Paradigm Backs 3Jane’s Bold Move Into Crypto Credit

Its mission: build the first unsecured credit system tailored for digital assets.

While many crypto lenders rely on overcollateralization, 3Jane flips the model. The company wants to deliver real-time USDC credit lines without requiring upfront collateral. Yield farmers, AI agents, traders, and crypto-native businesses are all potential users.

Algorithmic Credit for Web3

The 3Jane protocol operates as a peer-to-pool credit market. It uses smart contracts to automate unsecured lending. Credit lines are generated algorithmically and settle instantly. Users borrow in USDC based on algorithmic evaluations, not traditional paperwork.

Founder Jacob Chudnovsky believes his team has solved a long-standing pain point. Past crypto credit models collapsed due to weak underwriting and limited legal tools. “Most loans today rely on offchain systems—mortgages, car loans, credit cards,” he said. “That doesn’t work for crypto.”

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Blending Onchain Signals With Real-World Proofs

3Jane uses a new method to assess borrower risk. Instead of offchain credit reports alone, it integrates DeFi activity, CEX holdings, bank balances, cash flow, and more. Every data point contributes to what the company calls “verifiable financial proofs.”

With these tools, 3Jane aims to bridge the gap between traditional credit scoring and onchain identity. By merging both worlds, the startup hopes to fuel a new wave of unsecured lending in Web3.

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