📌 TOPINDIATOURS Hot crypto: Can Web3 Crowdlending Become a Sustainable Yield Model

Earlier this year, Gold Car Rent, a corporate vehicle rental company in Dubai, sought growth capital to expand its fleet and meet rising demand from long-term corporate clients.

Instead of turning to traditional bank financing, the company raised capital through 8lends, a Web3-based crowdlending platform that connects global investors with real-world business loans.

The financing was backed by collateral, specifically a fleet of Mercedes-Benz Vito vans owned by Gold Car Rent, which were appraised and used to secure the loan.

The loan capital itself was released in stages, with each tranche unlocked only after the required documents and invoices were verified. Repayments are made from operating income generated by long-term B2B rental contracts.

Under this structure, investors can see that returns are tied to business performance rather than a complex yield structure. For the company, the arrangement provided access to global capital without lowering underwriting standards.

Gold Car Rent’s story shows what’s quietly shifting in the DeFi yield segment through peer-to-peer (P2P) lending mechanisms. To learn more about this, BeInCrypto recently spoke with Aleksander Lang, CFO & Co-Founder of Maclear — the company behind 8lends.

We explored why investors are increasingly turning toward stable-income crowdlending, how platforms like 8lends are adapting institutional credit practices to Web3 infrastructure, and whether this model can become a sustainable source of passive income for crypto investors.

Two Models, Two Risk Profiles

Peer-to-peer lending or crowdlending existed long before crypto and DeFi. Marketplace lending platforms spent years connecting investors with small businesses that traditional banks wouldn’t touch. The pitch was simple: earn fixed returns by funding real economic activity.

But the model also comes with trade-offs. Because many P2P platforms allow borrowers who fall outside conventional bank criteria, default risk can be higher than in traditional lending. Credit losses depend largely on the platform’s underwriting standards, loan structure, and recovery processes, as well as the underlying business performance of borrowers.

At the same time, many traditional P2P platforms are constrained by jurisdictional boundaries, limiting both investor access and cross-border diversification and tying risk management and enforcement to local legal frameworks.

Decentralized finance (DeFi) approached the same problem from a different angle. DeFi lending protocols allow users to lend and borrow crypto assets through smart contracts, often using overcollateralization and automated liquidations to manage default risk.

By removing intermediaries and geographic restrictions, DeFi dramatically expanded access to lending markets and introduced different forms of capital efficiency.

In its early growth phase, parts of the DeFi yield ecosystem blurred the line between lending income and incentive-driven returns. Some protocols supplemented organic lending yields with token emissions or relied on optimistic assumptions about liquidity and collateral stability.

Anchor Protocol on Terra became the most visible example. During its prime era, it offered roughly 20% APY on UST deposits by combining lending activity with subsidized rewards. When the underlying stablecoin failed in 2022, the entire structure collapsed.

Why Investors Are Rethinking Yield After DeFi’s Boom and Bust

However, Terra’s failure forced the industry to reassess how sustainable yields were being generated. Lang observed the same shift taking shape among investors. While confidence in high-yield narratives eroded, he noted that users did not reject crypto itself.

“People still liked crypto and all its advantages, like convenience, speed, and global access, but after seeing so many high-yield projects fall apart, their mindset started to change. When you see a platform promise ‘20% risk-free’ returns and then collapse overnight, or a big service suddenly freezes withdrawals, it leaves a significant impression.

So instead of chasing the next APY, users began looking for products backed by real business activity. They wanted something they could clearly understand: where the money comes from, who the borrower is, and how the returns are generated. Real cash flow, not slogans or inflated marketing campaigns,” Lang opined.

Lang argued Web3 crowdlending sits between those two worlds. Rather than reinventing yield, it applies established lending mechanics while using blockchain infrastructure to expand access, standardize transparency, and make performance verifiable across borders.

“It allows people to stay in the crypto space while getting something predictable and easy to understand, based on actual performance rather than promises,” he told BeInCrypto.

Bringing Credit Discipline On-Chain

Lang then explained how 8lends combines elements of DeFi and traditional crowdlending in its operational model. While the platform was developed by a team with extensive experience in Swiss P2P lending through Maclear, it was not designed as a direct extension of a Web2 platform.

Instead, the focus was on rethinking how the credit process should be structured and presented in a decentralized environment, taking into account the different expectations of investors across both ecosystems. He said:

“In traditional lending, people rely on regulation and reputation, but on-chain users expect clarity first. They want to understand how decisions are made. So we focused on making the core elements of the process more visible: what information we analyze, how borrowers are assessed, and how risks are monitored.”

Lang also recognized that Web3 users are accustomed to updates as they happen. Rather than waiting for a final outcome, they want to follow progress along the way. As a result, 8lends reorganized how information is presented so investors can track developments in a clear and timely manner, while preserving the rigor of the underwriting process.

Consistency was the final requirement. Lang stated that Maclear built its reputation on strict, repeatable procedures, including document checks, financial analysis, and ongoing monitoring. He added:

“Translating that level of operational structure into a blockchain environment required standardizing how information is displayed and verified so users can review the logic themselves.”

For the company, this is where blockchain provides tangible benefits. Funding flows, repayments, and performance data can be shown as they occur. Smart contracts apply the same rules consistently, reducing operational risk. At the same time, the system remains accessible to users globally,…

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🔗 Sumber: www.beincrypto.com

📌 TOPINDIATOURS Eksklusif crypto: BlackRock Names Spot Bitcoin ETF Among Its Top I

BlackRock has placed its spot Bitcoin exchange-traded fund among its three biggest investment themes for 2025, ranking the product alongside Treasury bills and US mega-cap technology stocks.

The world’s largest asset manager said its iShares Bitcoin Trust ETF (IBIT) together with an ETF tracking short-term Treasurys and another linked to the so-called “Magnificent 7” group of US tech firms, including Apple, Microsoft, Amazon, Alphabet, Meta, Nvidia, and Tesla.

BlackRock’s Bitcoin ETF Pulls $25B in Inflows Despite Bitcoin’s 2025 Pullback

IBIT has drawn more than $25 billion in net inflows so far this year, according to market data, ranking sixth among all ETFs by inflows despite posting a negative return in 2025.

The performance comes as Bitcoin has slid roughly 30% from its October peak, a drawdown that has not deterred investor demand.

Nate Geraci, president of NovaDius Wealth Management, said BlackRock’s decision to spotlight IBIT shows the firm remains comfortable backing Bitcoin through market cycles.

Bloomberg ETF analyst Eric Balchunas echoed that view, noting that if the fund can attract $25 billion in a weaker year, the upside during a stronger market could be significantly larger.

The latest inflows add to the roughly $37 billion IBIT attracted in 2024, bringing total net inflows since launch to about $62.5 billion, according to Farside Investors.

That figure puts IBIT well ahead of competitors, with flows more than five times larger than those of the Fidelity Wise Origin Bitcoin Fund, its closest rival.

BlackRock has continued to build out its crypto-linked ETF lineup beyond spot Bitcoin exposure. In September, the firm filed to register a Bitcoin Premium Income ETF, designed to generate yield by selling covered call options on Bitcoin futures.

The strategy would mark a shift toward income-focused products tied to digital assets.

IBIT has also emerged as a notable outlier on the 2025 ETF flow leaderboard, ranking sixth by year-to-date inflows despite posting a negative return for the year.

IBIT is the only ETF among the top flow leaders showing a year-to-date loss, with returns down roughly 9.6%. Yet the fund has still attracted approximately $25.4 billion in net inflows.

BlackRock’s Ethereum ETF Draws $9B as Firm Expands Crypto Offerings

The asset manager has also seen strong demand for its Ethereum offerings. Its iShares Ethereum Trust ETF (ETHA) has attracted more than $9.1 billion in inflows this year, pushing total inflows close to $12.7 billion.

In November, BlackRock filed to launch an iShares Staked Ethereum ETF, following regulatory changes that have given issuers more flexibility to incorporate staking features.

Despite its expanding crypto footprint, BlackRock has so far stayed on the sidelines of the recent wave of altcoin ETFs tied to assets such as Solana, XRP and Litecoin.

The post BlackRock Names Spot Bitcoin ETF Among Its Top Investment Themes of 2025 appeared first on Cryptonews.

🔗 Sumber: cryptonews.com