How to make your first investment on 8lends: minimum amount, returns, and withdrawals
06/24/2026
5 min
The minimum investment on 8lends is 100 USDC . After selecting a project, you confirm two transactions in your wallet: a spending approval and the investment itself. Monthly interest payments are distributed automatically by smart contract in USDC throughout the loan term. Your principal is returned in full at the end of the term in a single payment.
What is the minimum investment amount on 8lends?
The minimum investment per project is 100 USDC. There is no maximum. You can invest in multiple projects simultaneously — each investment is a separate position in the loan's smart contract.
Before investing, your wallet must hold at least 100 USDC on the Base network, plus a small ETH balance for gas fees — typically $1–3 is sufficient for normal activity.
Each project card shows the key parameters before you commit:
Parameter | What it means |
Lending APR | Fixed annual return you will earn |
Loan period | Term of the loan (4–16 months) |
Funding progress | How much of the pool has been filled so far |
Borrower risk level assessed by Maclear AG — same scoring methodology used on Maclear | |
Loan-to-value ratio of the collateral | |
Buyback badge | Whether the project carries a 100% principal guarantee from a third party |
How to make your first investment: step by step
Step 1. Go to app.8lends.io, connect your wallet, and ensure KYC is complete.
Step 2. Browse projects with Open status. Open the project page and review all parameters.
Step 3. Click Invest now. Enter the amount in USDC (minimum 100). Check the Terms & Investor Agreement box and click Confirm.
Step 4. Two transactions open in your wallet in sequence:
— Spending cap request: approves the smart contract to deduct the specified USDC from your wallet. Check the amount and click Confirm in your wallet. — Transaction request: executes the transfer of USDC into the loan smart contract. Click Confirm.
⚠️ MetaMask may show "This transaction is likely to fail" on the second transaction. This is a known display artefact with certain smart contract signatures on Base and does not indicate an actual failure. If the spending cap was approved, the transaction will complete correctly.
Step 5. After both confirmations, a success screen shows the investment amount, transaction ID, and contract address.
How are interest payments received on 8lends?
Interest payments are distributed automatically by the loan smart contract on a monthly schedule. You do not need to take any action to receive them.
The first payment arrives approximately one month after the pool closes — the point at which the smart contract transferred the collected funds to the borrower. After that, payments arrive monthly on the same date for the duration of the loan term.
Payments are credited to your smart contract position and visible in your Dashboard. They are not automatically sent to your wallet — you initiate the withdrawal yourself when ready.
Payment type | When it arrives | Amount |
Monthly interest | ~1 month after pool close, then monthly | Your share of the pool × APR ÷ 12 |
Principal | End of loan term, final payment | Your full invested amount |
All transactions are recorded on the Base blockchain and publicly verifiable at basescan.org.
How to withdraw funds from 8lends
Withdrawal is permissionless — it does not require approval from 8lends. You call the withdraw function directly, and the available amount transfers to your connected wallet.
To withdraw via the interface: in your Dashboard or on the project page, select the position and click Withdraw. Confirm the transaction in your wallet. Funds arrive at your wallet within seconds.
What can be withdrawn | When |
Accumulated interest | Any time after it has been paid into the smart contract |
Principal | After the borrower returns it at end of term |
Partial position | Not available — positions are not divisible |
If you need liquidity before the loan term ends, you can sell your full position on the Secondary Market in the Classifieds section at app.8lends.io/en/classifieds. A 10% commission applies to the seller. The buyer pays no fee.
What happens if the pool does not fill?
If a project pool does not reach its funding target before the deadline, the smart contract automatically returns all deposited USDC to investors' wallets. No manual action is required. The funds are available in your wallet immediately.
First investment bonus
New 8lends users who complete KYC and make their first investment of at least 100 USDC automatically receive a $30 USDC bonus credited to their account balance. No promo code or manual claim required — the bonus is added automatically after the qualifying investment is confirmed.
In addition to the base APR, every investor automatically receives a Proof of Loan bonus — +6% of their investment amount in 8LNDS tokens with a 10-month vesting schedule. Token value depends on market price at the time of sale.
Risk disclosure: Investments on 8lends involve risk, including the possible loss of principal. Returns are not guaranteed and depend on timely repayment by borrowers. Past performance does not guarantee future results. Maclear AG, registered in Switzerland, member of PolyReg SRO, a self-regulatory organization supervised by FINMA.