---
title: 'I Put My USDC Into Real Business Loans — Here''s What Happened'
source: 'https://youtube.com/watch?v=TnkRkYTgjEA'
video_id: 'TnkRkYTgjEA'
date: 2026-08-05
duration_sec: 612
---

# I Put My USDC Into Real Business Loans — Here's What Happened

> Source: [I Put My USDC Into Real Business Loans — Here's What Happened](https://youtube.com/watch?v=TnkRkYTgjEA)

## Summary

The video presents 8Lens, a Web3 crowdlending platform that connects lenders with real businesses seeking financing. The host explains how the platform offers fixed USDC payments backed by real collateral, contrasting it with typical DeFi yield schemes that rely on token emissions. The video covers the platform's features, security mechanisms, and the host's personal experience, including a sign-up bonus offer.

### Key Points

- **The Illusion of High APY** [00:02] — Many DeFi lending pools advertise high APYs, but a significant portion is paid in the protocol's own token, which can drop in value, making the yield illusory.
- **8Lens: Real Business Lending** [00:28] — 8Lens offers APY derived from interest paid by real businesses, not token emissions. Lenders provide loans to established businesses, and the platform holds collateral legally.
- **Project Listings** [01:34] — The platform lists various business projects seeking financing, such as a strawberry cultivation in Georgia requesting 10,000 USDC, with detailed company information and collateral.
- **Collateral and Buyback Protection** [02:54] — Collateral is legally held by the platform. If a borrower defaults, the collateral is liquidated, or a partner buys back the loan, returning 100% of the principal.
- **CertiK Audit** [03:36] — 8Lens is audited by CertiK, considered the gold standard in crypto audits, adding a layer of security.
- **Repaid Projects** [03:48] — The 'repaid' section shows successfully completed loans, like a consumer loan of 40,000 USDC with a 21.50% APR, with repayment schedules and on-chain transactions.
- **Transparency and Reviews** [05:12] — The platform is transparent with on-chain verification. Trustpilot rating is 4.6 out of 5, and Google reviews are also positive.
- **Project Scoring** [05:39] — Each project has a credit score from AAA to D, based on over 40 parameters, helping investors assess risk.
- **Secondary Market** [06:20] — A secondary market has been launched, allowing lenders to sell their positions before the loan term ends, providing liquidity.
- **Why High APR?** [06:46] — The high APR (e.g., 23%) is because traditional banks often reject or delay business loans, so private credit markets offer higher returns.
- **Ease of Use** [07:15] — Investing is simple: connect wallet, accept terms, sign a transaction. The platform is fast and settles in USDC.
- **Yield Source Explained** [07:41] — The 18-25% APY is standard for private credit markets, not predatory, as businesses earn 40-50% return on capital.
- **Platform Statistics** [08:21] — 8Lens has $123 million total funded, over 40,000 investors, and $35.7 million repaid, showcasing its scale.
- **Geographical Spread and Token** [08:46] — Projects come from many countries, offering diverse options. The platform has its own token, AT LNDS, to be covered in a future video.

### Conclusion

8Lens offers a compelling alternative to speculative DeFi yields by connecting lenders with real businesses, backed by real collateral and on-chain transparency. The platform's focus on security and real-world assets makes it a standout in the DeFi space.

## Transcript

businesses, you receive fixed payments in USDC plus the interest and every chain. You enter a DeFi lending pool that's claiming to pay 80% APY. 3 months
later you realize that half of that APY is paid in the protocol's own token which is down like 70%. That's not yield, that's an illusion. Today I'm going to be showing you guys a project with the APY doesn't come from token
emissions, it comes from interest from real businesses. You lend money to businesses and they pay back the loan with an interesting APR. Of course, there are security mechanisms in place so you don't lose your money and I'm
going to be showing you exactly how that works in a few moments. But imagine being able to lend money to real businesses already established where the collateral is held legally by the platform so you are guaranteed your
money if there is a default whether that is via liquidating the assets as collateral or whether the collateral is bought by a third party and you are instantly refunded. This platform exists and it is 8 Lens. And if you register
the description and the pinned comment below, you will be getting a $30 sign up bonus if you deposit at least 100 USDC. Terms and conditions apply of course, but I am really excited to show you guys everything about 8 Lens. Let's get
straight into it. Quick but important, I want to make this crystal clear. This is video is from my personal experience and opinion. All investments obviously carry risk. Do your own research any decisions. So this is 8 Lens and I'm in
the projects page right now where I want to show you what this is all about. So these are all projects of businesses that are listed in 8 Lens and they are all in need of financing. Whether that loan is for building a Bitcoin mining
facility or a commercial construction, they are all in need of financing and they are and they will pay back the loan with the interest specified in the contract. So, here for example, we have strawberry cultivation. If I'm not
mistaken, this is Georgia, the country. So, they are asking for 10,000 USDC. And if we click right here, you can check everything about this company. Agriculture, the ID, and an about section. So, here for example, we
can read February 2024 marked a key development for Mr. Georgi, I don't know attractive offer to lease previously inactive greenhouse complex dedicated to strategic value, he signed an investment agreement with OSS Holding, established
blah blah blah blah. So, here you can read everything about the company. In read everything about the company. In this case, there is a 32% of the asked amount filled. Here you can see that the collateral is including the real estate
property, which is 250K freezing unit, 40 ft $26,000, reverse osmosis suction filter, 28,000. So, this is the total collateral, which is almost $600,000.
And as I mentioned before, Maclear legally holds the collateral. So, if the company doesn't pay back or defaults or whatever, you are safe because Maclear liquidate it and pay you your money, your principal money, or there is
another option, which we can see right here, buyback. So, in this case, you can see that buyback means that this project is protected with 100% capital protection. If the borrower is unable to repay the loan or pay interest, our
partner buys back the loan and returns 100% of your invested principal. So, liquidation process, which may take some time, the partner buys back the loan and you are returned 100% of your capital in
a faster way. The platform is CertiK audited, by the way. I didn't mention before, but it is audited by the golden standard when it comes to crypto audits something that's amazing. So, if we go
into the repaid section, these are all projects that have successfully been companies have obviously used the money to do whatever they wanted to use it for. So, for example, here we have consumer loans and you click right here,
you can see what this is all about. So, this was 40,000 USDC. This is what they were asking for and the lending APR was 21.50% and here you can see their repayment schedule. So, they paid everything, of course, plus the interest
actually check out the transactions right here. I mean, that's absolutely amazing in base because this is all developed and coded in base chain, which is Coinbase's blockchain, which is amazing. It's absolute rocket. It works
really, really well and smooth. And here you can see on chain the transaction. So, in this case, for example, 3,000 USDC repaid to a lender and you can see it right here, you can verify it right here on chain everything. So, if we go
back to market and go to repaid, you can see again, there's so many projects that have been successfully repaid. For example, this one again, 50,000 USDC, about the company, about their financials, the collateral, all the
information that you might need is right here and it's absolutely genius. As I mentioned, in the repayment schedule, you can see again all the transactions on chain. You can see here the interest payments and lastly, the principal again
paid at last. It's as clear as it gets. I mean, you cannot get more transparent and more secure than this. By the way, you can check out the reviews of Eight Lands. Trustpilot 4.6 out of five and Google as well. I mean, you can read
platform. If you are interested, of course, in hearing people that are actually using this platform, I think it's also a very interesting and if recommend you check out the Trustpilot and the Google and whatever you may want
diligence to do when it comes to investing anywhere and I think that's a it on their own website. You can click it right here. thing that's amazing about Eight Lands is the attention to detail. All right,
so you can see every single project has its own scoring from AAA down to a D. mentioned, has its own scoring. And in this case, we can see a triple B,
useful to get a scoring depending on more than 40 parameters, I think, which is absolutely amazing. It's so easy and period, in this case, eight months, eight months, five months in this case,
have that information. And obviously, the percentage of completion of the total amount they are requiring. By the way, there is a secondary market they are working on. They just launched it, actually, and you are able to sell your
position in any project if you want to exit before it finishes. So, for example, say you lent 1,000 USDC right here, and you don't want to wait eight secondary market is where you're going to be able to sell your position before
the term ends. So, that's also good to know. Now, a question that many people know. Now, a question that many people have is why this APR? Why 23%? Like, why? It's a interesting APR. Well, because in the jurisdiction, the bank
either just says no, or they get buried under six months of bureaucracy, which afford. >> So, this is a screen recording of how Lands. >> As you can see, it's as easy as entering
interesting, just connecting your wallet, accepting the terms and conditions. And once that's done, it's as simple as signing a transaction that will be sent, and you are pretty much good to go. That's how simple and easy
Lands. >> Let's get back to the video. Eight Lands is fast. It is secured by real collateral, and it settles in USDC. For a company earning 40 to 50% return on their capital, this isn't predatory.
It's just normal economics. And in the FAQ, they have one of the most typical questions, which is the math behind the yield. Where do 18 to 25% API come from and why is it normal? So, in reality, these percentages are the standard rate
for the private credit market. And they thoroughly explain how such returns are generated. So, here you can read everything about it. Again, they are really, really thorough when it comes to transparency, security, explaining
yourself. As I mentioned before, you can sign up using my link if you're $30 welcome bonus if you are investing $100 at least in a project. So, that's something that you should obviously
consider if you think this is interesting. 123 million total funded interesting. 123 million total funded amount, more than 40,000 investors, 35.7 million total repaid. The numbers speak for themselves. All right. So, if you go
into the project section, I also want you to notice the geographical spread. There is so many countries from the world in inside Eight Lands. So, there is a huge spectrum of options that you can pick from. I'm going to be talking
about their own token because they have their own token, which is AT LNDS. That's the ticker. And you can see right here the price. You can see the price to be talking about this in an upcoming video because it is very, very
guys want to hear everything about it. So, make sure to subscribe and stay about it soon. So, guys, that is pretty much it for Eight Lands. Web 3 crowd lending. You lend to real businesses. You receive fixed payments in USDC plus
them is verifiable on chain. So, my affiliate link to Eight Lands is in the you're going to be getting a $30 bonus if you use my link and you invest $100 upwards. In the next video, I'm going to be covering much more regarding Eight
Lands. I think it's one of the best projects, honestly, in DeFi right now. Real world assets yield that's verifiable on chain. This is what crypto was truly built for. This is what Web 3 and DeFi is built for, right? Different
opportunities and APRs. In this case, they are all based out of real businesses in the real world with real collateral that is legally held by the platform. It's genius. So yeah, that's pretty much it for this video, guys. As
I mentioned before, everything comes from my personal opinion and experience pretty much it, guys. Take care and I'll catch you in the next video.