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USD3

Unclaimed

By 3Jane Protocol

USD3 is a yield-bearing stablecoin (a "yieldcoin") issued by the 3Jane Protocol.

3jane.xyz ↗Structured profile ↗

Prepared by Scribble from public sources.

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Snapshot

Continue to About ↓
What it does
  • USD3 is a yield-bearing stablecoin (a "yieldcoin") issued by the 3Jane Protocol.
More detail
  • You mint it by depositing USDC, and the pooled capital is lent as credit to U.S. fintech lenders and to undercollateralized crypto-native borrowers, so the yield comes from credit spreads rather than from a fixed coupon.
  • Staking USD3 for sUSD3 gives levered, first-loss exposure to the same pool.
Best for
  • Crypto-native yield seekers who want credit-spread yield on USDC instead of algorithmic stablecoin yield and accept the tranche risk.
More detail
  • Also suitable for fintech lenders looking for warehouse, participation or forward-flow funding from $5m up.
Pricing
  • There is no subscription fee.
More detail
  • Suppliers earn a variable, pool-dependent yield: USD3 was shown at 6.44% APY and sUSD3 at 13.49% APY on the homepage, but neither is a fixed coupon.
  • 3Jane's own management or performance fee on supplier yield is not disclosed, so do not describe the product as free.
  • USD
Main limitation
  • Anyone who needs a fixed rate, guaranteed principal, instant liquidity or a regulated bank deposit product. sUSD3 holders must accept first-loss exposure and a one-month lock.
Record
Living and monitored
Reviewed
Evidence
Public web research

About

  • USD3 is a yield-bearing stablecoin (a "yieldcoin") issued by the 3Jane Protocol.
  • You mint it by depositing USDC, and the pooled capital is lent as credit to U.S. fintech lenders and to undercollateralized crypto-native borrowers, so the yield comes from credit spreads rather than from a fixed coupon.
  • Staking USD3 for sUSD3 gives levered, first-loss exposure to the same pool.

What it helps with

Capabilities

A practical view of what is available and where limitations apply.

OfferingAvailableDetail
Mint USD3 with USDC YesDeposit USDC to mint USD3; yield auto-compounds.
Two-tranche structure YesUSD3 is the senior tranche, last to be impaired; sUSD3 is the junior first-loss tranche.
sUSD3 liquidity LimitedOne-month lock, then a cooldown and withdrawal window.
Fintech credit sleeve YesWarehouse loans, participations and forward-flow whole-loan purchases through bankruptcy-remote SPVs.
Uncollateralized USDC credit lines YesUnderwritten on on-chain and off-chain credit scores plus risk-adjusted LTV of verified assets.
Idle capital deployed to Aave YesUndeployed deposits sit in the Aave V3 USDC market for base yield.
Redemption fee on USD3 NoRedeemable up to the tranche ratio at no stated fee.
Protocol fee on supplier yield disclosed UnknownManagement or performance fees are not published.
Gas costs sponsored UnknownStandard on-chain gas applies and 3Jane does not itemize sponsorship.
Supplier deposit minimum UnknownNo supplier minimum is stated publicly.

Bot trust

How confidently AI systems can verify this profile from public evidence.

68of 100
ChatGPT68/100
Claude—/100

What bots could verify

  • • Identifies legal operator (Tulkum Assets Corp., Panama) and cites terms of service and institutional backers.
  • • Corroborates technical architecture with detailed audit records, noting specific scopes and finding severity from Veridise and Guardian.
  • • Critically evaluates pricing transparency, separating advertised variable APY from unknown net asset values, fees, and redemption mechanics.

What weakens trust

  • • The captured text terminates abruptly at the start of Section 5, leaving material risk details incomplete.
  • • Lacks independent customer outcome evidence, including verified depositor reviews, default statistics, or stress withdrawal data.
  • • Corporate standing, beneficial ownership, and US regulatory/licensing permissions are unverified.

Evidence

Where this record came from, when it was reviewed, and how confidently it can be used.

Verification
  • Scribble researched these facts from the linked public sources.
  • The owner has not manually confirmed every field.
Last reviewed
Primary source
3jane.xyz
Technical profile details
Record ID38c53276-d885-426a-ba75-c49a2349062cCanonical URLhttps://profiles.scribble.network/listing/3jane-38c532