What we really mean by RWA-backed loans at 8lends

Our team feels the need to clarify what we mean when we say that all listed loans on the 8lends platform are backed by real-world collateral.

Simply put, that’s exactly why this article appeared here, for those investors who are interested in Web3 opportunities.

Firstly, what Is RWA?

RWA stands for Real-World Assets.

At 8lends, when we say loans are RWA-backed, we’re not talking about tokenization, blockchain-related securities, or purely digital assets. We’re referring to the real businesses operating offline that secure their loans with the tangible, verifiable assets — such as property, equipment, machinery, and company’s own capital. 

To be even more precise: it’s all about real, legally enforceable security mechanisms. And yes, it’s still perfectly compatible with cryptocurrency.

How 8lends works with RWA

We always put investor security first, going beyond promises:

• At 8lends, loan collateral is legally and physically formalized — just the way we secure it at Maclear.
• Assets are stored securely under Maclear’s control.
• Everything is backed by verified documents.
• We also conduct on-site inspections to ensure that every borrower is trustworthy and that the pledged collateral actually exists.

Before any project is listed on the platform, we ensure the collateral is real, properly assessed, and enforceable under legal agreements.

Why it matters for crypto P2P investors

RWA-backed loans offer investors something extremely valuable today — enhanced transparency and stronger security.

• The collateral is tangible, liquid, and verifiable.
• Investors can clearly understand what their funds are going to be spent on, as well as what stands behind their crypto investments in the sense of guarantees.

This creates a protected and transparent approach, with nothing hidden behind — especially important when funding small and medium-sized businesses.

We believe that, although digital technologies such as automation and online tracking can help with investment management, they are merely tools, not a replacement for real assets, which we consider to be of the utmost importance in the Web3 landscape.

What’s our take on tokenization and blockchain

We’re closely following the growth of DeFi (Decentralized Finance) and RWA tokenization trends in blockchain. And there’s no doubt that these technologies could offer exciting opportunities for scaling the 8lends platform in the future.

However, at the current stage, widespread tokenization in SME lending via P2P is not yet practical due to:

• Legal restrictions
• Technical challenges
• Market limitations

For now, we firmly believe that real-world collateral, verified through traditional legal channels, is the best way to provide reliable, protected investment opportunities for our P2P community.

Why 8lends

Creating a separate Web3 platform is our next step forward — we’re aiming at growing the investor community beyond and providing more opportunities for your portfolios. We also expand our reach to small and medium-sized businesses across Europe while sticking to our core strategy as a P2P platform. 

By including crypto investments in your portfolio, you will benefit from:

• Higher returns — up to 19.5% APR
• Automated payouts through smart contracts 
• Speedy investment process and transactions 
• Access to new markets and formats beyond traditional finance

These features are coming with the same high standards, guidelines and utmost protection as we offer at Maclear.

Learn more on 8lends: https://www.8lends.io/