what's 3Jane?
3Jane is a decentralized finance (DeFi) protocol on Ethereum that introduces a credit-based money market, allowing users to access unsecured lines of credit without traditional collateral requirements. It bridges onchain and offchain financial data to underwrite loans based on verifiable proofs of crypto and bank assets, future cash flows from yield farming, and credit scores integrated via protocols like Cred Protocol, Blockchain Bureau, and zkTLS for VantageScore 3.0. The protocol operates as a peer-to-pool system where lenders deposit USDC to receive USD3 tokens, which can be staked into sUSD3 for enhanced yields. Borrowers undergo an algorithmic underwriting process to determine credit limits and rates, with e-signed contracts enabling legal recovery for defaults. This creates a three-dimensional collateral space in DeFi, combining asset-backed, algorithmically-backed, and future-backed lending to foster capital efficiency and cryptonative economic growth.
3Jane nominated for "Best In Yield" award; winner announced Dec 30, 2025.
Links
x.com/3janexyzNominated for "Best In Yield" award with winner announcement scheduled for December 30th, 2025.
The protocol works reasonably well for crypto-native or degen activities but cannot finance real daily-life expenses.
The protocol currently has 100% of its loans covered by junior tranche TVL.
USD3 integrates with Equilibria protocol to provide vePENDLE-boosted yields on Pendle Finance, allowing users to deposit USD3 or Pendle LP/PT tokens directly for amplified returns.
USD3 (senior tranche) and sUSD3 (junior tranche) tokens are listed on Pendle Finance as tradeable Principal Tokens.
Coinbase Ventures highlights 3Jane among four projects building undercollateralized lending infrastructure in their 2026 crypto predictions, identifying unsecured onchain credit as a major opportunity.
The protocol reports $19.64M in total value locked.
The platform is now powered by Aave for onchain credit operations.
Partnership with Sky Ecosystem enables Sky stars such as Spark to deposit USDC into USD3, with Sky functioning as the central bank earning base rates while stars keep the spread.
Unrestricted access to the platform launches in November for uncollateralized lending and JANE token farming.
Lenders can deposit USDC on 3Jane protocol earning 27% APY by converting to USD3 and staking for sUSD3, while the protocol operates in beta phase with whitelisted borrowers.
Raised $5.2M in funding and offers airdrop farming opportunity for users who deposit USDC into the protocol.
A user reports receiving a credit line offer of up to $458,718 through the platform's onchain history evaluation system, demonstrating the lending feature is actively operational.
An investor expresses skepticism about undercollateralized lending solutions, stating they have avoided all investments in this sector due to safety concerns, calling it unsuitable for anonymous and trustless environments.
A whale deposited $100k into the pool, indicating significant new liquidity.
New onchain lending feature enables loans against traditional finance assets.
Implements zkTLS technology to enable verifiable offchain data transfer to blockchain.
New advisor Chud joins after testing product; confirms ZK tech powers uncollateralized lending system.
Launches institutional lending feature through Wildcat partnership, offering 15% APY on private credit loans.
Two-tier credit slash mechanism implements automated collection process with 11.2% borrowing rate, while offering 9.5% yield for USD3 and 22.72% for sUSD3 token holders.
Launches peer-to-pool credit protocol targeting retail users in US market, utilizing scoring mechanisms for unsecured lending.
Secures $5M seed round led by Paradigm to advance crypto credit infrastructure.
DeFi lending protocol secured by EigenLayer now enables unsecured stablecoin loans using off-chain assets as collateral.
Introducing under-collateralized loans based on verifiable financial ZK proofs using banking assets and credit scores rather than on-chain collateral.
Launch announced incorporating identity systems from Web2 into crypto through zkTLS technology.