Merchants
All U.S.-based merchants can permissionlessly access 0% collateral USDC credit lines in real-time within two minutes. The connection flow is as follows:
Wallet connection: Merchant connects any EOA or smart account and signs a nonce, proving address control and anchoring subsequent data to a single on-chain identity.
Bank account connection via Plaid: OAuth-style login authorizes Plaid to supply real-time balances, 90-day cash-flow, and account history metrics. Data is fetched through a zkTLS relay (zkFetch) that provides a proof of provenance without disclosing raw PII on-chain.
Credit Karma connection: User logs into credit karma via zkTLS. 3Jane retrieves credit data from TransUnion and Equifax, including credit scores and other metadata.
MCA agreement signature: The merchant electronically signs the Merchant Cash Advance (MCA) clause, establishing legal recourse and payment terms under U.S. law. Agreement is visibile here: https://drive.google.com/file/d/1oVYpnAI4L82_tLI-TT92RsnLZHepZr8O/view?usp=sharing.
Instant drawdown: The merchant selects any amount up to the approved credit limit and receives USDC in the wallet. Only pay for what you've drawn.
Read the credit underwriter section for more details on how it impacts credit lines and interest rates.
Read the guide for how to connect offchain Credit Karma and Bank data.
Note: All off-chain data are attested with zkTLS; raw PII remains off-chain. Implementation details are in the “Proofs & Privacy” section.
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