Decentralized-technology specialist daGama has entered a strategic alliance with Swiss crowdlending platform 8lends, marking what both firms describe as a pivotal step toward real-world adoption of Web3 infrastructure. The collaboration introduces a blockchain-based system that allows retail and institutional investors to finance verified small- and medium-sized enterprises while targeting annual yields as high as 18 percent. Project teams emphasise that investor safeguards, transparent underwriting and compliance with Swiss regulations form the backbone of the new model, which they say sets a fresh benchmark for decentralised finance utility.
Combining Compliance with Decentralisation
Registered in Switzerland, 8lends employs a crowdlending framework that has already been adapted to local regulatory standards. By integrating daGama’s blockchain rails, the platform now extends its reach beyond traditional borders, enabling global users to purchase fractional loan participations in European businesses. Executives explain that data on each borrower, repayment schedule and performance metric is immutably recorded on-chain, giving investors continuous visibility into portfolio health. The blend of European compliance discipline and decentralised transparency is positioned as a differentiator in a crowded yield-farming landscape.
Bridging Crypto Natives and Conventional Investors
Industry analysts observe that demand for stable, yield-generating DeFi products has intensified since market volatility highlighted the limits of uncollateralised token speculation. The daGama–8lends structure aims to satisfy that appetite by linking capital directly to operating companies, thereby transforming abstract yield protocols into tangible value creation. The partners assert that crypto-savvy participants appreciate the on-chain auditability, while risk-averse newcomers find comfort in regulated due-diligence processes and the prospect of predictable cash flows. This dual appeal is expected to widen the funnel for Web3 adoption.
Operational Synergies and User Experience
Under the shared framework, 8lends conducts borrower screening, credit scoring and loan servicing, while daGama supplies the smart-contract layer that tokenises each loan and automates interest distribution. Investors can review risk assessments, track repayments in real time and trade tokenised positions on secondary markets once available. The companies highlight that the entire journey—from onboarding and identity verification to portfolio management—occurs through a single, user-friendly interface, reducing friction for individuals accustomed to conventional finance apps.
Meet our new partners – @eightlends 🎱
8lends is a Swiss crowdlending platform that lets anyone invest right in real businesses. Investors earn returns from 18% per year, with full transparency and strong risk protection.
We are happy to partner with an innovative project that… pic.twitter.com/dGaJFyLkgG
— daGama (@dagama_world) June 25, 2025
Roadmap: Tokenised Assets and Global Expansion
Looking ahead, the alliance intends to add asset-backed lending products, extend the borrower pool to additional regions and introduce real-time investment dashboards. Plans also call for the launch of tokenised loan bundles, which would allow investors to diversify across multiple sectors with a single on-chain asset. The partners note that each development phase will be accompanied by enhanced compliance features, signalling a commitment to regulatory engagement even as they scale internationally.
Implications for the DeFi Ecosystem
Market commentators suggest that the daGama–8lends initiative represents a notable evolution from high-yield protocols that rely solely on token incentives. By anchoring returns to real-world cash flows and providing transparent risk data, the model could raise the bar for how decentralised platforms blend profitability with investor protection. If adoption accelerates, the approach may influence policy discussions around tokenised securities and inspire similar collaborations between fintech entities and blockchain-native firms.
Outlook
With interest in dependable digital finance on the rise, daGama and 8lends are positioning their crowdlending partnership as a bridge between decentralized autonomy and traditional safeguards. Their shared objective is to deliver predictable income streams, practical utility and a trusted entry point into the Web3 economy. As borrower pipelines expand and tokenised products mature, the venture may well establish a reference architecture for future high-yield, compliance-conscious DeFi offerings.