How to invest on 8lends: Step-by-step beginner’s guide

This guide is created together with Alex, our seasoned crypto investor, specially for the Maclear investors who want to explore the 8lends platform and make their first crypto investment. It’s that simple that you can rely on the tutorial even if you’ve never bought cryptocurrency before.

Stay with us — you’re just 6 steps away from P2P crypto crowdlending.

Intro: What is 8lends? 

8lends is a Swiss-regulated P2P crypto crowdlending platform that connects small & medium-sized enterprises in need of funding with investors who seek high-yield, secure opportunities and want to make a real impact.

Our model is built on direct business investments — with no middlemen and no unnecessary fees. This approach offers the potential for returns of up to 25.0%. All loans listed on the platform are fully collateralized by real-world assets, ensuring maximum security and transparency.

By leveraging crypto, we expand our reach to a global investor base and provide fast, borderless funding to promising but underfinanced businesses. 

At 8lends, we believe in making crypto easy and accessible for everyone.

Step 1: Create a Binance account

1. Go to Binance: Binance Registration Link
2. Complete identity verification (KYC).
3. Add funds in EUR via card or bank transfer.

Tips:

• Bank transfer usually costs only €1 per transaction.
• Buy EUR first, then convert to USDC — it reduces currency conversion fees.
• A referral link can give you fee discounts and protect you from phishing scams.
• Currently, the EUR is strong against the USD — a good time to buy USDC.

Using Binance is Alex’s personal recommendation. You can choose any other crypto platform you prefer. Some examples: Bybit, Coinbase, Kraken, Bitstamp.

Step 2: Buy USDC on Binance

1. After KYC approval, go to Deposit => Deposit EUR.
2. Choose Bank Transfer for the lowest fees.
3. Convert EUR to USDC: 1) Go to Trade => Convert, 2) Select EUR => USDC, then confirm.

Step 3: Install MetaMask wallet

1. Install the MetaMask browser extension or mobile app.
2. Create a password for security.
3. Save your 12-word recovery phrase somewhere safe (offline).
4. Never share this phrase — it’s your wallet’s master key.

Using MetaMask is Alex’s personal recommendation. To start investing on 8lends, you can connect any of the 140 supported crypto wallets, including Binance wallet directly, Trust Wallet, Bybit, Uniswap, and OKX wallets.

Step 4: Transfer USDC to MetaMask

1. On Binance, go to Withdraw Crypto.
2. Select USDC and Base network.
3. On MetaMask, switch to the Base network, click Receive, copy your wallet address, and paste it into Binance.
4. Also buy €2–3 worth of ETH on Binance and send it to MetaMask (for transaction fees).

8lends reimburses transaction fees after your investment is processed.

Coming soon: Crypto exchange by Maclear

Currently, we’re working on launching MacPay — our own fiat-to-crypto exchange platform. This service will let you easily buy, sell, and convert cryptocurrencies using EUR.

Designed for your convenience, MacPay is perfect for everyday transactions as well as investment purposes of both individuals and businesses.

There will also be a special benefit for Maclear investors: a 0% ramp-on fee when converting EUR to USDC, making your investments even more cost-effective.

Stay tuned — we’ll share all the details on the Maclear Telegram channel!

Step 5: Verify your 8lends account

1. Go to the 8lends platform
2. Connect your MetaMask wallet.
3. Complete KYC verification.
4. Enable 2FA (Two-Factor Authentication) for extra security.
5. Add your crypto and fiat wallets to your profile.

Pro tip for earning a referral bonus: Whether you’re signing up yourself or inviting others, be sure that the wallet connection and registration happen using your specific referral link. If the registration isn’t done via your link, the referral won’t be tracked, and you won’t receive the bonus.

Step 6: Make your first investment

1. Browse available projects and select the one you like, depending on the interest rate, duration, risk rating, and collateral.
2. Enter the investment amount in USDC.
3. Confirm — funds will be deducted from your MetaMask wallet.
4. Track your investments in the Dashboard.
5. Diversify your portfolio to balance risk and return.

What is USDC?

USDC (USD Coin) is a stablecoin designed to maintain a 1:1 peg with the US dollar. It was launched in 2018 by the Centre Consortium, founded by Circle and Coinbase.

Every USDC in circulation is backed by one US dollar or equivalent liquid assets, ensuring price stability and providing a more reliable alternative to highly volatile cryptocurrencies.

USDC’s transparency is supported by monthly attestations from an independent third party and annual audits under the supervision of the U.S. Securities and Exchange Commission (SEC). This guarantees that each USDC is always fully backed by actual reserves.

Why Binance?

• Regulated and compliant in Europe, though it’s important to check your country’s jurisdiction.
• High liquidity for fast USDC transactions.
• Competitive fees.
• User-friendly interface.

Why MetaMask?

• Most widely adopted Web3 wallet.
• Full control over private keys.
• Advanced security features.

✅ Why choose 8lends?

• High yields — up to 25.0% interest
• Collateral-backed loans — secured by real-world assets
• Swiss-regulated and monitored by Maclear — strong investor protection
• Full transparency — every loan is traceable and auditable

Enroll in our Free Crypto Course to learn more about crypto investing and get a 45 USDC bonus upon completion**.

*bonus is available to new 8lends investors who complete the course and make their first investment of at least 100 USDC.

*for investors registered earlier, the bonus is 15 USDC upon completion and an investment of at least 100 USDC.