daGama and 8lends have come together to develop a powerful strategic partnership. Together, they’re rolling out a new planetary crowdlending platform, merging best practices from decentralized finance (DeFi) with traditional financial guardrails. The partnership aims to bridge autonomous decentralization with existing risk management frameworks. In addition to helping solve our nation’s infrastructure crisis, infrastructure investing creates new opportunities for investors and businesses. This collaborative platform enables international users to invest equity into European companies. With FISFractional loan participations YOU can earn annual yields 18% or more!

The platform brings to life a blockchain-based infrastructure to finance verified small- and medium-sized enterprises (SMEs). This partnership unites daGama’s ground-breaking smart contract technology with 8lends’ proven crowdlending architecture and model. Together, they’re working to ensure a safe, transparent, and efficient marketplace for lenders and borrowers alike. This relatively simple structure directly aligns capital with operating companies, creating both a more efficient investment process and the potential for greater economic growth.

Technology and Roles

daGama gives our protocol the smart-contract layer that tokenizes every loan and automates interest distribution. This public process would provide both transparency and accountability to the management of the American taxpayer’s loan assets and payments. Blockchain technology improves security and greatly lowers the potential for fraud. This feature in turn creates a unique value to a more diverse investor base.

8lends, a Swiss crowdlending platform, describes its borrower screening process as part of a credit scoring and loan servicing company. Registered in Switzerland, 8lends uses a crowdlending structure fully tailored to the local regulatory requirements. Their experience in diligence and risk assessment promotes healthy communities by ensuring that only creditworthy new businesses receive access to the platform.

The partnership brings together the best of both worlds — technical capability and a deep understanding of regulatory framework — to develop a robust solution for crowdlending in DeFi milieu. The new platform is intended to provide a frictionless user experience for both investors and borrowers, beginning with investment through ongoing loan management.

Expansion and Future Plans

daGama and 8lends have expressed ambitions to integrate asset-backed lending products to their platform. This expansion will give investors access to a wider variety of investments and further diversify and mitigate risk. By introducing asset-backed loans, the platform will become more attractive to institutional and retail investors.

The partnership aims to diversify the borrower base by reaching more rural areas. DAgama and 8lends continue to invite new audiences into their work. Their overall goal is to further serve SMEs and develop more investment opportunities for their users. Through this growth strategy, they will jump to an indisputable leadership position in the DeFi lending market.

Real-time investments dashboards are to be rolled out. Having these dashboards will help investors more readily understand what’s in their portfolios today and make better investment decisions as a result. That’s why adding real-time data is key to improving transparency and increasing the trust of users.

Benefits and Impact

Some of the most notable advantages of the daGama and 8lends platform include: It opens up access for investors to high-yield investment opportunities in European small businesses. By using a fractional loan participation model, individuals are able to invest smaller amounts of money, democratizing participation and opening the market to many more potential investors.

For community businesses, the model provides a new form of patient capital, an alternative source of funding beyond traditional banking networks. This is of specific importance to SMEs in particular which often find it difficult to obtain loans from traditional providers. With a simple process and clear terms, the platform is well-positioned to attract businesses looking for growth capital.

When combined with the partnership between daGama and 8lends, it truly has the potential to change the DeFi lending landscape dramatically. Just as importantly, they’re using blockchain technology in conjunction with more strict, conventional financial controls. Together, these two components produce a more secure and efficient marketplace for lenders and borrowers alike. This new and creative approach may be the bridge to broader acceptance of DeFi in the traditional financial system.