3Jane
  • Manifesto :: Borrow Against the Future
  • Short
  • Introduction
  • Scaling
  • Architecture
    • Core Money Market
      • Suppliers
      • Borrowers
      • Pool Interest Rates
      • Pool Backing
      • Repayments & Syncs
    • Credit Underwriter
      • 3CA Algorithm
      • Jane Score
      • Assets
    • Credit Slasher
      • Non-Performing Loan (NPL) Auction
      • Debt Write-Off
      • Default Game Theory
  • Risks
  • Proofs & Privacy
    • Proofs
  • Privacy & Storage
  • Borrow Examples
    • Farmer 1
  • Trader 1
  • Guide
    • Pull Credit Line
  • Resources
    • FAQ
    • Integrations
    • Links
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  1. Architecture

Core Money Market

PreviousScalingNextSuppliers

Last updated 5 days ago

Two-sided market where suppliers deposit USDC into the pool to mint USD3, and optionally stake for sUSD3, and get exposure to a diverse pool of credit lines to crypto borrowers. On the other side, borrowers permissionlessly connect their ETH address, bank account via Plaid, and credit karma via zkTLS, and instantly generate a 0% collateral open-term variable-rate USDC credit facility.

The core money market is an instantiation of the Morpho Blue contract with new credit underwriter, credit slashing, and interest rate modules to push credit lines, incentivize repayment, and provide address-specfic credit default risk premiums respectively.