Editorial Standards
Our Review Guidelines
Every page on this site follows the same sourcing, verification and disclosure standard. Claims must trace to a named source with a date. Risks are described in the same depth as benefits. No fabricated testimonials or staff bios.
Sourcing Standard
Every factual claim on this site - regulatory status, loan volumes, target returns, company formation dates - must trace to one of the following sources:
- Company disclosure. The platform's own website, terms of service, investor documentation or published annual report.
- Public registry. A national business register (e.g. Swiss UID register, Latvian commercial register), financial regulator's public licence database (e.g. Latvijas Banka, Bank of Lithuania, EFSA Estonia), or court filing.
- Independent audit or certification. A smart-contract audit report from CertiK or Cyberscope, for example, where the report is publicly available and dated.
Where a source is unavailable or a claim cannot be verified, the page states this plainly: "8lends has not published audited financials" or "Verify directly with the platform". We do not invent statistics or fill gaps with estimates.
Date Requirement
Every sourced fact must carry a date - the date the source was accessed or the date the document was published. Regulatory licences, loan book sizes and interest rates change. If a figure is undated, it is not a usable fact for editorial purposes on this site.
The fact table used across comparison and guide pages includes a "since" year for each platform. Where a precise launch date is not available from a public register, the earliest verifiable reference (e.g. the oldest archived page on the Wayback Machine, a dated press release) is used instead.
Balance Standard
Every material risk receives the same depth of treatment as every material benefit. If a page describes the 18-25% APR target return from 8lends, it must also describe the absence of an EU ECSP licence, the self-issued nature of the BuyBack Guarantee, and the risk of partial or total loss of capital. If a page explains the CertiK smart-contract audit, it must also explain that an audit does not eliminate business risk, liquidity risk or the risk of insolvency.
This site does not bury risks in fine print or minimise them with reassuring language. Negative information is presented neutrally, in the same prose style as positive information, without editorial opinion layered on top.
No Fabricated Content
This site does not invent people, testimonials or portfolio holdings. You will find no claimed "our own money invested" statements, no named staff members with claimed credentials, no quoted investors or satisfied customers. Where a real person's review or experience is relevant, it must be sourced from a dated, verifiable third-party source (e.g. a public forum thread, a dated Trustpilot review), never fabricated by the editorial team.
Platform comparisons and ratings are editorial opinion, clearly labelled as such. The Due Diligence Index score for 8lends - 51/100, "Caution Advised" - is the editorial team's assessment based on the five weighted criteria described on the main review page, not a statement of fact.
Affiliate Disclosure Standard
Where an affiliate relationship exists between this site and a platform discussed on the page, it is disclosed at the point of the link. A "Sponsored" or "Partner" label appears next to any CTA heading, and the link itself carries rel="noopener nofollow noindex" attributes.
As of this page's publication date, 8lend-reviews.com has no paid affiliate partnership with 8lends or Maclear AG. CTA links to 8lends are plain, unpaid links marked "Not sponsored". This status is disclosed on every page that carries an 8lends CTA, and on the Affiliate Disclosure section of the About page. If a partnership is established in the future, this page and the About page will be updated to reflect the change, with a date stamp.
Correction Policy
Errors are corrected as soon as they are identified. Material corrections - changes to a licence status, a loan volume figure, a regulatory claim - are logged at the bottom of the affected page with a date stamp. Typographical or formatting corrections are made silently. If you believe a page contains an error, contact the editorial team via the contact page.
No Personal Advice
This site does not provide financial, investment, legal or tax advice. Pages describe features, risks and trade-offs in the second person where natural ("if you are considering 8lends..."), but never instruct a reader to invest in a specific platform or product. Tax content stays qualitative - naming general categories and concepts, never inventing rates or form numbers, always stating this is not tax advice.
Capital at risk. P2P and DeFi lending carry a risk of partial or total loss of invested capital. This site is editorial and holds no client money. Verify all terms directly with the platform and consult a licensed advisor if in doubt.