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Investment perfecion
at its finest

Our team created a next-generation P2P investment platform for you. Take the first step today for your safe tomorrow

Our story

Back in 2019, when the pandemic hit the world, Alexander Lang and Denis Ustjev started to seek opportunities to support small and medium-sized businesses struggling to stay afloat and needing additional financing during such an unstable time. With extensive experience in investing, business consulting, and project development, they united around a shared vision: creating a crowdlending platform that would be transparent, user-friendly, and well-regulated. Their goal was to connect Swiss and EU investors with a diverse range of EU-based businesses in need of additional financing, offering an efficient and accessible alternative to conventional bank loans.

In 2020, they turned this vision into reality by acquiring Maclear AG, a company previously focused on developing complex GRC software solutions. Under their leadership, Maclear was reprofiled into a new venture, supported by a growing team of highly skilled professionals with years of experience. Our journey began with the first fundraising campaign in August 2023. Maclear started working with business projects in the Baltic countries.

Through time and teamwork, we have successfully expanded our reach to neighboring EU countries, offering a wider range of opportunities to our investors.Today, Maclear stands as a reliable P2P lending platform powered by complex and unique software, including built-in risk assessment tools and a robust scoring model. As a Swiss-based company, we operate under Swiss financial regulations and legislation.

Maclear AG is also a proud member of PolyReg SRO, regulated and monitored by Swiss financial authorities. This status enables us to act as a financial intermediary in the non-banking sector both within and from Switzerland. Swiss regulation imposes stringent standards on Compliance, AML, KYC, GDPR, and related areas. These norms prioritize investor protection and ensure awareness of both existing and potential risks.

Denis Ustjev, one of the co-founders, brings valuable expertise from his extensive background in business consulting, capital investment, business loans management, and senior management roles in multinational companies. His diverse experience across Estonia, Azerbaijan, and the United States has taught him practical financial knowledge in various cultural and geographical contexts.

The second co-founder, Aleksandr Lang, is critical in project selection, leveraging his expertise in foreign trade and industrial projects. Denis and Aleksandr draw upon their connections and networks, particularly in Estonia, to evaluate projects for potential listing on the platform.

Alexej Martin, the third director, contributes relevant banking experience as a relationship manager at MBaer Bank, CH, as a secondary AML/Compliance Officer. This reinforces the company’s commitment to a comprehensive and transparent approach.

The Maclear AG team combines its expertise, networks, and stringent risk assessment processes to create a reputable and reliable crowdlending platform that benefits investors and borrowers.

Market research

Due to several advantages, Switzerland was chosen as the jurisdiction for Maclear AG's crowdfunding activity. The country's strong and stable financial system and its regulatory framework for financial intermediaries provide investor protection and ensure transparency.

Switzerland's reputation for reliability and adherence to high regulatory standards enhances the credibility of crowdlending platforms operating within its jurisdiction. Additionally, the country's strong legal system, international connectivity, and access to capital make it an attractive choice for crowd-lending activities.

Maclear launch

In 2022 we created the Maclear platform.

As a result of knowledge and skills accumulated over the years, we have created an advanced p2p-lending Platform for safely investing in various business projects, start-ups, and innovative ideas.

All borrowers undergo a thorough check of their business and financial models, owners and management structure, current capitalization, and business processes transparency.

Maclear platform embodies years of our experience in administering complex projects, risk management, and implementation of efficient compliance.

Maclear’s Next Chapter: Launching 8lends

Real-World Asset Security
Projects are backed by tangible collateral, like real estate or corporate assets, for unmatched investor trust
Inclusive High Returns
Earn up to 25.0% APR with investments from $100 USDC, opening DeFi to everyone, everywhere
Empowering Global Access
From SMEs to underbanked regions, 8lends unlocks capital for diverse projects worldwide
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Maclear — your way
to stability

Our investors have chosen Maclear for its risk-free procedures, robust financial security, profitable referral and loyalty programs, easy-to-use platform and high returns. Become an investor on Maclear today
01
Forget about payment delays. With Maclear, you always get your profit on time
02
Each project is carefully monitored until the principal is repaid
03
We have experience in the FinTech industry, and we know what our clients need
04
Maclear uses a proprietary risk assessment system for all investment requests

Swiss regulation

Maclear AG is a P2P lending platform organized thoroughly following the Swiss financial market rules and regulations. According to the law, our company is regulated, verified, and monitored by the SRO (Self-Regulated Organisation membership). We proudly declare that we are a PolyReg Services GmbH member and comply with all applicable AML and GDPR requirements.
SROs in Switzerland set high professional standards for their members, ensuring that employees possess the necessary expertise to operate effectively in the non-banking financial sector. Crowdlending companies regulated by an SRO benefit from the credibility and oversight provided by the SRO, which enforces compliance with industry standards and conducts audits.
The company successfully underwent an audit conducted by Grant Thornton AG in November 2024. This audit validated Maclear AG's readiness for crowd-lending activities and its strict adherence to Swiss AMLA regulations.

Maclear AG complies with all GDPR (General Data Protection Regulation), KYC (Know Your Customer), and AML (Anti-Money Laundering) guidelines. To guarantee compliance, we have partnered with a global identity verification provider Sumsub.
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Team

Denis Ustjev
CEO & Co-Founder
Switzerland
Aleksandr Lang
CFO & Co-Founder
Switzerland
Alexej Martin
Director, AMLA office
Switzerland
Simon Brauchli
Chief Accountant
Switzerland

We created Maclear
for you

Mission
We provide the carefully selected investment projects and exceptional service that together provide the most efficient and reliable way to connect investors with a real business, growing and developing commercial projects, innovative ideas, and perspective startups.
Vision
In a period of permanent crises and pandemics, we allow our investors to earn up to 15.6% return from invested funds. Maclear allows a prospective business to thrive with high service standards and maximum protection for all parties involved.
Business Application
Maclear AG offers a multi-level platform where investors access diversified, proven international opportunities with low entry thresholds and full transparency. Borrowers can secure funding quickly on favorable terms to grow their businesses. Operating under Swiss jurisdiction and regulated by an SRO, we inspire trust through Switzerland’s strong financial integrity and investor protection standards.