3Jane will expand unsecured credit to an initial curated cohort, continually refining its underwriting models

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Phase 3 – Extend Credit Unsecured As the protocol opens to new users, we extend an initial tranche of unsecured credit lines to a curated cohort of high-signal wallets. Performance data such as repayments, delinquencies, and defaults feeds directly into 3CA, where it is used to re-estimate probability-of-default curves, recalibrate loss-given-default assumptions, and fine-tune credit-limit parameters on a rolling basis. Q3 2025

To enforce repayment and manage defaults, 3Jane leverages onchain auctions with U.S. debt collectors. Its phased rollout starts with fine-tuning credit models, onboarding suppliers, and gradually expanding unsecured lending. Each cycle improves underwriting accuracy and compresses credit spreads.