3Jane Protocol: Combining on-chain and TradFi data, unsecured loan services based on credit assessment

Decentralized Finance (Decentralized Finance) The development of the market is restricted by the over-collateralized borrowing model, while uncollateralized loans are only limited to institutional-grade markets or community credit systems. 3Jane Protocol provides instant USDC credit lines through a credit-based lending mechanism, replacing traditional on-chain collateral with verified financial data, ushering in a new era of loans secured by future cash flows.

Decentralized Finance lending status and challenges

3Jane Protocol pointed out that the current Decentralized Finance lending market is divided into two extremes:

Overcollateralized loans: only applicable to specific categories of Decentralized Finance assets, such as Aave or Morpho.

Unsecured loans: usually only provided to private credit institutions or institutional markets as liquidity tools.

This model leads to the lack of an effective credit expansion mechanism in the Decentralized Finance industry, making it difficult for market participants with less capital but high productivity to obtain funding support.

The uncollateralized lending solution of 3Jane Protocol

As a Decentralized Finance credit lending market based on Ethereum, 3Jane Protocol provides users with the service of depositing USDC and earning USD3 tokens. At the same time, borrowers can connect their Ethereum address with a bank account to obtain USDC credit limits without the need for traditional on-chain collateral:

3Jane achieves higher capital efficiency through on-chain and off-chain credit scoring mechanisms.

A deep dive into the 3Jan whitepaper reveals the core functionalities of the protocol:

Currency lending market: allowing capital to flow efficiently in a Decentralized Finance environment

First, 3Jane's lending market allows liquidity providers to earn interest and participate in profit distribution based on market changes by depositing USDC in the lending pool and minting USD3 or sUSD3.

At the same time, borrowers, traders, businesses, AI agents ( can link their bank accounts and crypto wallets to obtain instant credit limits.

Credit assessment system: on-chain assets, traditional financial data, and future cash flows

For credit assessment, 3Jane utilizes the innovative 3CA )3Jane Credit Assessment( comprehensive assessment algorithm to analyze the borrower's verifiable financial data ) including on-chain Decentralized Finance assets, centralized exchange assets, bank deposits, and future cash flows, etc.(.

In terms of on-chain assets, 3Jane integrates the on-chain credit scoring mechanism Cred Protocol and Blockchain Bureau to collect users' past transaction records, borrowing and repayment history, and liquidity provision situation, calculating users' credit score.

In traditional financial data, 3Jane collects borrowing and repayment records, credit card debt, etc., through zkTLS zero-knowledge proof technology, and obtains credit scores through the traditional VantageScore 3.0 system; at the same time, it also analyzes cash flow, income status, and asset data through the bank and CEX accounts linked by users.

Credit Default Management: How to Ensure the Safety of Loans?

In the face of default or overdue borrowers, 3Jane has the following measures:

Credit Score Slashing ): If the repayment of the loan is delayed, the system will reduce its credit score, affecting future loan conditions.

on-chain debt auction (Onchain Dutch Auction): If the borrower fails to repay the loan on time, 3Jane will initiate on-chain Non-Performing Loan, NPL( auction, which will be bid by a licensed collection agency in the United States to collect the debt. By exposing some information about the borrower and legal recourse, ensuring debt recovery.

Risk management mechanism: Borrowers can increase on-chain addresses, connect more bank accounts, and bind CEX assets to increase credit limits and reduce risk premiums.

Advantages of 3Jane Protocol

Improve capital efficiency: Traditional Decentralized Finance lending requires over-collateralization, while 3Jane can allow users to obtain credit lines based on their overall financial situation.

Expand the borrower base: In addition to traditional Decentralized Finance users, 3Jane also provides financing opportunities for enterprises, individuals, and AI agents )AI agent(.

Credit risk management: Using zkTLS zero-knowledge proof technology to ensure the verifiability and privacy protection of the borrower's financial data; and adopting EigenLayer's encrypted economic security technology to obtain credit verification and data credibility.

3Jane: may offer unsecured loans for AI agents

Currently, the credit assessment of 3Jane Protocol is still asset-based, but in the future, it will further transition to cash flow-based credit assessment, allowing more productive market participants with less assets to obtain loans.

Very cool. AI powered real-time unsecured USDC credit. The future is accelerating.

— Jeremy Allaire – jda.eth / jdallaire.sol )@jerallaire( March 11, 2025

In addition, with the rise of AI agents, 3Jane also plans to offer unsecured credit products for AI agents, further expanding the possibilities of Decentralized Finance lending markets.

) China General AI Agent Manus test is out! Early testers believe that the financial application scenarios perform the best, and some media outlets begin to hype (

Through innovative credit assessment and unsecured borrowing models, the 3Jane Protocol breaks the limitations of traditional Decentralized Finance lending, providing market participants with more flexible and efficient financing channels. With technological advancements, 3Jane is expected to become a key infrastructure in the Decentralized Finance lending market, driving the economic expansion of the Ethereum ecosystem.

This article 3Jane Protocol: combining on-chain and traditional financial data, based on credit assessment unsecured loan services first appeared in ChainNews ABMedia.