Short

3Jane is a credit-based money market on Ethereum enabling unsecured lines of credit underwritten against verifiable proofs of crypto & bank assets, future cash flows, and credit scores. This unlocks a three-dimensional collateral space within crypto financial markets by introducing future-backed loans alongside existing asset-backed loans. 3Jane integrates onchain address credit scoring models via Cred Protocol and Blockchain Bureau with offchain VantageScore 3.0 credit scores via zkTLS, enabling risk-adjusted underwriting at scale. To maintain protocol solvency, 3Jane operates onchain auctions where U.S. collections agencies can bid on non-performing debt. By expanding access to unsecured credit, 3Jane unlocks a new era of capital efficiency, empowering a new class of high-productivity economic actors — including cryptonative sole proprietors, businesses, and AI agents — to borrow against future productivity.