121M+Total Funded
Global investment market worth over $100 trillion
Putting your money to work in assets that can grow over time
What is investment and how it works
Investment in numbers
How investors accumulate wealth using various asset classes and investment strategies throughout markets worldwide
10.6M+Interest paid
Average stock market return 7-10% annually long-term
1.8K+Funded projects
Bonds typically return 3-5% with lower risk
44.2K+Registered investors
Real estate investments average 8-12% annual returns
€2.0M +Provision Fund
P2P lending can offer 6-16% depending on risk
Investors receiving payouts
Investors who received at least one interest payment each month.
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How investment works
The basic mechanics behind putting your money into assets for returns
You allocate capital
Select an asset or opportunity to block it from your opponent, preventing them from using it during their turn in the game.
Decide where to put your money based on goals, risk tolerance and time horizon
Asset generates returns
Through growth or income
Returns come from price appreciation, interest, dividends or rental income
You monitor performance
Track your portfolio regularly
Check how your investments perform and adjust strategy when needed
Reinvest or withdraw
Choose your next step
Use profits to compound growth or take money out for your goals
Diversify over time
Spread risk across assets
Add different investment types to reduce exposure to any single risk
Manage risk actively
Balance potential and safety
Adjust holdings based on market conditions and personal circumstances
Why people invest
The main reasons investors put money into assets instead of keeping cash under the mattress
0% Beat inflation and preserve purchasing power
No fees for deposits, investments or withdrawals.
28,003 +Build wealth for retirement or major goals
A growing community built around transparent investing.
€1,712 +Generate passive income from your capital
Average amount invested by active users each month.
€139 +Grow money faster than savings accounts
Average interest paid to active investors each month.
Featured investment opportunities
Vetted projects and borrowers across different risk levels and sectors
Wholesale Electronics
Supplies consumer electronics to major retailers and telecomes like Technomarket and Magnum-D
- Loan Amount
- €600,000
- Term
- 16 months
- Yield (APR)
- 15.1%
JINTEKI
Processes, freezes and dries fruits and vegetables in a modern, fully equipped organic-focused production facility
- Loan Amount
- €900,000
- Term
- 14 months
- Yield (APR)
- 14.9%
Datra Ltd
Supply, installation and maintenance of agricultural and food equipment
- Loan Amount
- €950,000
- Term
- 12 months
- Yield (APR)
- 14.6%
Investment Calculator
Future value in 6 years€8000
Start with €50
Average annual return17.6%
Earned return€460
Promotions€0
Estimated returns based on target rate of 14.6% APY. Actual returns may vary. Past performance does not guarantee future results.
Types of investment
Different asset classes offer varying risk-return profiles for your portfolio
Stocks
Ownership shares in companies that can grow in value
Bonds
Loans to governments or companies paying fixed interest
Real estate
Property investments generating rental income and appreciation
P2P lending
Direct financing of borrowers through crowdlending platforms
Commodities
Physical assets like gold, oil or agricultural products
Mutual funds
Pooled investments managed by professionals for diversification
ETFs
Exchange-traded funds tracking indices or specific sectors
Alternative assets
Art, wine, crypto or other non-traditional investment options
Secondary market
Trade existing investments before maturity if you need liquidity or want to exit a position early
Browse market
Investment risk levels
Recognizing the balance between possible investment gains and the chance of losing your original investment amount
€12M+ +Secondary Market volume
Low risk: savings, government bonds (1-3% return)
9,308+ +Secondary Market participants
High risk: stocks, P2P, startups (potential 10%+ or loss)
How to start investing
A simple path from setting goals to building your first portfolio
Define your goals
Time horizon and risk tolerance
Choose your assets
Pick investment types that fit
Fund your account
Transfer capital and start building
Investor loyalty benefits
Active investors often get access to better deals, priority allocations and lower fees
Early project access
See opportunities first
Reduced platform fees
Lower costs over time
Priority support
Faster help when needed
Performance insights
Better data and analytics
Join the investor community
About Maclear
Maclear is a Swiss P2P/B2B crowdlending platform connecting investors with vetted business borrowers and projects. Investments involve borrower default risk, liquidity risk, platform risk and possible loss of capital.
Platform transparency
Maclear operates under Swiss law with AML/KYC supervision via PolyReg SRO. We are not a bank and do not lend from our own balance sheet. Investors finance loans by purchasing assigned loan claims — returns are not guaranteed.
- Full project documentation before you invest
- Borrower credit scoring and risk grades
- Real-time portfolio performance tracking
- Transparent fee structure with no hidden costs
- Regular updates on funded projects
- Public default and recovery statistics
Collateral and the
Provision Fund help reduce certain risks, but do not eliminate investment risk.
Common questions about investing
P2P lending platforms connect investors directly with borrowers, allowing lenders to earn interest on their capital. Returns typically range from 6-16% depending on borrower risk profile and loan term, with investors receiving payments as borrowers repay principal and interest.
Savings keep money in low-yield accounts for security, while investment deploys capital into growth assets like stocks, bonds, or loans. Investments aim to generate returns above inflation rates through price appreciation or income generation over medium to long timeframes.
Spreading capital across different asset classes—stocks, bonds, real estate, and peer-to-peer loans—reduces the impact of poor performance in any single investment. This strategy protects against market downturns while maintaining exposure to varied growth opportunities.
Yes. While cash savings lose purchasing power as inflation rises, investments in stocks (7-10% annual returns), real estate (8-12%), and bonds (3-5%) typically outpace inflation over time. P2P lending at 6-16% can also exceed inflation, preserving and growing wealth.
Investment time horizon determines asset selection and risk tolerance. Longer horizons support higher-volatility growth investments, while shorter timeframes call for stable income-producing assets. P2P platforms serve various horizons through loans ranging from months to years.
Start by defining financial goals, assessing risk tolerance, and building an emergency fund. Begin with diversified positions across accessible asset classes—stocks, bonds, and P2P loans offer varying risk-return profiles. Monitor performance quarterly and adjust allocations as circumstances change.