> For the complete documentation index, see [llms.txt](https://docs.3jane.xyz/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.3jane.xyz/backing/ccl/credit-underwriter.md).

# Credit Underwriter

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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.