3Jane
3Jane is an Ethereum-mainnet credit-based money market that issues algorithmic, real-time uncollateralized USDC credit lines underwritten against verifiable financial proofs rather than on-chain collateral. Its 3CA credit-assessment algorithm and Jane Score combine on-chain history with off-chain signals (bank data via Plaid, VantageScore/credit metadata, zkTLS proofs via Reclaim Protocol and EigenLayer). Capital suppliers deposit USDC to mint USD3, a yieldcoin with a senior claim on interest repayments, or stake it for sUSD3, a junior tranche that earns levered yield while absorbing first losses. Backing comes from Fintech Credit Conduits (warehouse loans and forward-flow programs for U.S. fintech lenders) and Crypto Credit Lines. The protocol is governed by a timelock and multisig and coordinated by the JANE token. 3Jane raised a $5.2M seed round led by Paradigm, with Coinbase Ventures and Wintermute Ventures participating.
More than an index entry, but the surface is still mostly links rather than artifacts — the cohort most likely to move a full band from modest, well-targeted work.
API Evangelist profiles 3Jane the way a machine reads it — 1 machine-readable artifact, pulled from the provider's own public surface and indexed so a developer, an analyst, or an AI agent can evaluate it against every other provider on the network.
Every provider in the network is reduced to the same set of machine-readable artifacts — OpenAPI contracts, event specifications, GraphQL schemas, runnable collections, pricing and rate-limit signals, security posture, OAuth scopes, and the agent surfaces (MCP servers and skills) that let software drive the API on its own. We profile them because the interface is the part of a company you can actually inspect: it is a truer signal of what a provider does than any marketing page. From those artifacts we compute the Kin Score — 3Jane scores 20.8/100 (emerging), with a separate agent-readiness read of 4/100 (human only). The full breakdown is below, followed by every artifact we hold — each card links through to its machine-readable definition on apis.io.
Kin Score
This is the API Evangelist rating — a single, repeatable read computed from the artifacts on this page. Green fill is points earned; the red track is points possible, so every bar shows earned-versus-possible at a glance.
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
How we profile 3Jane
Each block below is one kind of artifact we hold for 3Jane. For each we say what it is and why it earns a place in the profile, then list every one we've indexed — capped at two rows, scroll within the panel for the rest.
Security Posture 1
Authentication, domain security, vulnerability disclosure, and trust-center signals — the evidence that a provider takes security seriously enough to document it. We profile it because you can't govern what you can't see.
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Resources
Every other property we hold for 3Jane — documentation, portals, status pages, policies, and corporate surface — grouped by the job it does, following the integrator's arc from getting started to running in production.
Get Started 2
Portal, sign-up, and the first successful call
Documentation 2
Reference material describing how the API behaves
Agent Surfaces 2
MCP servers, agent skills, and machine-readable catalogs
Build 1
SDKs, sample code, and the tooling you integrate with
Access & Security 1
Authentication, authorization, and security posture
Operate 2
Status, limits, changes, and where to get help
Commercial 2
Pricing, plans, and the legal terms of use
Company 3
The organization behind the API
Other 2
Properties that don't map to a standard resource type
← All providers · Data indexed from github.com/api-evangelist/3jane · machine-readable index on apis.io