About
Unlock liquidity effortlessly with risk-adjusted loans powered by your crypto assets and credit score.
3Jane: Credit-based money market on Ethereum for unsecured lines of credit, underwritten against crypto, bank assets, cash flow & credit scores. It unlocks capital efficiency for crypto users & AI agents.
Use Cases
Credit-backed Yield Farming
Users leverage credit lines secured against future yield to farmcryptocurrencies without upfront capital.
Instant Liquidity Access
Traders draw instant USDC against verified creditworthiness for swift trading orliquidity needs.
Leveraged Yieldcoin Investment
Investors stake USD3 to gain levered exposure and autocompounded yield oncredit-backed assets.
Cross-Asset Credit Verification
Users verify creditworthiness using comprehensive onchain, bank, and creditscore data to access better credit terms.
Key Features
3Jane's Web3 and Crypto Offerings
- 3Jane is a credit-based money market on Ethereum that provides unsecuredcredit lines.
- It uses USD3, a stablecoin-denominated yieldcoin, backed by a pool of creditlines.
- 3Jane integrates onchain address credit scoring models via Cred Protocol andBlockchain Bureau.
- The protocol offers algorithmic, real-time unsecured USDC credit lines for yield farmers.
- 3Jane raised $5.2 million in seed funding on June 4, 2025, led by PARADIGM.
Key Features of 3Jane Protocol
- Core money market: Suppliers deposit USDC to mint USD3 and stake for sUSD3.
- Credit underwriter: 3Jane uses an algorithm (3CA) that underwrites creditlines against DeFi assets, offchain assets, and credit scores.
- Credit slasher: 3Jane maintains protocol solvency by slashing credit scoresand running onchain dutch auctions for debt collection.
- Borrowers can access 0% collateral USDC credit lines in real-time.
- 3Jane uses Reclaim protocol, leveraging zkTLS, to fetch and prove theintegrity of HTTPS responses for user data without additional trust assumptions.
(Founder)
Jacob Chudnovsky
Website
3jane.xyz
5.2M
seed funding raised
0%
collateral USDC credit lines
Key Investors
Andre Cronje
Bodhi ventures
Breed VC
Coinbase Ventures
DeFi Dad
Diogenes Casares
Guy Young
Joshua Lim
Julian Koh
Kain Warwick
Laurence Day
Paradigm
Robot Ventures
Wintermute Ventures
Zaheer Ebtikar