8lends
8lends is a Web3 crowdlending platform operated by Alpha Systems LLC, registered in Saint Vincent and the Grenadines, with loan underwriting and collateral management handled by its Swiss partner Maclear AG. Investors fund vetted small-business and project loans denominated in the USDC stablecoin and settled on the Base blockchain. The loans are typically interest-only, with the principal repaid in a single lump sum at maturity; a secondary market for selling positions early is planned but not yet live. 8lends provides a multi-language 'Financial Statement' export in a report currency of your choice.
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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)
22.1%
Based on 5 investor portfolios
Middle 50% of investors
Combined portfolio value
€37,714
Investors on P2P Dash
20
Interest earned all-time
€6,144
Median cash drag
1.2%
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.
20.4%
2025
24.4%
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
+€19,085
20 investors tracking
In Q2 2026, 8lends ranks 37 of 46 platforms by net capital flow. See all capital flows for Q2 2026 →
8lends investors also track
Share of 8lends investors on P2P Dash who also track each of these platforms: anonymized community data, shown only where at least 10 investors overlap.
Alternatives to 8lends
Platforms in the same asset class, drawn from the community ranking of real portfolio data: selected by numbers, not commissions.
The Best P2P Lending Platforms 2026
Every ranking on this page is aggregated from the real, anonymized portfolio data of 1,779 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: Switzerland). 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 5 8lends portfolios tracked on P2P Dash, the median net return (XIRR) is 22.1%. The middle 50% of investors earn between 20.5% and 53.6% (as of August 6, 2026).
How many investors track 8lends on P2P Dash?
20 investors track their 8lends portfolios on P2P Dash, with a combined portfolio value of €37,714 and €6,144 in interest earned all-time.
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?
Yes, 8lends offers a buyback guarantee: if a loan is overdue beyond a set period, it is repurchased. Keep in mind that a guarantee is only as strong as the party standing behind it.
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.