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. Borrow Examples

Farmer 1

PreviousPrivacy & StorageNextTrader 1

Last updated 7 days ago

Option 1: Overcollateralized Borrowing

  1. Collateralize 52K ETH and borrow 25K USDC against it @ 5.33% variable APR via Aave (50% LTV)

  2. Collateralize 27K S and borrow 13K USDC against it @ 3.27% variable APR via Aave Sonic(50% LTV)

  3. Result: 38K USDC @ blended 4.63% APR

Option 2: 3Jane Unsecured Borrowing

  1. 3CA underwrites against onchain transactions, offchain credit score, and entire DeFi/CEX/Bank financial profile. Generates a 141K USDC credit line (15.1% of asset value) at 7.93% variable APR (including a fixed 2.6% credit default risk premium above 5.33% SOFR)

  2. Borrow up to 141K USDC

  3. Result: 141K USDC @ blended 7.93% APR