3Jane

3Jane is a credit-based Ethereum currency market that supports unsecured credit line underwriting based on verifiable cryptocurrency and bank asset certifications, future cash flows, and credit ratings. By introducing future-backed loans on top of existing asset-backed loans, it introduces a new dimension of collateral in the crypto financial market. 3Jane achieves large-scale risk-adjusted underwriting by combining the on-chain address credit scoring model with the VantageScore 3.0 credit scoring from off-chain sources, using the Cred Protocol and the Blockchain Bureau, along with the Zero-Knowledge Transfer Layer Security Protocol (zkTLS).