The Benefits of Maclear’s Continuous Auditing for Investors
19.02.2026
7
One of the first considerations whenever one engages in crowdlending or other financial transactions online is the legitimacy of the platform. This is absolutely wise, especially if one is totally new to alternative digital platform models. That’s why, in every country, such platforms are required to be licensed. To verify that an organization is duly registered with the appropriate authority, they are required to display with which authority they’re registered with.
These licensing authorities, which primarily come in the form of a government agency or an independent organization tasked with licensing platforms within the government’s regulations, then provide the complete list of organizations registered with them and authorized to provide said financial services. Maclear, for instance, is displayed on PolyReg’s organizations list. It chose Switzerland for registration since it has been a haven of security and a boon for banking.
The ways in which Maclear guarantees the safety of its investors’ and borrowers’ funds are extremely comprehensive. Assured due to the watchful eye of PolyReg, now having in operation for 25 years, in addition to Maclear’s own automation and internal training and policy, Maclear undergoes annual audits. Should anything come up of any concern with PolyReg’s members, they are subjected to surprise audits as well.
Maclear’s regular audits are not theoretical or high-level box-ticking exercises. They are practical, document-driven examinations of how the platform functions in real time, with a clear focus on protecting investor interests and ensuring that every operational layer works exactly as designed. The scope of these audits reflects the fact that Maclear operates as a financial intermediary under Swiss law.
Segregation of Investor Funds
PolyReg reviews how uninvested client money is held, repayment flows are processed, and funds move between borrower, platform, and investor accounts. The objective is to confirm that client assets remain fully segregated from Maclear’s own operational finances at all times, with no commingling, unauthorized access, or balance-sheet exposure. This is regulated under Article 401 of the Swiss Code of Obligations.
Borrower Onboarding
We have our own home-grown method for strictly filtering out loan applicants to make sure they’re qualified and produce a credit score for them on that basis. The formula we use is based on 14 different factors and is based on the methods of the top 3 credit scoring agencies. They’re all required to pledge collateral as well, which lenders gain rights to should a default ever occur. So far, there has only been one in Maclear’s history.
Auditors study:
Credit assessments
How borrowers are identified, risks are assessed, and collateral documentation
The internal approval processes to ensure that decisions are made consistently and in line with declared policies rather than discretion or shortcuts.
The goal is to verify that every listed project has passed through the same structured screening process, regardless of size or geography.
Transaction Monitoring and Reporting Systems
Auditors analyze how Maclear tracks payments, detects anomalies, and flags unusual activity across the lifecycle of a loan.
This includes:
testing automated monitoring tools
reviewing escalation procedures
verifying that reporting obligations are met accurately and on time. Any gaps in monitoring or delays in reporting are treated as risk signals that must be addressed promptly.
The internal compliance structure itself is also under scrutiny. Audits examine whether roles and responsibilities are clearly defined, AMLA-relevant functions are properly staffed, and reporting lines function as intended. This ensures that compliance is not concentrated in a single individual or treated as an abstract function but embedded across operational teams with clear accountability at each level. PolyReg also verifies that records are complete, consistent, and retrievable, from borrower files and transaction logs to internal policies and training records.
What Regular Audits Mean for Investor Confidence
Audits are one of the core reasons investors can participate on the platform with a high degree of confidence. Because these audits are recurring, structured, and conducted under PolyReg supervision, they provide continuous external validation that Maclear’s operations remain sound, transparent, and aligned with Swiss regulatory expectations. The knowledge that these processes are scrutinized year after year, and that deficiencies must be corrected under binding instructions, materially reduces operational and governance risk for investors.
Audits also act as an early warning system. By reviewing live data, documentation trails, and compliance workflows, PolyReg can identify weaknesses before they develop into systemic issues. This proactive oversight protects lenders from the kinds of risks that often surface only after losses occur in lightly supervised crowdfunding markets.
Equally important is the signaling effect. Maclear’s willingness to operate under one of Switzerland’s most demanding audit regimes sends a clear message to current and prospective investors: transparency and accountability are non-negotiable.
Ordinary and Extraordinary Audits: How Lenders Benefit
Maclear operates under a dual-layer audit regime that combines scheduled annual audits with the possibility of extraordinary, unannounced inspections. The latter can be initiated by PolyReg at any point. Their purpose is not routine verification but rapid intervention when specific risk indicators arise.
Such triggers may include:
unusual transaction patterns
discrepancies in reporting data
inconsistencies identified during routine monitoring
complaints that suggest potential procedural breaches
signals from external authorities that warrant closer examination
Even minor anomalies—if they suggest systemic rather than isolated issues—can justify an extraordinary inspection. PolyReg examines live operational data rather than prepared audit materials, such as:
real-time transaction logs
borrower files
internal communications
escalation records
compliance decision trails
Because Maclear must remain continuously audit-ready, compliance cannot be treated as a periodic exercise or reduced to surface-level documentation. Internal controls must function correctly every day, staff responsibilities must be clearly enforced, and reporting systems must remain accurate and timely at all times. For lenders, this means reduced exposure to hidden operational risks and faster regulatory intervention if irregularities emerge.
Transparency in Loan Metrics: LTV, Debt-to-Equity, and Credit Scores
Every loan available on the platform comes with a detailed project card, providing metrics that allow investors to assess both risk and return. These include the loan-to-value ratio, debt-to-equity ratio, credit scores derived from Maclear’s proprietary AAA-to-D grading system, and progress through the project’s stages.
During regular audits, PolyReg examines each project to ensure that all metrics are accurate, complete, and verifiable.
LTV Ratio
This ratio of the loan amount to the value of collateral is cross-checked against valuations and appraisals.
Debt-to-Equity Ratio
These are verified against the borrower’s financial statements, ensuring that the project’s leverage is represented correctly. Stage progress is audited to ensure that incremental funding aligns with milestones and that investors have an accurate picture of where each project stands.
Two Layers of Protection Should a Default Occur
Although only a single default has ever taken place on the platform, Maclear provides investors with a robust dual-layer system designed to minimize risk and ensure predictable returns, even if borrowers encounter difficulties.
The First Layer: the Provision Fund
This is a dedicated reserve that smooths out temporary shortfalls in interest payments. This fund is financed transparently through a small portion of borrower fees and secondary market transaction commissions, and it allows Maclear to continue making scheduled interest payments to investors even when a borrower is temporarily delayed. In effect, the Provision Fund acts as a safety net, maintaining steady cash flow and protecting investors from short-term disruptions.
The Second Layer: Maclear’s Role as a Collateral Agent
In the event that a borrower defaults and the Provision Fund cannot fully cover the shortfall, Maclear manages the collateral pledged by the borrower. This includes enforcing claims, liquidating assets, and distributing the proceeds proportionally to investors. Because the collateral is legally held and actively managed by the platform, it provides a tangible backstop that secures the principal investment. The lender does not have to run around retrieving money in court proceedings or contacting international platforms – this is all taken care of by Maclear.
By combining these two layers—liquidity support through the Provision Fund and hard collateral protection—Maclear offers investors a highly resilient system. Short-term payment hiccups are addressed immediately, while more serious defaults are mitigated through collateral recovery. Together, these mechanisms ensure that investors benefit from both stability and security, rendering Maclear’s crowdlending model a safer, more reliable way to participate in high-yield projects.
Conclusion
The continuous and rigorous audits conducted by PolyReg make Maclear one of the most secure crowdlending platforms for investors. By examining every aspect of the platform’s operations, from the segregation of investor funds and borrower due diligence to transaction monitoring and internal compliance, these audits ensure that Maclear consistently meets the demanding Swiss regulatory standards. For investors, this translates into unparalleled transparency, early detection of risks, and confidence that their capital is safeguarded within a well-supervised, professionally managed ecosystem.
Maclear offers investors a platform designed for both security and performance. Its dual-layer protection system – combining the provision fund to cover temporary shortfalls and Maclear’s role as collateral agent to recover principal in case of defaults – ensures stability even under rocky circumstances. Detailed project metrics, stage-based financing, and a rigorous borrower selection process further reduce risk while enabling attractive returns of up to 15%.
