3Jane

3Jane is a peer-to-pool, credit-based money market on Ethereum that enables algorithmic, real-time uncollateralized USDC credit lines for yield farmers, traders, businesses, and AI agents. The protocol underwrites loans against verifiable financial proofs — combining on-chain DeFi/CEX data, off-chain bank assets, future cash flows, and traditional credit scores via zkTLS — rather than requiring on-chain collateral alone. Its native stablecoin USD3 is backed by a pool of credit lines, and it also operates Fintech Credit Conduits (FCCs) to fund U.S. fintech lender receivables on-chain.