Comparison
8lends vs InSoil: Which Fits Your Portfolio in 2026?
8lends offers blockchain-settled real-world-asset lending across multiple sectors; InSoil specialises in ECSP-licensed agricultural collateral. Both target double-digit returns, but regulatory standing and liquidity options differ sharply.
| Feature | 8lends | InSoil |
|---|---|---|
| Headquarters | Zug/Zurich area, Switzerland (Maclear AG) | Vilnius, Lithuania |
| Operating since | ~2023-2024 | 2020 |
| Regulator / licence | None in own name; parent under Swiss AML SRO (PolyReg) | Bank of Lithuania, ECSP |
| Loan types | RWA-backed (real estate, green energy, invoice factoring) | Agricultural |
| Buyback guarantee | Yes, self-issued by 8lends | No |
| Secondary market | No | Yes |
| Minimum investment | ~100 USDC | EUR 100 |
| Target return | 18-25% APR | ~13% |
Where 8lends wins
- Higher headline yield. 8lends targets 18-25% APR, materially above InSoil's ~13%.
- Buyback guarantee. 8lends offers a self-issued guarantee; InSoil has none.
- Multi-sector collateral. Real estate, green energy and invoice factoring provide broader diversification than agriculture alone.
- Blockchain settlement. USDC on Base enables near-instant withdrawals when liquidity is available, bypassing traditional bank rails.
Where InSoil wins
- ECSP licence. InSoil holds a European Crowdfunding Service Provider licence from the Bank of Lithuania, offering regulatory oversight absent from 8lends' Swiss AML-only SRO arrangement.
- Secondary market. InSoil provides a secondary market for early exit; 8lends does not.
- Longer track record. Operating since 2020, InSoil has four additional years of performance history compared to 8lends' younger platform.
- Sector-specific focus. Agricultural collateral allows investors to concentrate exposure in a single asset class with relatively predictable cash flows.
Risk notice. Both platforms carry a risk of partial or total loss of invested capital. InSoil's ECSP licence does not guarantee loan performance or investor returns. 8lends' buyback guarantee is self-issued by the platform itself, not backed by third-party insurance or a deposit-guarantee scheme. Neither platform is a bank or covered by EU deposit insurance.
Bottom line
InSoil suits investors seeking ECSP regulatory oversight, a secondary market for liquidity, and concentrated agricultural exposure at a moderate yield. The Bank of Lithuania licence provides a level of compliance and reporting transparency that 8lends, operating under a Swiss AML-only SRO, does not currently match.
8lends appeals to those comfortable with blockchain settlement, higher target yields and a self-issued buyback guarantee across diversified real-world-asset categories. The lack of a secondary market and the regulatory gap remain material trade-offs for the yield premium.
Investors prioritising regulatory licensing and early-exit options will favour InSoil. Those accepting a younger, unlicensed platform in exchange for higher potential returns and multi-sector collateral may consider 8lends. Verify current terms, collateral details and regulatory standing with each platform directly before committing capital.
FAQ
Yes. InSoil holds a European Crowdfunding Service Provider licence issued by the Bank of Lithuania, providing formal oversight and reporting requirements. 8lends operates without an EU ECSP licence; its parent company Maclear AG is registered with a Swiss self-regulatory organisation (PolyReg) for anti-money-laundering purposes only, which does not include prudential supervision or a compensation fund. The ECSP licence does not guarantee loan performance or investor returns, but it does impose conduct and disclosure standards that 8lends lacks.
InSoil provides a secondary market where you can list loans for sale to other investors, subject to finding a willing buyer. 8lends does not currently operate a secondary market; early exit depends on the platform's self-issued buyback guarantee, which is not a guaranteed liquidity mechanism and may be withdrawn or suspended at the platform's discretion.
8lends covers real estate, green energy and invoice factoring, offering multi-sector exposure within one platform. InSoil specialises exclusively in agricultural loans, which suits investors seeking concentrated sector exposure but provides no diversification across other collateral types. If you want broader asset-class spread in a single account, 8lends is the wider option; if you prefer sector-specific agricultural focus, InSoil is purpose-built for that.
For a detailed review of 8lends' regulatory standing, collateral quality and track record, see the main safety analysis.