P2P Lending Market in 2030: Our View on What’s Ahead
At Maclear, we approach growth with focus, strategy, and accountability — guided by in-depth market analysis, ongoing feature development, and an eagerness to embrace new challenges. As the global peer-to-peer (P2P) lending market evolves, we see 2030 as a natural extension of everything we’ve built so far.
According to KBV Research, the global P2P lending market is projected to reach $1.1 trillion by 2030, growing at a steady 28% CAGR. In Europe alone, the expected CAGR stands at 27.8% — a clear indicator of the growing relevance and trust in alternative finance models that prioritize accessibility, transparency, and cost-efficiency.
The Rise of DeFi and Why It Matters
Decentralized finance (DeFi) is no longer experimental, it is becoming a global financial layer. With over $56 billion in Total Value Locked (TVL) as of early 2024, DeFi continues to gain adoption across governments, institutions, and everyday users. Central banks are actively piloting digital currencies. Institutional portfolios increasingly allocate to crypto assets. Individuals are using blockchain for their real-world daily transactions.
Although DeFi changes the way the economy spins, Maclear sees it as a huge step forward.
Why P2P Platforms Will Naturally Integrate Crypto
We believe that the future of P2P lending will be built on a hybrid of proven financial discipline and decentralized tools, combining them equally. And here’s why:
– Accessibility: Blockchain removes geographic barriers for both borrowers and investors.
– Transparency: Every transaction can be verified on-chain.
– Automation: Smart contracts enable scheduled, secured repayments.
– Cost-efficiency: Without middlemen, investors benefit from higher returns.
It’s even hard to imagine a next-generation investment platform without digital integration at its core. Investors now expect faster, safer, and more transparent processes — and P2P platforms should keep up with the times. That’s how the market works and evolves.
Why We’re Building 8lends
We created 8lends to meet that exact demand: a Web3-native P2P lending platform built on real economic fundamentals and backed by Maclear’s expertise.
8lends isn’t a replacement for Maclear. It’s a new wave of Web3 investing, backed by our decent experience, Swiss-based foundation, strict due diligence, and clear investor protections. We’re bringing everything we’ve learned into a more open, accessible investment environment.
With 8lends, we aim to:
- Expand into underbanked regions in Europe and beyond — Africa and Latin America.
- Introduce hybrid P2P lending: where real-world collateral is tokenized for investor transparency.
- Simplify entry into DeFi, making it accessible to everyone.
A Look Ahead
By 2030, we envision a global financial ecosystem where:
- P2P lending is faster, more inclusive, and reaches beyond borders.
- Investors can choose between fiat or crypto-based models, or conveniently diversify across both.
- Crowdlending platforms set the bar in compliance, governance, and investor protection, without giving in to innovation.
At Maclear and 8lends, we’re building resilient financial infrastructure that’s ready for the decade ahead. Our mission is to shape a future where alternative lending is as secure as it is scalable, blending the flexibility of blockchain with the reliability of real assets.
We thank our investors, partners, and borrowers for being part of this journey.
