8lends
8lends funds loans to small and medium-sized companies, and increasingly to lending companies that pass the money on, with Kenya by far the largest market. Investors hold a claim on a single loan, denominated in the USDC stablecoin and settled on the Base blockchain from their own wallet, so the platform never holds the money. Loans pay interest during the term and repay the principal in one sum at the end, positions can be offered to other investors on a secondary market, and a separate Cryptolending product puts USDC into pools lent against Bitcoin and Ethereum collateral with no fixed term. Since 1 July 2026 the investor contracts with Clearchain Corp. in British Columbia, Canada, registered with FINTRAC as a money services business; until then the counterparty was Alpha Systems LLC in Saint Vincent and the Grenadines. Borrower checks and the monitoring of collateral are contracted out to Maclear AG in Switzerland, which runs the Maclear platform and whose two board members are 8lends' two founders.
Support us by using our affiliate link: you usually get a bonus and we get a kickback. Thank you!
8lends in real numbers
Anonymized statistics from all 8lends portfolios tracked on P2P Dash: real investor data, not the platform's marketing numbers.
Median net return (XIRR)
22.9%
Based on 9 investor portfolios
Middle 50% of investors
Investor sentiment
Based on 8 stated strategies
Combined portfolio value
€150,477
Investors on P2P Dash
43
Interest earned all-time
€13,255
Median cash drag
6.0%
Share of funds sitting uninvested
Important Notes
- Export your 'Financial Statement' as an XLSX file. German, Spanish and English exports are supported.
- We import the original USDC amounts 1:1 (treated as your account currency, without conversion). We deliberately do not use the statement's converted EUR column, so that exchange-rate fluctuations between an investment and its repayment cannot distort the interest/principal split.
- 8lends reports interest and principal together in a single withdrawal row. The importer reconstructs the split: periodic payments are treated as interest, and the final lump payment as principal (the invested amount) plus its remaining interest, matching 8lends' own USDC totals.
- The split assumes interest-only bullet loans. Sales on the secondary market are booked as a return of capital (the export provides no breakdown), and a partial principal repayment of less than half of the outstanding capital would be counted as interest. If your account includes such cases, please double-check the imported figures.
8lends returns over time
Median annual return of 8lends investors on P2P Dash, per calendar year. Years with too few investors to publish are left out.
Last 12 months
25.1%
5 investors
20.6%
2025
24.5%
2026
Is money moving into 8lends?
Monthly deposits minus withdrawals across 8lends investors on P2P Dash. Positive means the community is putting money in, negative means it is coming out.
Net flow, last 12 months
+€112,790
43 investors tracking
In Q3 2026, 8lends ranks 23 of 50 platforms by net capital flow. See all capital flows for Q3 2026 →
Alternatives to 8lends
Platforms in the same asset class, drawn from the community ranking of real portfolio data: selected by numbers, not commissions.
About this data: The figures on this page are aggregated from anonymized data that P2P Dash users import themselves, plus platform details we maintain by hand. We check both, but we cannot guarantee that they are complete or free of errors. Spotted a mistake? Write to tim@newnow.de and we will correct it.
The Best P2P Lending Platforms 2026
Every ranking on this page is aggregated from the real, anonymized portfolio data of 1,981 investors and recalculated nightly. No editorial opinion, no paid placements: the data alone sets the order.
Frequently asked questions about 8lends
Answers based on anonymized community data from P2P Dash investors.
What is 8lends?
8lends is a peer-to-peer lending platform, founded in 2025 (headquarters: Canada). On P2P Dash, investors import their 8lends account statements to track the real net return they earn there.
What return do investors actually earn with 8lends?
Across 9 8lends portfolios tracked on P2P Dash, the median net return (XIRR) is 22.9%. The middle 50% of investors earn between 22.1% and 53.6% (as of September 18, 2026).
How many investors track 8lends on P2P Dash?
43 investors track their 8lends portfolios on P2P Dash, with a combined portfolio value of €150,477 and €13,255 in interest earned all-time.
Are investors currently adding or withdrawing money at 8lends?
Of 8 stated strategies for 8lends, 75% plan to add funds or reinvest, 0% intend to hold, and 25% plan to reduce or exit (as of September 18, 2026).
Is 8lends regulated?
No, 8lends does not hold a financial license. Unregulated platforms can offer higher rates, but investors have less protection if the platform runs into difficulties.
Does 8lends offer a buyback guarantee?
No, 8lends does not offer a buyback guarantee, so the credit risk of each investment stays with the investor.
How do I analyze my 8lends portfolio?
Export your transaction history from 8lends (xlsx) and import it into P2P Dash for free. You get your real net return (XIRR), cash drag, income projections and more, across all your P2P platforms in one dashboard.
What are alternatives to 8lends?
Based on the community ranking, the closest alternatives to 8lends in the same asset class are Debitum, Triple Dragon Funding, Maclear. Each platform page shows real median returns and investor numbers from the P2P Dash community.