Assets
3Jane underwrites credit lines agains the following asset categories.
DeFi Assets (8 EVM networks)
Stablecoins – Dollar-pegged tokens held directly on chain, e.g., USDC, DAI, crvUSD.
Majors – Large-cap, high-liquidity crypto assets such as ETH or WBTC.
Altcoins – Mid- and small-cap ERC-20 tokens that fall outside the major set.
Hard-lock staking & governance locks – Positions that require a fixed unlock period: native solo-staked validator keys, veCRV, veAERO, veBAL, stkAAVE, etc.
Staked assets – Liquid staking receipts that track underlying ETH or other majors (stETH, cbETH, rETH).
Restaked assets – Tokens representing ETH restaked into EigenLayer or similar frameworks (eETH, rsETH).
Money-market receipts – Interest-bearing tokens like aUSDC or cDAI that represent deposits in lending markets.
DEX LP tokens – Positions in spot-AMM liquidity pools on Uniswap, Curve, Balancer, etc.
Yield-aggregator vault shares – Tokens issued by vaults that auto-compound or leverage underlying strategies (e.g., Yearn v3, Etherfi Liquid).
CDP & vault equity – Net collateral value remaining after subtracting protocol debt in Maker, Liquity, crvUSD LLAMMA bands, and similar vault systems.
Derivatives-DEX LP equity – Maker or liquidity-provider shares on perpetual-swap venues such as GMX or Hyperliquid.
Bridge-liquidity stakes – LP tokens earned for supplying same-asset liquidity to cross-chain bridges (Across, Stargate).
Real-world-asset tokens (RWA) – On-chain receipts backed by T-bills, commercial paper, or other off-chain credit (Ondo OUSDG, Backed ib01).
Principal tokens (PT) – Discounted tokens that redeem 1:1 for an underlying asset at a future maturity (Pendle PT-USDe-2026, Element PT-stETH).
Yield tokens (YT) – Tokens that collect all variable yield generated by an underlying asset until maturity (Pendle YT-DAI).
Liquidity Pool tokens (LPT) – Pendle LPT.
Insurance LP stakes – Capital positions in on-chain risk pools such as Nexus Mutual.
Lottery tokens – Prize-savings tickets where interest funds periodic raffles (PoolTogether v5).
Prediction-market shares – Outcome tokens for binary and scalar events on platforms like Polymarket.
NFTs – Floor-priced, high-liquidity collections (e.g., CryptoPunks, BAYC) accepted as collateral.
Social-Fi keys – Tradable creator or community keys (e.g., FriendTech keys).
Options-selling vault shares – Deposits in covered-call or put-selling strategies (Ribbon Earn, Dopex SSOV).
Centralised-exchange (CEX) assets
Custodied crypto & stablecoins – Spot balances visible via read-only API keys on venues such as Coinbase or Kraken.
Fiat balances – USD and other cash holdings inside exchange wallets.
Exchange earn products – Principal-protected fixed or flexible savings programs offered by exchanges.
Traditional bank (via Plaid)
Checking & savings cash – Immediately withdrawable USD balances.
Certificates of deposit (CDs) – Time-locked deposits at regulated U.S. banks.
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