Giới thiệu về 3Jane

3Jane is a credit-based money market on Ethereum enabling unsecured lines of credit underwritten against verifiable proofs of crypto & bank assets, future cash flows, and credit scores. This unlocks a three-dimensional collateral space within crypto financial markets by introducing future-backed loans alongside existing asset-backed loans. 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.