3Jane anticipates scaling by integrating AI‑driven financial management tools, driving the shift toward autonomous, agent‑managed business operations in DeFi

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3Jane positions itself as a crypto-native alternative to traditional banking credit systems, offering USDC-denominated credit lines to traders, yield farmers, businesses, and artificial intelligence (AI) agents. Unlike conventional DeFi lending platforms, which rely on overcollateralization, 3Jane explained that it enables borrowing against credit scores, DeFi assets, centralized exchange (CEX) assets, bank deposits, and future cash flows—without upfront collateral.