Understanding On-Chain Crowdlending in 2025: Insights from the 8lends Platform
8lends leverages blockchain to offer regulated, asset-backed on-chain crowdlending with high returns and transparency for investors.Summary
On-chain crowdlending, exemplified by the 8lends platform, is maturing as a successful DeFi application by automating lending via smart contracts without intermediaries. 8lends, launched by Swiss fintech Maclear AG, provides a Web3 version of P2P lending, offering interest rates up to 25% and having already raised over $5M. A key differentiator is its commitment to regulated, asset-backed lending, where USDC loans are collateralized by real-world assets like property, and borrowers undergo strict KYC/AML checks. The process involves borrowers applying, the platform scoring their health across 40 points, and lenders investing with a minimum of $100. The platform supports major wallets and focuses on projects in green energy and agriculture. For 2025, 8lends maintains a strong outlook, with a median APR around 23%, no fees for investors, and successful audits by Certik and Cyberscope, positioning it as a stable bridge between traditional credit standards and blockchain efficiency.
(Source：BeInCrypto)