3Jane manages credit risk through on‑chain auctions involving U.S. debt collectors, integrating data from Cred Protocol, Blockchain Bureau, and VantageScore 3.0

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3Jane integrates onchain address credit scoring models via Cred Protocol and Blockchain Bureau with offchain VantageScore 3.0 credit scores via zkTLS, enabling risk-adjusted underwriting at scale.

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.