Can Web3 Crowdlending Become a Sustainable Yield Model for DeFi Investors? A Conversation With 8lends’ Aleksander Lang
8lends' Aleksander Lang discusses how Web3 crowdlending bridges traditional credit discipline with DeFi access to create sustainable, real-world-backed yield.Summary
The article features an interview with Aleksander Lang, CFO & Co-Founder of Maclear (the company behind 8lends), exploring how Web3 crowdlending can offer sustainable yield for DeFi investors by connecting them to real-world business loans, exemplified by Gold Car Rent securing fleet expansion capital.
Lang contrasts traditional P2P lending's jurisdictional limits and DeFi's past reliance on unsustainable, incentive-driven yields (like Terra's Anchor Protocol) with 8lends' hybrid model. This model applies rigorous, traditional credit underwriting and monitoring processes onto Web3 infrastructure to enhance transparency and global access.
8lends focuses on returns tied directly to business performance and cash flow, not token incentives. They utilize a 'Proof of Loan' mechanism where the native token, 8LNDS, rewards participation but does not dictate the core lending yield. Lang asserts that for Web3 crowdlending to achieve mainstream adoption, it must prove its stability through transparency, clear risk assessment, and returns derived solely from actual loan repayments, treating fixed-term loans as such.
(Source：BeInCrypto)