Decentralized Investment in Real-World Opportunities
A comprehensive guide for investors, borrowers, and partners — covering platform mechanics, investment structure, borrower obligations, risk disclosures, and the full onboarding process.
Issued by
8VEST / Infinite Investments AG
Registered Address
Teichgässlein 9, 4058 Basel, Switzerland
Contact
support@8vests.group
Contents
Section 1
8VEST is a blockchain-powered crowdlending platform that connects creditworthy businesses seeking growth capital with individual and institutional investors seeking above-market fixed returns. Operating under the umbrella of Infinite Investments AG — a Swiss-based financial services group with extensive experience in structured lending and due diligence — 8VEST brings institutional discipline to decentralized finance.
The platform operates on a simple premise: businesses with verified assets and provable cash flows can access affordable funding; investors can earn transparent, fixed annual returns of between 8% and 20% APR, secured by real-world collateral and governed by smart contracts on the Base blockchain.
Investors
Individuals and institutions seeking fixed-yield alternatives to volatile crypto markets. Returns are defined upfront, collateral is real, and the process is fully transparent on-chain.
Borrowers
Registered businesses in Europe, the Americas, and Asia with verifiable financials and collateral, seeking fast and transparent access to working capital without traditional banking friction.
1,972+
Registered Investors
$15.1M+
Total Capital Deployed
$4.0M+
Capital Repaid
1 / 0
Defaults / Late Loans
Section 2
8VEST is a primary-market crowdlending platform. Unlike secondary-market crypto exchanges where you trade tokens with other users, 8VEST operates as a direct lending marketplace: investors fund real business loans, and returns come from real borrower interest payments — not from token price speculation.
Each project listed on 8VEST represents a single business loan. A borrower applies, undergoes verification, receives a risk rating, and is listed with a defined loan amount, APR, duration, and collateral profile. Investors then fund the loan collectively in USDC. Once the funding target is reached, capital is disbursed to the borrower, and repayments flow back to investors on the agreed schedule.
Investors
Deposit USDC, browse verified projects, and invest any amount above the project minimum. They receive scheduled returns and principal repayment at loan maturity.
Borrowers
Businesses that apply for funding, submit full documentation, pass due diligence, and list their loan request on the marketplace. They repay with interest on the agreed schedule.
Platform Admin / Verification Team
The internal team that reviews borrower applications, conducts 40-point due diligence, assigns risk ratings (A / B+ / B), sets loan terms, and approves or rejects listings.
Smart Contracts
On-chain programs that enforce funding rules, hold escrow during the funding period, and automate repayment distribution to investors. Audited by CertiK and Cyberscope.
All transactions are recorded on the Base blockchain (an Ethereum L2), providing full on-chain transparency. Investors interact through a web interface — no advanced crypto knowledge is required. The platform also issues the 8VST utility token on BNB Smart Chain (BSC) as a reward instrument for active investors.
Section 3
Create an Account
Register at 8vests.group using your email address. Complete identity verification (KYC) by submitting a government-issued ID and proof of address. KYC is processed within 24 business hours.
Deposit Funds
Connect your crypto wallet (MetaMask or WalletConnect) and deposit USDC into your platform account. Your balance is reflected in your dashboard immediately upon blockchain confirmation.
Browse Projects
Explore the primary market. Each listing shows the borrower's country, industry, loan amount, APR, duration, risk rating (A / B+ / B), collateral type, and funding progress.
Invest
Select a project and enter your investment amount (minimum $100 USDC). Confirm the transaction — your funds are locked into the smart contract escrow for that specific loan.
Earn Returns
Interest accrues daily from the loan start date. Depending on the repayment schedule (monthly or quarterly), interest and/or principal is returned to your dashboard balance at each payment date.
Withdraw
Withdraw your available balance at any time to your connected wallet. Withdrawals are processed within 24 hours. Note: funds locked in active investments are not available until repayment dates.
Submit Application
Complete the Borrower Application Form (see Section 13). Provide full company details, financials, loan purpose, and collateral documentation.
Document Review
The 8VEST verification team reviews your submission within 5–10 business days. You may be contacted for additional information or clarification.
Due Diligence & Risk Scoring
Your business undergoes a 40-point assessment covering financial health, operational viability, market position, collateral quality, and legal standing. A risk rating (A / B+ / B) is assigned.
Loan Terms Issued
If approved, the verification team issues final loan terms: amount, APR, duration, repayment schedule, and required collateral registration. You review and sign the loan agreement.
Project Listed
Your loan is listed on the 8VEST marketplace. Investors can view your project profile (without sensitive financials) and fund it over the listing period (typically 30–60 days).
Funding & Disbursement
Once the funding target is reached, capital is disbursed to your business account after collateral registration is confirmed. If the target is not reached, all investor funds are returned.
Repayment
You repay principal and interest according to the agreed schedule directly through the platform. Payments are automatically distributed to investors via smart contract.
Section 4
Investors earn returns through fixed Annual Percentage Rate (APR) interest, set at the time of loan origination. The APR is agreed between the platform and the borrower based on the risk profile and loan terms. Interest accrues daily from the loan start date.
Additionally, investors receive a 6% 8VST token bonus on every investment through the Proof of Loan system. These tokens are distributed progressively over 10 months and represent additional upside beyond the base APR.
Daily Interest Formula
Example — $5,000 at 14% APR for 12 months
| Period | Earnings | Calculation |
|---|---|---|
| Daily | $1.92 USDC | 5,000 × 0.14 ÷ 365 |
| Monthly | $58.33 USDC | $1.92 × 30.44 |
| 12 Months Total Interest | $700.00 USDC | 5,000 × 14% |
| Total Return (Principal + Interest) | $5,700.00 USDC |
Each loan has a defined duration (typically 6–24 months). Funds invested into a specific project are locked for the duration of that loan — there is no secondary market for selling your position early. Investors should only commit capital they do not require for liquidity during the loan term.
Repayment schedules vary by project. Monthly-schedule loans return a portion of interest (and sometimes principal) each month, providing partial liquidity. Bullet loans return the full principal at maturity. The payment schedule is clearly displayed before investment.
Investing on 8VEST involves financial risk. The following risks must be understood before investing.
▸ Default Risk
A borrower may fail to repay their loan. In the event of a default, the platform will initiate collateral recovery proceedings. However, recovery is not guaranteed, and investors may lose part or all of their invested capital.
▸ Smart Contract Risk
Although smart contracts are audited by CertiK and Cyberscope, no software is entirely free from vulnerabilities. Exploits or bugs could result in loss of funds.
▸ Market / Liquidity Risk
USDC and other stablecoins are subject to de-pegging risk. Additionally, collateral assets may be illiquid or decline in value, affecting recovery amounts.
▸ Regulatory Risk
Changes in crypto or lending regulations in relevant jurisdictions may affect platform operations, investor access, or fund repatriation.
▸ Platform Operational Risk
Technology failures, cyberattacks, or changes in platform management could disrupt operations.
⚠ No Guaranteed Returns: Past performance does not guarantee future results. 8VEST does not provide financial advice. All investment decisions are made at the investor's own risk. Do not invest more than you can afford to lose.
Section 5
8VEST provides access to growth capital funded by a global community of investors — without the friction, opacity, or exclusivity of traditional bank lending. Loan decisions are based on verifiable business performance and asset quality, not credit scores alone.
Borrowers who list on 8VEST enter into a binding loan agreement and accept the following obligations:
▸ Default Penalties
Failure to repay triggers collateral enforcement. The platform will pursue legal recovery of pledged assets. This may include court proceedings in the borrower's jurisdiction.
▸ Reputational Impact
Defaulted loans are recorded and may affect the borrower's ability to access future funding through the platform or affiliated partners.
▸ Funding Risk
If the loan does not reach its funding target within the listing period, it is cancelled and no funds are disbursed. The borrower may re-apply.
▸ Transparency Obligations
Borrowers consent to having their business overview (sector, country, loan purpose, collateral type) published publicly on the marketplace.
Section 6
8VEST only lists businesses that pass its verification standards. The following criteria define the minimum requirements for consideration. Meeting these criteria does not guarantee approval — final decisions are made by the verification team.
All loans on 8VEST must be secured by tangible real-world assets. Accepted collateral types include:
Real Estate
Commercial or industrial property. Must be unencumbered or with clear subordination agreement.
Equipment & Machinery
Valued by an independent appraiser. Depreciation factored into LTV.
Inventory / Stock
Commodity-grade or finished goods. Subject to warehouse verification.
Trade Receivables
Confirmed purchase orders or invoices from creditworthy counterparties.
Vehicles & Fleet
Commercial vehicles appraised at current market value.
Financial Securities
Liquid assets held in custody — bonds, securities, or equivalent.
Section 7
Every borrower undergoes a structured, multi-step due diligence process before being approved for listing. The process is designed to protect investors and ensure only creditworthy, transparent businesses access the platform.
1. Legal & Structural (8 points)
2. Financial Analysis (12 points)
3. Operational Review (8 points)
4. Collateral Assessment (7 points)
5. Loan-Specific Assessment (5 points)
A
Low Risk
Strong financials, high-quality collateral, proven track record. Lowest APR range.
B+
Medium Risk
Sound fundamentals with some risk factors. Mid-range APR compensates for exposure.
B
Higher Risk
Viable business with elevated risk factors. Higher APR reflects additional investor risk.
Section 8
Section 9
Daily Interest = Principal × (APR ÷ 100) ÷ 365
Monthly Return = Daily Interest × 30.44
Total Interest = Principal × (APR ÷ 100) × (Months ÷ 12)
Total Return = Principal + Total Interest
Note: Simple interest only — no compounding within a single loan. Compounding occurs naturally by reinvesting returns into new projects.
Daily
$0.27
Monthly
$8.33
Total Interest
$50
Total Return
$1,050
Daily
$1.92
Monthly
$58.33
Total Interest
$700
Total Return
$5,700
Daily
$4.93
Monthly
$150.00
Total Interest
$2,700
Total Return
$12,700
Daily
$13.70
Monthly
$416.67
Total Interest
$10,000
Total Return
$35,000
Section 10
All fee structures are subject to change with 30 days' notice. Current fees are always displayed on the platform before confirmation of any transaction.
Section 11
All investment and repayment flows are governed by audited smart contracts deployed on the Base blockchain (Ethereum L2). Smart contracts are immutable once deployed — funds cannot be redirected or accessed outside the defined rules. Contracts have been independently audited by CertiK and Cyberscope, two of the leading blockchain security firms globally. Audit reports are publicly available.
Investor USDC deposits are held in smart contract escrow — not in platform-controlled wallets. During the funding period, funds are locked in the project smart contract. Upon successful funding, capital is released to the borrower. Repayments are received into the smart contract and distributed pro-rata to investors automatically.
User identity verification is powered by Sumsub, a regulated identity verification provider. All users must pass KYC before investing or withdrawing. Borrowers undergo enhanced due diligence including AML screening against FATF, OFAC, and EU sanctions lists.
8VEST complies with applicable data protection regulations. User financial data is encrypted at rest and in transit. Borrower sensitive financials are never published publicly — only anonymised business profiles are visible to investors.
Collateral is registered and held by Infinite Investments AG (Switzerland) as the designated collateral custodian. Periodic checks are performed throughout the loan term to confirm collateral value and condition. In the event of default, the collateral recovery process is initiated immediately under the applicable legal framework.
Section 12
Not Financial Advice. This document is for informational purposes only and does not constitute financial, investment, legal, or tax advice. Nothing in this document should be construed as a solicitation or offer to buy or sell any financial instrument or to engage in any specific investment strategy.
No Guaranteed Returns. All APR figures, return projections, and example calculations in this document are illustrative only. Past performance of any project or the platform as a whole does not guarantee future results. Actual returns may be lower, and investors may lose some or all of their invested capital.
Risk Acknowledgement. By investing on the 8VEST platform, users acknowledge that they have read, understood, and accepted the risks described in this document and in the platform's full Terms of Service and Risk Disclosure Statement available at 8vests.group.
Jurisdiction. 8VEST and Infinite Investments AG operate under Swiss law. Access to the platform may be restricted in certain jurisdictions, including the United States of America, due to local regulatory requirements. It is the responsibility of each user to ensure compliance with local laws before accessing the platform.
Forward-Looking Statements. Statements about the platform's future plans, roadmap, and token economics are forward-looking and subject to change without notice. They reflect current intentions and are not binding commitments.
Regulatory Status. 8VEST is not a registered broker-dealer, investment adviser, or licensed financial institution in all jurisdictions. Investors are encouraged to seek independent professional advice before making any investment decision.
© 2026 8VEST / Infinite Investments AG. All rights reserved. Teichgässlein 9, 4058 Basel, Switzerland. support@8vests.group
Section 13
Complete all sections below in full. Incomplete applications will not be processed. Submit the completed form and all supporting documents to support@8vests.group. A member of the verification team will acknowledge receipt within 2 business days.
8VEST Borrower Application
Confidential — for verification team use only
Date of Submission: ___________
Reference No.: ___________
| Metric | Year −2 | Year −1 | Current YTD |
|---|---|---|---|
| Annual Revenue (USD) | $_______ | $_______ | $_______ |
| Cost of Goods / Services | $_______ | $_______ | $_______ |
| Gross Profit | $_______ | $_______ | $_______ |
| Operating Expenses | $_______ | $_______ | $_______ |
| Net Profit / (Loss) | $_______ | $_______ | $_______ |
| Total Assets | $_______ | $_______ | $_______ |
| Total Liabilities | $_______ | $_______ | $_______ |
| Shareholders' Equity | $_______ | $_______ | $_______ |
| Monthly Operating Cash Flow | $_______ | $_______ | $_______ |
The company is not subject to any current or pending insolvency, bankruptcy, or administration proceedings.
No director or beneficial owner has been convicted of fraud, money laundering, or any financial crime.
The company is not on any government, EU, UN, or OFAC sanctions list.
All information provided in this application is accurate, complete, and not misleading.
The company consents to background checks, financial verification, and credit enquiries as part of the due diligence process.
The company understands that providing false information may result in immediate rejection, blacklisting, and potential legal action.
The company accepts that collateral registration with Infinite Investments AG is a condition of loan disbursement.
Authorised Signatory — Full Name
Title / Position
Signature
Date (DD / MM / YYYY)
Company Stamp (if applicable)
Submit the following documents alongside this application. Tick each item to confirm it is included. Missing documents will delay processing.
Financial Statements — Last 2 years (audited or certified)
Required
Bank Statements — Last 6 months (all operating accounts)
Required
Company Registration Certificate
Required
Articles of Incorporation / Memorandum
Required
Director(s) Government-Issued ID (passport or national ID)
Required for all directors
Director(s) Proof of Address (utility bill / bank statement < 3 months)
Required for all directors
Collateral Ownership Proof (title deed, asset registration, invoice)
Required
Independent Collateral Valuation Report
Required if self-assessed value > $50K
Business Plan or Executive Summary
Required
Detailed Use of Funds Document
Required
Existing Loan / Facility Agreements
If applicable
Key Client Contracts / Purchase Orders
If applicable — supports revenue claims
AML/CTF Compliance Policy
Required for financial sector borrowers
Any other material documents supporting the application
Optional
8VEST Platform Overview — Confidential
© 2026 8VEST / Infinite Investments AG · Teichgässlein 9, 4058 Basel, Switzerland
https://8vests.group · support@8vests.group