8lends

Saint Vincent & the Grenadines · Empresas · Fundada 2025

A nossa nota

3,4

Retorno médio

25,0%

máximo anunciado

Provisória — a plataforma tem menos de dois anos e ainda não tem historial significativo.

Regulação: 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 bónus de boas-vindas

Abrir uma conta na 8lends Ler a análise completa Ver as condições do bónus

Link de parceria — podemos receber uma comissão, sem custo adicional para si. Não afecta a nota acima.

O nosso veredicto

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.

Ler a nossa análise completa da 8lendsRegulação, rendimentos, comissões, riscos e o nosso veredicto, em detalhe (em inglês).

O que funciona

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

O que não funciona

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

Para quem é

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.

Como se decompõe a nota

Como esta pontuação é calculada

Regulação30%2.5/10

Historial25%3.4/10

Transparência15%2.0/10

Liquidez15%6.5/10

Diversificação10%3.5/10

Rendimento plausível5%3.0/10

Cada dimensão é pontuada de 0 a 10 a partir de dados documentados, depois multiplicada pelo seu peso e somada. Só se arredonda no fim.

Número retirado de: www.8lends.io · 19 de set. de 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.

Esta plataforma bloqueou a nossa verificação automática, por isso este número vem da leitura anterior e não foi confirmado hoje.