3Jane

3Jane is an Ethereum-mainnet credit-based money market that issues algorithmic, real-time uncollateralized USDC credit lines underwritten against verifiable financial proofs rather than on-chain collateral. Its 3CA credit-assessment algorithm and Jane Score combine on-chain history with off-chain signals (bank data via Plaid, VantageScore/credit metadata, zkTLS proofs via Reclaim Protocol and EigenLayer). Capital suppliers deposit USDC to mint USD3, a yieldcoin with a senior claim on interest repayments, or stake it for sUSD3, a junior tranche that earns levered yield while absorbing first losses. Backing comes from Fintech Credit Conduits (warehouse loans and forward-flow programs for U.S. fintech lenders) and Crypto Credit Lines. The protocol is governed by a timelock and multisig and coordinated by the JANE token. 3Jane raised a $5.2M seed round led by Paradigm, with Coinbase Ventures and Wintermute Ventures participating.

3Jane is profiled on the APIs.io network. Tagged areas include Company, Crypto Defi, DeFi, Lending, and Credit.

3Jane’s developer surface includes documentation, API reference, getting-started guide, signup flow, support, engineering blog, FAQ, and 10 more developer resources.

🌐 Visit website 📡 Source on GitHub

20.8/100 emerging ▬ flat Agent 4/100 human only Full breakdown ↓
scored 2026-07-27 · rubric v0.5

0 APIs

CompanyCrypto DefiDeFiLendingCreditUncollateralized LendingStablecoinMoney MarketEthereumYield

Kin Score

Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5

Composite quality — 20.8/100 · emerging

Contract Quality 0.0 / 25

Developer Ergonomics 6.5 / 20

Commercial Clarity 6.8 / 20

Operational Transparency 0.7 / 13

Governance 0.0 / 12

Discoverability 6.8 / 10

Agent readiness — 4/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 15

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 4 / 4

Consent & Bot Identity 0 / 3

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/3jane: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

Get Started 2

Portal, sign-up, and the first successful call

GettingStarted

GettingStarted

SignUp

SignUp

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

WellKnown

WellKnown

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Operate 2

Status, limits, changes, and where to get help

Support

Support

FAQ

FAQ

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 3

The organization behind the API

Website

Website

Blog

Blog

Twitter

Twitter

Other 2

Properties that don't map to a standard resource type

Whitepaper

Whitepaper

Audits

Audits

Source (apis.yml)

aid: 3jane
name: 3Jane
description: 3Jane is an Ethereum-mainnet credit-based money market that issues algorithmic, real-time uncollateralized USDC
  credit lines underwritten against verifiable financial proofs rather than on-chain collateral. Its 3CA credit-assessment
  algorithm and Jane Score combine on-chain history with off-chain signals (bank data via Plaid, VantageScore/credit metadata,
  zkTLS proofs via Reclaim Protocol and EigenLayer). Capital suppliers deposit USDC to mint USD3, a yieldcoin with a senior
  claim on interest repayments, or stake it for sUSD3, a junior tranche that earns levered yield while absorbing first losses.
  Backing comes from Fintech Credit Conduits (warehouse loans and forward-flow programs for U.S. fintech lenders) and Crypto
  Credit Lines. The protocol is governed by a timelock and multisig and coordinated by the JANE token. 3Jane raised a $5.2M
  seed round led by Paradigm, with Coinbase Ventures and Wintermute Ventures participating.
url: https://raw.githubusercontent.com/api-evangelist/3jane/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- paradigm
x-tier: profiled
x-tier-reason: enrichment-pipeline-2026-07-17
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
image: https://3jane.xyz/og-image.png
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-17'
tags:
- Company
- Crypto Defi
- DeFi
- Lending
- Credit
- Uncollateralized Lending
- Stablecoin
- Money Market
- Ethereum
- Yield
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://www.3jane.xyz
- type: Documentation
  url: https://docs.3jane.xyz
- type: APIReference
  name: Smart Contract Addresses (Ethereum Mainnet)
  url: https://docs.3jane.xyz/developers/addresses
- type: GettingStarted
  name: Supply USDC
  url: https://docs.3jane.xyz/usd3-susd3/supply-usdc
- type: GitHubOrganization
  url: https://github.com/3jane-protocol
- type: SignUp
  name: Launch App
  url: https://app.3jane.xyz/farm
- type: Support
  name: Discord
  url: https://discord.com/invite/xzfNggwBjH
- type: Blog
  name: Mirror
  url: https://mirror.xyz/0x763E83224239b339788c36652EFA9f40107EFf2C
- type: Twitter
  url: https://twitter.com/3janexyz
- type: TermsOfService
  url: https://www.3jane.xyz/pdf/terms-of-service.pdf
- type: PrivacyPolicy
  url: https://www.3jane.xyz/pdf/policy.pdf
- type: Whitepaper
  url: https://www.3jane.xyz/pdf/whitepaper.pdf
- type: FAQ
  url: https://docs.3jane.xyz/resources/faq
- type: Audits
  name: Security Audits
  url: https://docs.3jane.xyz/resources/audits
- type: LLMsTxt
  url: llms/3jane-llms.txt
- type: WellKnown
  url: well-known/3jane-well-known.yml
- type: DomainSecurity
  url: security/3jane-domain-security.yml
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence