3Jane
For years, DeFi lending has depended on overcollateralization.
To borrow $1, users typically lock more than $1 in crypto assets. If the value of that collateral drops below protocol thresholds, the position is liquidated automatically ❌
3Jane introduces a different model: unsecured, underwritten credit on Ethereum.
Borrowers do not lock collateral onchain. Instead, 3Jane determines eligibility through zkTLS proofs of credit score via Credit Karma, combined with verified DeFi positions, centralized exchange balances, connected bank accounts, and an assessment of projected future yield.
Bank connectivity through Plaid enables a legally enforceable repayment agreement, while loan terms are recorded onchain, an audited framework that secured $5.2M in seed funding led by Paradigm, with participation from Coinbase Ventures, Wintermute, and Breed, and drew coverage from several media outlets, including The Block, Bitcoin.com News, and ETH Daily.
Capital providers gain exposure to a credit pool that generates yield from borrower activity.
By depositing USDC, users mint USD3, which represents a claim on the pool. As borrowers draw credit lines, they pay interest on that liquidity, and those payments flow back into the pool. USD3 holders receive a share of that interest, so returns grow as more credit is drawn and repaid.
USD3 can also be staked into sUSD3, which offers higher yield because it absorbs first-loss risk if borrowers default and receives a larger portion of the credit spread for taking on that risk.
🪂 In addition, 3Jane has a native protocol token called $JANE that is distributed through its liquidity mining and farming programs. Suppliers of USD3 and sUSD3, as well as users who participate in other primitives like drawing credit lines or holding certain LP positions, can earn $JANE token rewards based on weekly emission epochs and TWAB snapshots.
3Jane
Step by step guide 3Jane Airdrop
Access the 3Jane App → Head to the 3Jane application and connect your wallet to get started. From there, choose whether you want to supply capital or apply for a credit line.
Supply USDC and Mint USD3 → On the Supply page, deposit USDC to mint USD3. This token represents your share of the credit pool and earns yield from interest paid by borrowers.
🪂 Supplying USD3 or sUSD3 also qualifies for $JANE rewards through the 3Jane farming program, with emissions distributed weekly based on time-weighted balances.
Stake for Higher Yield → If you want higher return, stake USD3 into sUSD3 to receive a larger share of the credit spread because it absorbs first-loss risk if borrowers default.
Access a Credit Line (U.S. Users Only 🇺🇸) → Eligible U.S.-based users can go to the Pull section to apply for a collateral-free credit line by verifying their credit score via zkTLS and Credit Karma, confirming assets, connecting a bank account through Plaid, and signing a legally enforceable repayment agreement.
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