# 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:

1. **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.
2. **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.
3. **Credit Karma connection:** User logs into credit karma via zkTLS. 3Jane retrieves credit data from TransUnion and Equifax, including credit scores and other metadata. 
4. **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>.
5. **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](https://docs.3jane.xyz/architecture/credit-underwriter) section for more details on how it impacts credit lines and interest rates.

Read the [guide](https://docs.3jane.xyz/guide/pull-credit-line) for how to connect offchain Credit Karma and Bank data.

{% hint style="info" %}
Note: All off-chain data are attested with zkTLS; raw PII remains off-chain. Implementation details are in the “Proofs & Privacy” section.
{% endhint %}

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