aid: 3jane
name: 3Jane
description: >-
  3Jane is an Ethereum-mainnet credit-based money market that issues algorithmic,
  real-time uncollateralized USDC credit lines underwritten against verifiable
  financial proofs rather than on-chain collateral. Its 3CA credit-assessment
  algorithm and Jane Score combine on-chain history with off-chain signals
  (bank data via Plaid, VantageScore/credit metadata, zkTLS proofs via Reclaim
  Protocol and EigenLayer). Capital suppliers deposit USDC to mint USD3, a
  yieldcoin with a senior claim on interest repayments, or stake it for sUSD3, a
  junior tranche that earns levered yield while absorbing first losses. Backing
  comes from Fintech Credit Conduits (warehouse loans and forward-flow programs
  for U.S. fintech lenders) and Crypto Credit Lines. The protocol is governed by
  a timelock and multisig and coordinated by the JANE token. 3Jane raised a
  $5.2M seed round led by Paradigm, with Coinbase Ventures and Wintermute
  Ventures participating.
url: https://raw.githubusercontent.com/api-evangelist/3jane/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- paradigm
x-tier: profiled
x-tier-reason: enrichment-pipeline-2026-07-17
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
image: https://3jane.xyz/og-image.png
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-17'
tags:
- Company
- Crypto Defi
- DeFi
- Lending
- Credit
- Uncollateralized Lending
- Stablecoin
- Money Market
- Ethereum
- Yield
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://www.3jane.xyz
- type: Documentation
  url: https://docs.3jane.xyz
- type: APIReference
  name: Smart Contract Addresses (Ethereum Mainnet)
  url: https://docs.3jane.xyz/developers/addresses
- type: GettingStarted
  name: Supply USDC
  url: https://docs.3jane.xyz/usd3-susd3/supply-usdc
- type: GitHubOrganization
  url: https://github.com/3jane-protocol
- type: SignUp
  name: Launch App
  url: https://app.3jane.xyz/farm
- type: Support
  name: Discord
  url: https://discord.com/invite/xzfNggwBjH
- type: Blog
  name: Mirror
  url: https://mirror.xyz/0x763E83224239b339788c36652EFA9f40107EFf2C
- type: Twitter
  url: https://twitter.com/3janexyz
- type: TermsOfService
  url: https://www.3jane.xyz/pdf/terms-of-service.pdf
- type: PrivacyPolicy
  url: https://www.3jane.xyz/pdf/policy.pdf
- type: Whitepaper
  url: https://www.3jane.xyz/pdf/whitepaper.pdf
- type: FAQ
  url: https://docs.3jane.xyz/resources/faq
- type: Audits
  name: Security Audits
  url: https://docs.3jane.xyz/resources/audits
- type: LLMsTxt
  url: llms/3jane-llms.txt
- type: WellKnown
  url: well-known/3jane-well-known.yml
- type: DomainSecurity
  url: security/3jane-domain-security.yml
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence