximately 7–8% over the past year.

With a 20% annual yield, currency risk exists, but it's not critical over a one-year horizon. The yield outweighs the exchange rate difference even in a bad case.

🤔 So, are we planning to add EURC later?

Not yet. We're watching EURC closely, and even some other euro stablecoins. But we're only thinking of actually adding them to the platform when they grow big enough and prove themselves as reliable as USDC.

So we chose USDC because it is the most reliable choice among all stablecoins so far.