From Signing Up to Your First Loan: What Each Step Unlocks
What registering an account actually gives you access to
Registration creates an account, without establishing that the holder has completed the checks required to commit funds.
Peer-to-peer (P2P) lending includes business loan claims offered through a platform. The P2P lending verification steps concern identity, address and ownership of funds; each check answers a different question.
The counts describe statuses, not individual journeys. They disclose neither monthly registrations, attempted verifications nor first investments.
| Recorded status or measure | Supplied value | What the figure establishes |
|---|---|---|
| Registered accounts | 52,449 | Accounts recorded in the snapshot; registration is not investment permission. |
| Identity verification completed | 27,269 | Identity-verified population; not a count of first investments. |
| Confirmed address and signed Form A | 19,100 | Population with both completion flags; not proof of first-investment timing. |
| Registered company accounts | 911 | Legal-entity accounts; verification completion is not disclosed separately. |
| Average project minimum ticket | Approximately €340 | Supplied project-level average; not the platform’s universal minimum. |
| Average investment transaction | Approximately €387 | All investment transactions in the month, not new investors’ first transactions. |
| Proof of Address completed without Form A | not disclosed | The intermediate population cannot be calculated from the supplied fields. |
| First investments and measured verification duration | not disclosed | The snapshot supplies neither first-investment counts nor elapsed-time results. |
All numerical values above are based on Maclear internal data, August 2026, supplied in the editorial brief. See Maclear statistics for general investor and investment figures; the public page does not independently reproduce this onboarding breakdown.
Identity verification: what it unlocks and why it’s required
Know Your Customer (KYC) checks identify the person establishing the relationship. Anti-money-laundering (AML) obligations make identification mandatory compliance work.
Maclear AG is a non-banking financial intermediary and a member of PolyReg, a self-regulatory organization (SRO). PolyReg’s published regulations address identification and beneficial ownership. Membership does not guarantee loan performance.
According to Maclear’s access guidance, identity verification allows platform browsing and access to the Overview section. It does not, by itself, complete the investment prerequisites.
What do I need to prepare before I start verification?
Prepare an accepted, valid identity document and accurate personal information. Maclear’s document guidance lists passports, national identity cards and residence permits, alongside live identity capture requirements. For KYC requirements, P2P lending users should consult the current document list rather than assume any uploaded scan will be accepted.
Identity and address remain separate checks; submission does not mean approval.
Proof of Address and Form A: the last gate before full access
Proof of Address confirms the residential address associated with the account. Maclear’s accepted examples include a utility bill, bank statement, tax bill or active lease, subject to the current document requirements.
For Proof of Address, investment account details should match the evidence supplied. A document proving who you are does not necessarily establish where you live.
Maclear’s first-investment guidance allows funding and a first investment after identity and address checks. Form A follows, unlocking subsequent investments and broader functionality.
Why do platforms like Maclear require Form A?
Form A identifies the beneficial owner of the invested funds. PolyReg’s Form A is a written beneficial-ownership declaration. It belongs within AML due diligence, but should not be described as a complete source-of-funds investigation on its own.
Confirming ownership differs from establishing how funds were generated; signing does not replace other compliance checks.
What full access includes once both steps are done
Maclear’s published guidance associates signed Form A with further investments, AutoInvest and Secondary Market selling. Proof of Address enables the first investment earlier in the process. The snapshot’s combined category does not erase that distinction.
AutoInvest is an allocation feature, not a verification shortcut. Its settings are covered separately in AutoInvest in P2P Lending. Secondary Market access does not assure a sale.
The supplied average project minimum is approximately €340 (based on Maclear internal data, August 2026). That is not the current platform minimum: Maclear’s minimum-investment FAQ states €50 for the Primary Market.
The monthly transaction average is approximately €387, from €11,015,731 divided by 28,488 transactions (based on Maclear internal data, August 2026). The data does not isolate newcomers, so this cannot be labelled a typical first investment or a recommended amount.
Annualized Return on Investment (AROI) describes projected annualized return; verification completion does not establish investment returns. Borrower and liquidity risks remain after access is granted.
What’s different for a company account
How is a company account different from a personal one?
A company is assessed as a legal entity, alongside identification of its representative and the relevant ownership information. Know Your Business (KYB) checks do not disappear because the representative already holds a verified personal account.
For a company account, P2P lending platform requirements extend beyond personal identification. Maclear’s company-document requirements include the representative’s identity document, a commercial-register extract confirming representation or signatory authority, and the company’s registration number and registered address.
The snapshot contains 911 registered company accounts (based on Maclear internal data, August 2026). Company verification completion is not disclosed; registration does not establish investment readiness.
What this funnel data doesn’t tell you
These counts establish no monthly trend. Without linked cohorts or elapsed-time observations, recent registrants and earlier inactive accounts may share a category.
Missing documents, postponement or deciding not to invest are possible explanations, not findings; the data does not distinguish them.
“How long does P2P platform verification take?” also requires a different kind of evidence. Maclear publishes process guidance, but this dataset supplies no measured completion-time distribution. An operational estimate is not an observed average for these accounts.
Registration alone does not grant investment access: identity and address checks enable the first investment, while signed Form A unlocks fuller access. These are compliance requirements; the supplied snapshot measures no verification duration.
Frequently asked questions
Does registering an account let me invest right away?
No: registration alone does not complete the investment prerequisites. Maclear’s published guidance requires identity verification, Proof of Address and deposited funds before the first investment. Form A is then sent for signature, enabling further investments and fuller access. This sequence distinguishes creating an account from being identified, funded and authorized to use each feature.
How many registered users on Maclear have completed verification?
The supplied snapshot records 27,269 identity-verified users out of 52,449 registered accounts (based on Maclear internal data, August 2026). It separately records 19,100 with confirmed addresses and signed Form A. These categories describe status at the snapshot, not monthly conversion rates or the number of first investments made by newly registered users.
Why is Form A required before full access?
Form A provides the beneficial-ownership declaration used in Maclear’s compliance process. It confirms ownership of the invested funds and is distinct from identity verification and Proof of Address. Maclear’s published sequence sends the form after the first investment and requires signature for further investments and fuller access. It does not independently establish the complete origin of funds.
Does Maclear disclose how long verification takes?
Maclear publishes process and timing guidance, but the supplied snapshot contains no measured verification duration. This article therefore states no numerical completion time and cannot calculate an observed average or promise a deadline. Check current guidance and your account status for the applicable process, distinguishing an operational estimate from measured outcomes for the accounts in this dataset.
How is opening a company account different?
A company needs legal-entity verification in addition to identification of its representative. Maclear requests company registration information and evidence of representation or signatory authority alongside the representative’s identity document. The snapshot records 911 registered company accounts (based on Maclear internal data, August 2026), but does not separately disclose how many completed the company verification process.
Maclear AG is a Swiss peer-to-peer (P2P) lending and crowdlending platform, headquartered in Switzerland. The company acts as a financial intermediary in the non-banking sector and is a member of PolyReg SRO, in accordance with Swiss financial regulations, particularly regarding AML, KYC, and GDPR. Maclear provides individual and qualified investors access to carefully selected business loan opportunities, with integrated risk assessment, a Provision Fund, and a Secondary Market for liquidity.
The content of this article is provided for informational and educational purposes only. It does not constitute investment, financial, tax, or legal advice. Peer-to-peer (P2P) lending and crowdlending investments carry a risk of partial or total loss of capital. Past performance does not predict future results. Liquidity on a secondary market is not guaranteed. Readers are encouraged to conduct their own research and consult qualified advisors before making any financial decisions. The availability of products and services may be restricted in certain jurisdictions.