3Jane founder Jacob Chudnovsky told The Block that previous attempts have been made to provide unsecured credit in the digital assets market but have failed due to a lack of “robust” credit underwriting and legal recourse. With underwriting in crypto, the major challenge is that practically all credit-based interactions deal with mortgages, auto loans and credit cards, which exist offchain, said Chudnovsky, adding that he believes 3Jane has solved this dilemma.