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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On this page
  • DeFi Assets (8 EVM networks)
  • Centralised-exchange (CEX) assets
  • Traditional bank (via Plaid)
  1. Architecture
  2. Credit Underwriter

Assets

3Jane underwrites credit lines agains the following asset categories.

DeFi Assets (8 EVM networks)

  1. Stablecoins – Dollar-pegged tokens held directly on chain, e.g., USDC, DAI, crvUSD.

  2. Majors – Large-cap, high-liquidity crypto assets such as ETH or WBTC.

  3. Altcoins – Mid- and small-cap ERC-20 tokens that fall outside the major set.

  4. Hard-lock staking & governance locks – Positions that require a fixed unlock period: native solo-staked validator keys, veCRV, veAERO, veBAL, stkAAVE, etc.

  5. Staked assets – Liquid staking receipts that track underlying ETH or other majors (stETH, cbETH, rETH).

  6. Restaked assets – Tokens representing ETH restaked into EigenLayer or similar frameworks (eETH, rsETH).

  7. Money-market receipts – Interest-bearing tokens like aUSDC or cDAI that represent deposits in lending markets.

  8. DEX LP tokens – Positions in spot-AMM liquidity pools on Uniswap, Curve, Balancer, etc.

  9. Yield-aggregator vault shares – Tokens issued by vaults that auto-compound or leverage underlying strategies (e.g., Yearn v3, Etherfi Liquid).

  10. CDP & vault equity – Net collateral value remaining after subtracting protocol debt in Maker, Liquity, crvUSD LLAMMA bands, and similar vault systems.

  11. Derivatives-DEX LP equity – Maker or liquidity-provider shares on perpetual-swap venues such as GMX or Hyperliquid.

  12. Bridge-liquidity stakes – LP tokens earned for supplying same-asset liquidity to cross-chain bridges (Across, Stargate).

  13. Real-world-asset tokens (RWA) – On-chain receipts backed by T-bills, commercial paper, or other off-chain credit (Ondo OUSDG, Backed ib01).

  14. Principal tokens (PT) – Discounted tokens that redeem 1:1 for an underlying asset at a future maturity (Pendle PT-USDe-2026, Element PT-stETH).

  15. Yield tokens (YT) – Tokens that collect all variable yield generated by an underlying asset until maturity (Pendle YT-DAI).

  16. Liquidity Pool tokens (LPT) – Pendle LPT.

  17. Insurance LP stakes – Capital positions in on-chain risk pools such as Nexus Mutual.

  18. Lottery tokens – Prize-savings tickets where interest funds periodic raffles (PoolTogether v5).

  19. Prediction-market shares – Outcome tokens for binary and scalar events on platforms like Polymarket.

  20. NFTs – Floor-priced, high-liquidity collections (e.g., CryptoPunks, BAYC) accepted as collateral.

  21. Social-Fi keys – Tradable creator or community keys (e.g., FriendTech keys).

  22. Options-selling vault shares – Deposits in covered-call or put-selling strategies (Ribbon Earn, Dopex SSOV).

Centralised-exchange (CEX) assets

  1. Custodied crypto & stablecoins – Spot balances visible via read-only API keys on venues such as Coinbase or Kraken.

  2. Fiat balances – USD and other cash holdings inside exchange wallets.

  3. Exchange earn products – Principal-protected fixed or flexible savings programs offered by exchanges.

Traditional bank (via Plaid)

  1. Checking & savings cash – Immediately withdrawable USD balances.

  2. Certificates of deposit (CDs) – Time-locked deposits at regulated U.S. banks.

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