Review of Maclear

Here at InvantAPPs, we have prepared a fully transparent assessment of this Swiss corporate debt platform. Let’s start by addressing the elephant in the room head-on: in our recent interview with Iván Marchena, the platform’s CCO, we laid our cards on the table. Maclear is based in Switzerland and is supervised by PolyReg SRO strictly in accordance with anti-money laundering (AML) regulations. As it is not part of the European Union, it does not automatically hold an EU passport. The CNMV’s notification does not indicate fraud or insolvency; it simply reflects this jurisdictional reality. To resolve this and expand freely throughout the eurozone, the fintech company has already formally submitted its application for the European ECSP licence, anticipating official approval within an optimistic timeframe of 6 to 8 months.

This rigorous regulatory framework is complemented by long-awaited milestones in transparency within our sector. Although there had been concerns in previous months regarding the lack of public reports, in early June 2026 the company successfully published its audited compliance report for the 2024 financial year, following the completion of a complex data migration to advanced CRM systems. The audited accounts for 2025 are scheduled for release in the autumn of this year. At InvantAPPs, we find it very reassuring to know that the founders, Denis Ustjev and Aleksandr Lang, have a background in auditing and economic-actuarial analysis in Switzerland. Their risk philosophy is uncompromising: they apply a 40-point filter that screens out 90% of applications from SME borrowers. Furthermore, when valuing collateral (machinery, lorries or industrial premises), they conservatively apply a discount of between 25% and 50%, simulating an urgent sale. That is why you will see projects with an apparent Loan-to-Value (LTV) ratio of 84% or even in excess of 100%; it is deliberately undervalued so that, in the event of default, the judicial liquidation of the collateral will cover the investors’ principal without any surprises.

Our track record with this asset underpins this strength. We have gone from managing €10,000 to consolidating nearly €13,000 in assets in the account, with the clear aim of reaching the €15,000 threshold to unlock the Beta Plus level (+2.0% in extra interest) and set our sights on the €40,000 mark for Alpha status. In terms of debt recovery, the platform’s track record is impeccable. The only high-profile delay in its history (involving the Italian company Vibroedal for €150,000 in July 2025) was resolved in just two months through a private repayment agreement that returned 100% of the principal to users. This was made possible by its active Provision Fund, which is funded by a 2% fee charged to borrowers and the 2.5% commission paid by sellers on the secondary market. Thanks to this liquidity buffer, which brings forward payments, we have never experienced a single day’s delay in monthly interest payments.

If you want to know how to start investing in Maclear whilst maximising your returns, the channel’s strategy is precise: split your capital into €500 chunks to activate its aggressive welcome package (a €15 sign-up bonus, a +3% return for the first 90 days and a direct cashback of €30 per block), boosting your return on your first trades to as much as 26%. However, bear in mind the tax rules in Spain: as there is no withholding tax, you must declare these capital gains annually on an accrual basis in box 0027 of your income tax return, regardless of whether the money is being passively reinvested via their Auto-Invest feature. Finally, we have an exclusive scoop: MACLEAR is expanding on-chain by merging with its sister Web3 protocol, Aens (Aliens). Through the Base Layer 2 network, they will launch a 'Crypto Lending' service that will allow users to pledge Bitcoin or Ethereum to receive USDC at a floating rate of 3% and reinvest it in the European real economy, opening up the platform to global investors from Latin America and around the world.