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
  2. Core Money Market

Pool Backing

Total Value Verified (TVV) measures every verifiable dollar that stands behind USD3 / sUSD3 at any block. It is composed of two yield sources that automatically rebalance as borrower utilization changes:

  1. Aave (Overcollateralized): Idle USDC is first supplied to the Aave V3 USDC market and streams the base yield to depositors. Whenever a borrower pulls USDC, the system automatically withdraws the required amount from Aave and funds the credit line—then refills it as repayments arrive.

    1. Yield source: Aave’s USDC supply rate (SOFR).

    2. Backing: Aave’s multi-asset collateral set (ETH, stETH, major stables, etc.)

  2. 3Jane Credit Lines (On Credit): As borrowers draw, part of TVV migrates from the Aave into live credit lines priced by 3CA. Credit limits rely on asset proofs across DeFi wallets, CEX balances, bank accounts, and brokerages. Repayments flow back into the Aave unless they are immediately re-lent.

    1. Yield source: Aave base rate plus borrower utilisation spread plus the 3CA default-risk premium

    2. Backing: Verifiable off-chain and on-chain assets and cash-flows tied to each borrower, enforced by the credit-slashing and collections infrastructure.

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Last updated 5 days ago