Lenders deposit USDC to mint USD3 and supply the money market; borrowers draw unsecured USDC credit lines underwritten by 3Jane's risk engine. Interest paid by borrowers accrues to USD3 and sUSD3 holders, with sUSD3 absorbing first-loss risk in exchange for a higher share of yield.

3Jane issues USD3, a yield-bearing token minted by depositing USDC, and sUSD3, a staked junior tranche that earns boosted yield while absorbing first-loss credit risk. Yield is generated from unsecured USDC credit lines underwritten against on-chain and verifiable off-chain proofs.

3Jane is a credit-based crypto money market on Ethereum that lets users earn yield through USD3 and access unsecured USDC credit lines using verifiable proofs of assets, creditworthiness, and future yield.