8lends

Saint Vincent & the Grenadines · Entreprises · Créée en 2025

Notre score

3,4

Rendement moyen

25,0%

maximum annoncé

Provisoire — la plateforme a moins de deux ans et n'a pas encore d'historique significatif.

Régulation: No financial licence. A virtual-asset registration in Saint Vincent & the Grenadines and a Canadian money-services registration; neither is prudential supervision

30 USDC de bonus de bienvenue

Ouvrir un compte 8lends Lire l'analyse complète Voir les conditions du bonus

Lien partenaire — nous pouvons percevoir une commission, sans coût supplémentaire pour vous. Cela n'influence pas le score ci-dessus.

Notre verdict

8lends funds short business loans to firms in developing markets in stablecoins, through smart contracts on the public Base blockchain, and advertises 25% a year. Its About Us page and regulation FAQ name Alpha Systems LLC of Saint Vincent and the Grenadines as operator, while the terms investors accept (effective 1 July 2026) name Clearchain Corp. of British Columbia and cap its liability at the greater of 12 months' fees or CAD 1,000. There is no financial licence anywhere in that structure, no published accounts and no default or recovery statistics, and the buyback on selected projects comes from a partner 8lends does not name. It reports no losses since launch in March 2025, and because it shares its founders and its collateral agent, Maclear AG, with Maclear, holding both is one bet rather than two.

Lire notre avis complet sur 8lendsRégulation, rendements, frais, risques et notre verdict, en détail (en anglais).

Ce qui fonctionne

Loan funding and repayments run through smart contracts on the public Base blockchain, so the mechanics can be inspected even where the company cannot
Two ways out early for business lending: a secondary market plus a Fastlending pool with no fixed term
Badged projects carry a buyback of 100% of principal after 60 days from a third-party partner, which 8lends itself says is not a guarantee
Its regulation FAQ states plainly that no regulator insures investments, and 8lends reports no loan has lost money since March 2025

Ce qui ne fonctionne pas

Two different operators in its own documents: Alpha Systems LLC (Saint Vincent) in the FAQ, Clearchain Corp. (Canada) in the binding terms
No financial licence or compensation scheme: its virtual-asset and money-services registrations are not lending supervision
No entity publishes accounts, default or recovery data, and the buyback partner is unnamed, so its strength cannot be judged
Same founders as Maclear, with Maclear AG as collateral agent vetting 8lends borrowers, and Maclear's unaudited 2024 report shows negative equity

À qui cela s'adresse

Crypto-literate investors who want a small, speculative stablecoin position they could lose in full, and who are not counting on it to diversify a Maclear holding.

Détail du score

Comment ce score est calculé

Régulation30%2.5/10

Historique25%3.4/10

Transparence15%2.0/10

Liquidité15%6.5/10

Diversification10%3.5/10

Rendement plausible5%3.0/10

Chaque dimension est notée de 0 à 10 à partir de données documentées, puis multipliée par son poids et additionnée. Rien n'est arrondi avant la fin.

Chiffre relevé sur: www.8lends.io · 19 sept. 2026 · Advertised 'up to 25% APR'; conservative loans are quoted at 12-15%. Minimum is USD 100 in stablecoin, shown here as its approximate euro equivalent. No audited accounts exist to reconcile any figure against.

Cette plateforme a bloqué notre vérification automatique : ce chiffre provient du relevé précédent et n'a pas été confirmé aujourd'hui.