3Jane is a credit-based money market on Ethereum that funds uncollateralized USDC credit and pays yield through a two-tranche structure: USD3 (senior) and sUSD3 (junior, first-loss).
USDC lenders fund uncollateralized credit lines, split into a senior USD3 tranche and a junior sUSD3 first-loss tranche.
Deposit USDC and pick your risk: senior USD3 is paid first and protected, junior sUSD3 earns levered yield but takes first loss.
Senior-weighted: lower yield, credit-enhancement protection from the junior tranche and originator safeguards.
Live signals detected by Sentinel monitors across all five risk classes.
See each alert's affected component, root-cause analysis, and recommended action. Pro members get the full risk breakdown for every protocol.
On-chain credit is almost entirely over-collateralized, so productive borrowers (traders, SMBs, fintech lenders, AI agents) cannot access capital against future cash flows, and stablecoin holders have no clean way to earn real credit-spread yield.
3Jane originates uncollateralized USDC credit — algorithmically underwritten via zkTLS-attested proofs and off-chain recovery — and packages the income into a senior USD3 / junior sUSD3 tranche pair so suppliers choose their risk/return.
A two-tranche stable-yield credit market combining crypto credit lines and fintech credit conduits under one pool, with zkTLS underwriting, a 7-day-timelock-gated Morpho fork, and Paradigm backing.
3Jane is a Lending protocol operating on Ethereum. 3Jane is a credit-based money market on Ethereum that funds uncollateralized USDC credit and pays yield through a two-tranche structure: USD3 (senior) and sUSD3 (junior, first-loss).
3Jane originates uncollateralized USDC credit — algorithmically underwritten via zkTLS-attested proofs and off-chain recovery — and packages the income into a senior USD3 / junior sUSD3 tranche pair so suppliers choose their risk/return.
DeFi Sentinel rates 3Jane C with a safety score of 54/100, indicating rated risk. The score reflects five risk dimensions: smart contract & technical risk, economic design & market risk, governance & centralization, sustainability & competitive position, and reputation & social trust. 3Jane has 5 audits on record. DeFi Sentinel's analysis flagged 2 high, 9 medium, 4 low risk alerts across Smart Contract & Technical Risk, Economic Design & Market Risk, Governance & Centralization and Sustainability & Competitive Position. As with all DeFi protocols, residual risk remains and users should review the full risk breakdown before depositing.
3Jane has a DeFi Sentinel safety score of 54/100 (rating C), last updated July 7, 2026. The score is computed across smart contract & technical risk (30%), economic design & market risk (25%), governance & centralization (20%), sustainability & competitive position (15%), and reputation & social trust (10%).
3Jane is deployed on Ethereum.
Yes. 3Jane has 5 audit reports on record from firms including Veridise, Sherlock, Electisec. Audit reports and dates are linked under the Resources tab on this page.
