3Jane.xyz – GoDaddy customer – (United States)
Organizations developing blockchain infrastructure use .xyz domains to support decentralized networks and digital finance. Blockchain infrastructure company Layer.xyz builds tools for verifiable applications using WAVS.xyz. Tether-backed blockchain technology project KAIO.xyz seeks to bring institutional funds onchain through compliant tokenization. Blockchain payments firm Obita.xyz develops systems for global fiat and stablecoin transactions. In this week’s #BlockchainThursday, we’ll introduce you to an Ethereum-based credit protocol developing blockchain infrastructure built to expand access to unsecured credit and bridge decentralized and traditional finance: 3Jane.xyz.
3Jane.xyz is the online home of 3Jane, an Ethereum-based credit protocol focused on expanding access to unsecured credit through blockchain technology. In June 2026, the company announced its public launch alongside a $10M senior warehouse facility with consumer lender LendSwift, a short-term credit line to help LendSwift fund new loans, with 3Jane’s capital repaid first if losses occur. Alongside this, 3Jane entered the first phase of a forward-flow agreement with fintech company Slope, an arrangement where Slope agrees to sell a steady stream of new loans to 3Jane over time. The program targets up to $50M in commitments. According to the company, 3Jane aims to connect onchain capital with traditional lending by funding consumer and small business receivables through blockchain-based systems.1 In June 2025, the company announced a $5.2M seed funding round led by venture capital firm Paradigm.xyz as it emerged from stealth.2
According to 3Jane’s manifesto, the protocol is designed to help bring credit creation onchain by supporting what it calls “Fintech Credit Conduits.” Rather than relying solely on overcollateralized crypto loans, the platform is intended to provide revolving funding rails for U.S. fintech lenders. These funding rails take the form of warehouse facilities, loan participations, and forward-flow agreements. The company states that capital is organized into two tokens, USD3 and sUSD3, which together form the capital stack used to finance these credit facilities through bankruptcy-remote special purpose vehicles. According to the company, this structure is geared towards making issuance, settlement, and capital distribution more programmable. It is also designed to diversify exposure across multiple underlying borrowers.
The project’s technical documentation describes a credit-based money market that combines onchain and offchain financial information to underwrite unsecured USDC credit lines. According to 3Jane’s whitepaper, the protocol evaluates verifiable crypto assets, bank assets, income, future cash flows, and credit data using integrations with credit-scoring service Cred Protocol, verification platform Blockchain Bureau, financial data platform Plaid, and zkTLS-based proofs to generate risk-adjusted credit lines. The documentation also outlines mechanisms intended to support protocol solvency, including credit scoring, repayment incentives, and an onchain process for handling non-performing loans.
Jacob Chudnovsky founded 3Jane in October 2024. According to the Experience section of Jacob’s LinkedIn profile, he previously served as a Founding Engineer at Aevo, a decentralized derivatives platform, where he developed decentralized structured products, lending solutions, and options tools. He later became Head of Strategy at Aevo, where he helped grow the derivatives exchange and oversaw an onchain unsecured revolving credit facility.3
As 3Jane continues developing its Ethereum-based credit protocol and expanding its approach to onchain lending systems, the company uses the memorable 3Jane.xyz domain to present its vision online. Short, memorable, and widely adopted by blockchain-focused platforms and crypto startups, .xyz is the go-to choice for companies working to connect blockchain technology with the future of internet-native capital markets. You can learn more by following 3Jane on X/Twitter @3janexyz, GitHub, and LinkedIn, joining the Discord, and by visiting 3Jane.xyz.
1. https://cryptobriefing.com/3jane-launches-warehouse-line-forward-flow/
2. https://www.theblock.co/post/356872/paradigm-leads-5-million-seed-round-in-crypto-credit-startup-3jane
3. https://www.linkedin.com/in/jacob-chudnovsky-5a3b1b112/
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