# 3Jane

**Canonical:** https://apis.io/providers/3jane/  
**Website:** https://www.3jane.xyz  
**APIs profiled:** 0

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.

## Kin Score — 20.1 / 100 (emerging)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 20.1).

| Facet | Score |
|---|---|
| Discoverability | 57.4 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 2.6 |
| Developer Ergonomics | 35.7 |
| Commercial Clarity | 34.2 |
| Access Clarity | 34.2 |

## Agent readiness — 0.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## Security (1)

- **3Jane Domain Security** — TLSv1.3 · HSTS

## Tags

Company, Crypto Defi, DeFi, Lending, Credit, Uncollateralized Lending, Stablecoins, Money Market, Ethereum, Yield

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/3jane/). Scores are computed from the provider's own public artifacts under a published rubric.