
Reintroducing 3Jane
The modern capitalist financial system relies on two core pillars to drive economic growth: a medium of exchange & credit. While stablecoins have convincingly delivered on the former over the past 10 years, DeFi growth remains constricted by the absence of a capital-efficient mechanism for extending credit against the future. To truly become the internet-native financial system - free from bank liquidity - a cryptonative credit primitive must emerge. In our whitepaper, we outline a plan to de...

3Jane: Credit Scores in Crypto
Human will is the most capital-efficient, egalitarian form of collateral ever created. 3Jane is a credit-based money market on Ethereum enabling unsecured lines of credit underwritten against verifiable proofs of DeFi/CEX assets, future cash flows, and credit scores. This unlocks a three-dimensional collateral space within crypto financial markets by introducing future-backed credit alongside existing asset-backed loans. 3Jane integrates onchain address credit scoring models via Cred Protocol...

3Jane Raises $5.2M Led By Paradigm to Enable Cryptonative Credit Creation
Crypto needs credit expansion. The modern capitalist financial system relies on two core pillars to drive economic growth: a medium of exchange & the creation of credit. While stablecoins have convincingly delivered on the former over the past 10 years, DeFi growth remains constricted by the absence of a scalable and capital-efficient mechanism for credit creation. To truly become the internet-native financial system — free from bank liquidity — a cryptonative credit primitive must emerge.3Ja...
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Reintroducing 3Jane
The modern capitalist financial system relies on two core pillars to drive economic growth: a medium of exchange & credit. While stablecoins have convincingly delivered on the former over the past 10 years, DeFi growth remains constricted by the absence of a capital-efficient mechanism for extending credit against the future. To truly become the internet-native financial system - free from bank liquidity - a cryptonative credit primitive must emerge. In our whitepaper, we outline a plan to de...

3Jane: Credit Scores in Crypto
Human will is the most capital-efficient, egalitarian form of collateral ever created. 3Jane is a credit-based money market on Ethereum enabling unsecured lines of credit underwritten against verifiable proofs of DeFi/CEX assets, future cash flows, and credit scores. This unlocks a three-dimensional collateral space within crypto financial markets by introducing future-backed credit alongside existing asset-backed loans. 3Jane integrates onchain address credit scoring models via Cred Protocol...

3Jane Raises $5.2M Led By Paradigm to Enable Cryptonative Credit Creation
Crypto needs credit expansion. The modern capitalist financial system relies on two core pillars to drive economic growth: a medium of exchange & the creation of credit. While stablecoins have convincingly delivered on the former over the past 10 years, DeFi growth remains constricted by the absence of a scalable and capital-efficient mechanism for credit creation. To truly become the internet-native financial system — free from bank liquidity — a cryptonative credit primitive must emerge.3Ja...
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3Jane has integrated with Plaid’s data transfer network, allowing cryptonative borrowers to securely link their bank and centralized exchange (CEX) accounts across more than 12,000 U.S. financial institutions. With visibility into offchain cash, crypto, and income 3Jane can offer significantly higher USDC credit lines based on a borrower’s complete financial profile.
This milestone is a major step toward realizing our mission of building an internet-native financial system backed by future growth. We expand on this vision in our introduction post.
Currently, 3Jane can underwrite against all DeFi assets: farms, majors, altcoins, stables, staking, restaking, money market, DEX LP, CDP, derivatives DEX (hyperliquid), bridge, NFT, SoFi, RWA assets and more across all EVM chains. Today, that amounts to roughly $122B+ in TVL.
With this Plaid integration, 3Jane now gets visibility into:
$400B+ in crypto assets custodied on U.S. crypto exchanges like Coinbase, Kraken, and Gemini
$17T+ in demand deposits held in U.S. commercial banks like JP Morgan Chase, Bank of America, etc.
$23T+ in U.S. annual income

This allows 3Jane to underwrite against both onchain and offchain capital, turning previously siloed assets into soft collateral without requiring liquidation, custody transfer, or onchain movement of funds. For the first time, assets held across banks and and centralized exchanges can now be referenced in a trust-minimized, privacy-preserving way to boost borrowing capacity within DeFi.
Zero-knowledge TLS (zkTLS) allows one to obtain and prove the provenance of arbitrary HTTPS traffic, and without revealing personal identifiable information associated with that HTTPS session.
3Jane leverages Reclaim protocol, which uses the proxy model, in order to fetch and prove the integrity of Plaid API responses without introducing additional trust assumptions on the user or protocol itself. Furthermore, 3Jane will utilize EigenLayer’s cryptoeconomic security to ensure a collusion resistant set of designated verifiers that scales with credit line sizes. Proofs will be posted onchain, giving depositors transparency into offchain assets. Read more in our whitepaper.
More than $1 trillion in offchain assets can now be underwritten against onchain, enabling 10x credit expansion and laying the groundwork for true credit creation at internet scale.
Timeline
3Jane has integrated with Plaid’s data transfer network, allowing cryptonative borrowers to securely link their bank and centralized exchange (CEX) accounts across more than 12,000 U.S. financial institutions. With visibility into offchain cash, crypto, and income 3Jane can offer significantly higher USDC credit lines based on a borrower’s complete financial profile.
This milestone is a major step toward realizing our mission of building an internet-native financial system backed by future growth. We expand on this vision in our introduction post.
Currently, 3Jane can underwrite against all DeFi assets: farms, majors, altcoins, stables, staking, restaking, money market, DEX LP, CDP, derivatives DEX (hyperliquid), bridge, NFT, SoFi, RWA assets and more across all EVM chains. Today, that amounts to roughly $122B+ in TVL.
With this Plaid integration, 3Jane now gets visibility into:
$400B+ in crypto assets custodied on U.S. crypto exchanges like Coinbase, Kraken, and Gemini
$17T+ in demand deposits held in U.S. commercial banks like JP Morgan Chase, Bank of America, etc.
$23T+ in U.S. annual income

This allows 3Jane to underwrite against both onchain and offchain capital, turning previously siloed assets into soft collateral without requiring liquidation, custody transfer, or onchain movement of funds. For the first time, assets held across banks and and centralized exchanges can now be referenced in a trust-minimized, privacy-preserving way to boost borrowing capacity within DeFi.
Zero-knowledge TLS (zkTLS) allows one to obtain and prove the provenance of arbitrary HTTPS traffic, and without revealing personal identifiable information associated with that HTTPS session.
3Jane leverages Reclaim protocol, which uses the proxy model, in order to fetch and prove the integrity of Plaid API responses without introducing additional trust assumptions on the user or protocol itself. Furthermore, 3Jane will utilize EigenLayer’s cryptoeconomic security to ensure a collusion resistant set of designated verifiers that scales with credit line sizes. Proofs will be posted onchain, giving depositors transparency into offchain assets. Read more in our whitepaper.
More than $1 trillion in offchain assets can now be underwritten against onchain, enabling 10x credit expansion and laying the groundwork for true credit creation at internet scale.
Timeline
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