3Jane
AuditedVerifiedNew3Jane 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).
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The Problem
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.
The Solution
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.
Why it Matters
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.
Protocol Metrics
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View allFrequently asked questions about 3Jane
What is 3Jane?+
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).
How does 3Jane work?+
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.
Is 3Jane safe?+
DeFi Sentinel rates 3Jane BBB with a safety score of 68/100, indicating moderate 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 8 audits on record. DeFi Sentinel's analysis flagged 2 high, 8 medium, 3 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.
What is the safety score of 3Jane?+
3Jane has a DeFi Sentinel safety score of 68/100 (rating BBB), last updated September 17, 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%).
Which chains does 3Jane support?+
3Jane is deployed on Ethereum.
Has 3Jane been audited?+
Yes. 3Jane has 8 audit reports on record from firms including Veridise, Sherlock, Electisec. Audit reports and dates are linked under the Resources tab on this page.