3Jane.xyz Unveils Blockchain-Based Credit Infrastructure for Unsecured Loans
3Jane.xyz is an Ethereum-based credit protocol that aims to expand access to unsecured credit through blockchain technology. Founded by Jacob Chudnovsky, a DeFi infrastructure builder with experience in decentralized lending solutions, 3Jane launched in June 2026 alongside a $10M senior warehouse facility with consumer lender LendSwift.
The company's approach combines onchain and offchain credit data to evaluate verifiable crypto assets, bank assets, income, future cash flows, and credit data. This process generates risk-adjusted credit lines, which are used to fund consumer and small business receivables through blockchain-based systems.
3Jane has also entered into a forward-flow agreement with fintech company Slope, where Slope agrees to sell a steady stream of new loans to 3Jane over time. This program targets up to $50M in commitments.