How liquid is the Maclear Secondary Market: volume and typical time to sell

The Maclear Secondary Market has cleared €16.26 million across 65,079 trades since launching in May 2024. The median time between listing and sale is approximately three hours. Every listing created between June 2025 and March 2026 found a buyer before the 14-day window closed — a 100% sell-through rate across ten consecutive monthly cohorts.

Volume and growth

Monthly trade count scaled from 1,380 in June 2025 to 9,564 in March 2026 — approximately a 7× increase in nine months. At the current run rate, the Maclear Secondary Market absorbs roughly €74,000 in claims every day on average. 97% of all Secondary Market volume ever processed on Maclear was cleared in the last 12 months alone.

Source: Maclear platform data, anchored to 11 May 2026.

Time to sell

The median time to sell across 45,530 sold listings in the last six months is approximately 3 hours and 5 minutes. The arithmetic mean over the same period is ~21 hours — pulled upward by a small tail of listings priced above what the order book was willing to absorb at the time.

Source: Maclear platform data, 45,530 sold listings, last six months ending 11 May 2026.

One in three listings sells within the first hour. Four in five sell within the first day. The fastest sale on record closed one second after listing.

Sell-through rate

Every listing created between June 2025 and March 2026 found a buyer before its 14-day window expired — 100% sell-through across all ten fully-closed monthly cohorts. April 2026 stands at 96.4% with the remainder still inside active listing windows as of 11 May 2026.

Source: Maclear platform data.

Does ticket size affect liquidity?

No. Listings in the €10–49 range and listings in the €250–499 range clear at comparable median speed. Two clusters dominate the order book: small retail listings (€10–49, 47% of trades) and mid-range listings (€250–499, 45% of trades and ~84% of volume). The largest single sale on record closed at €11,647.

Source: Maclear platform data, last six months.

What to expect when planning an exit

Three practical expectations follow from the data:

— Plan for a one-day exit, not a multi-week exit. Median time to sell is ~3 hours; 81% of listings sell within 24 hours. — A one-week window is the realistic worst case. 97% of listings clear within 7 days. — Ticket size is not a barrier. A €30 listing and a €400 listing face the same liquidity profile.

These figures describe historical behavior of the Maclear Secondary Market between May 2024 and May 2026 and are not a guarantee of future liquidity. Liquidity on any P2P secondary market depends on aggregate buyer demand at the time of listing, which can change with market conditions.

How long does it typically take to sell on the Maclear Secondary Market?

Based on platform data from the last six months: the median is approximately 3 hours. 80.7% of listings sell within 24 hours. 97% sell within 7 days. The 14-day cases are rare and typically involve listings priced above what the current order book is willing to absorb.

What can I do to improve my chances of selling on the Secondary Market?

Applying a discount is the most direct lever. No seller fee is charged if the investment does not sell — so an unsold listing has no cost beyond the time it was active.

What happens if my listing is not sold?

The listing is removed automatically after 14 days. No fee is charged. The investment remains in your portfolio and the loan continues on the original repayment schedule until maturity.

Maclear AG, registered in Switzerland, member of PolyReg SRO, a self-regulatory organization supervised by FINMA.