3Jane leverages zkTLS technology to securely utilize off‑chain financial data, including bank assets and credit scores, for real‑time unsecured credit lines

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3Jane's founder also said he realizes a lot of crypto users enjoy their privacy, or in some cases anonymity, but believes concessions need to be made if DeFi is to scale significantly. “We've leveraged zkTLS, which is a recent technology that has become commercial grade, to trustlessly and in a privacy-preserving way, extract offchain credit data,” said Chudnovsky.

The protocol supports a two-token system: USD3, a stablecoin-yieldcoin backed by active credit lines, and sUSD3, which offers levered yield with subordinate claims. Credit risk is managed via a mix of onchain and off-chain credit data using Cred Protocol, Blockchain Bureau, and VantageScore 3.0 via zkTLS.