3Jane

3Jane is a credit-based money market on Ethereum: it funds uncollateralized USDC credit lines and facilities to U.S. fintechs via the USD3 (senior) and sUSD3 (junior / first-loss) yieldcoins. Depositors take onchain credit exposure; a $JANE liquidity mining program runs in parallel (tokens locked until final mint in 2026).

On 4 June 2025 it announced a $5.2M seed led by Paradigm, with Wintermute Ventures, Coinbase Ventures, Breed VC, Robot Ventures and Bodhi Ventures, plus angels including Andre Cronje, Guy Young, Julian Koh, Kain Warwick and others. Core and LCC contracts have been audited (Veridise, Sherlock, Electisec, Guardian).

On 28 October 2026 the LCC (Levered Callable Capital) referral campaign went live: a promise is a commitment to deposit USDC into USD3 when 3Jane issues a capital call. You stake 7.5% of the promise today (minimum promise $25,000 in USDC/USDT). The stake earns USDC yield (plus a temporary extra incentive until 24 November 2026, 00:00 UTC) and $JANE emissions. Joining via a referral link gives up to a 1.25× boost on your promise’s $JANE based on onchain Cred score; the referrer shares a weekly pool of 50,000 $JANE. Referral rewards last at least one month (extendable).

How to participate

1. Open the app with the referral Click here (code 6HYQK) and connect a wallet that has never staked on LCC.
2. Create a Promise on the USDC facility: confirm code 6HYQK and the boost appear under Referrer, then stake USDC or USDT (min promise $25,000; required stake is 7.5%). Optional: enable Promise Looping via Morpho (up to 6.25× on verified DeFi assets) — adds liquidation risk.
3. Stay ready for capital calls: you have 9 days to fund your share; missing a call puts the stake at risk. Use official LCC alerts and docs.
4. Farm $JANE outside promises (no referral boost): mint/deposit USD3, stake sUSD3, or use Pendle/Morpho farms listed on Click here.
5. Claim weekly locked $JANE from the Farm page. Final mint and transferability are planned for 2026.

Risks: LCC is a binding obligation: missing a call can slash the stake. USD3/sUSD3 carry credit risk of the facilities. Morpho looping adds leverage and liquidation risk. Unstaking and USD3 redeem have gates and cooldowns (e.g. 35 days after funding). The protocol is upgradeable / trusted. $JANE is locked until final mint; FDV and final supply stay variable. This is not a free airdrop: it needs real capital.

Anti-scam: only use 3jane.xyz, app.3jane.xyz, docs.3jane.xyz and X @3janexyz. Nobody from the team will ask for your seed phrase. DYOR.