Deployed $8.3M in idle capital to Aave.

Integrated with Everclear to enable one-click swap of stablecoins from any supported chains to Aave in a single transaction.

Featured in Ethereum Builders Live event or showcase.

Partnered with Hypernative Labs to integrate 24/7 threat detection and prevention across the protocol, covering smart contract vulnerabilities, operational security risks, financial manipulation, and other attack vectors.

Integrated ether.fi assets (ETHFI, weETH, liquidETH, liquidBTC) for unsecured credit lines, leveraging over $1B in DeFi assets with up to 30% credit (U.S. only).

Offers unsecured USDC credit lines on Mantle, whitelisting $MNT, $mETH, $cmETH, with up to 30% credit against MNT at zero over-collateralization for US-based users.

Integrated with Strata Markets risk-tranching protocol for senior and junior tranches for unsecured borrower yields.

Operated a revolving pool of unsecured lines for over 4 months with a 0% default rate.

Delivered Aave plus 376 basis points in yield.

Nominated 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 highlighted 3Jane as a credit protocol for undercollateralized lending in its 2026 crypto predictions, listed alongside USDai and capmoney.

Sits at $19.64M TVL, reached $16.1M in total lendable capital with 48% utilization ($7.8M borrowed).

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.

Offers unsecured credit lines up to $458,718, at 40% with 6% cost of capital, underwritten against creditworthiness to lever apyx positions.

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.

Offers 11.2% borrowing rate via two-tier credit slash mechanism, 9.5% yield for USD3, 22.72% for sUSD3, and 9.38% APY for USDC lenders.

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.

Launches under-collateralized loans using verifiable financial ZK proofs, banking assets, and credit scores (average Vantage Score 781/850).

Launch announced incorporating identity systems from Web2 into crypto through zkTLS technology.