3Jane is the first credit-based money market — built on Base — offering instant, trustless, and permissionless lines of credit to crypto users, secured by their creditworthiness and future cash flows. 3Jane underwrites based on onchain assets as well as verifiable Coinbase balances, Bank cash and cash flows, and FICO scores — unifying onchain and offchain credit data.
USD3 is 3Jane’s yield-bearing stablecoin, backed by a pool of credit lines, allowing depositors to provide USDC, mint USD3, and interoperate seamlessly across DeFi while also providing credit seekers with instant access to a global pool of liquidity. USD3 is built on Aave’s credit delegation infrastructure, generating a baseline money market return.