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
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  1. Architecture

Credit Underwriter

PreviousRepayments & SyncsNext3CA Algorithm

Last updated 7 days ago

The 3Jane Credit Risk Algorithm (3CA) is a 3Jane-operated offchain credit underwriting algorithm that underwrites credit lines against Jane scores and assets, and derives the (1) credit line size, (2) default risk risk premium %, and (3) repayment rate.

  • Jane Score: Composition of onchain & offchain creditworthiness, including Cred score, Blockchain Bureau score, and Equifax / TransUnion VantageScore 3.0 credit scores.

  • Assets: DeFi assets, CEX crypto assets, and bank cash balances.