3Jane USD3: 3Jane is a lending service on Ethereum that gives people and businesses credit lines without collateral, based on proof of their crypto holdings, income, or credit history. Its pages make no dated promises we could check. It trades at $1.18, #317 of all coins by size, 1% below its highest ever price.
This week Nothing changed on its record.
A real job. No dated promises on its pages. Nothing dated ahead. #3 of 39 yield-bearing tokens. Nothing to be careful of on the record.
Is it real?
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1 of 4
- ✓A real-world jobReal-world purpose: a stable digital dollar
- –Real backingA named investor, an index, a major exchange, or a billion-dollar size.
- –Something aheadA dated step, deliveries on record, or demand showing up in the news.
- –Room to growWorth at least four times less than the biggest coin doing the same job, so the gap is real, not a guess.
No named backer
- Origin31 August 2026about 15 days3jane.xyz, GitHub, Whitepaper
- DevelopersNot namedNeither Wikidata nor its listing names the foundersCode activity not checked
- BackingNo named investorNot on a big exchange we track
- Standing on the recordNo recordNo dated promise to judge yet4 headlines last monthNo corrections needed so far
It is already worth more than the typical coin in Yield-Bearing Tokens ($6.42M). To match the leader, apyUSD ($181.7M), its price would need to rise 126%, to about $2.66.
Still to check
- No dated promise on record yet, so delivery cannot be judged
- Listed on fewer than two big exchanges
- No named investor among its tags
- Only 4 headlines named it last month
What to do Nothing dated is ahead and nothing has been delivered on record. There is no event to wait for yet, which is itself the answer.
A gap is not a forecast. Most small coins never close it. The site never picks.
Four tests, printed. Passing all four means a real job, real backing, something ahead, and a price far below the leader of its group. A filter on facts, never a verdict.
Every line has a source: the coin's own listing, CoinGecko's tags, the record, or the news feed. Reputation here is a count, never an opinion.
Does it deliver?
No dated promise has been found on the pages this project publishes. Its pages are saved every night, so anything it commits to from now on appears here.
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Every line is quoted from the project's own pages, with the copy we stored and, where one exists, the article that reported it
What is next, and when?
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Nothing dated
The project has not put a date on anything still open. That is a fact worth knowing.
How big is it next to its rivals?
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Only coins within a hundred times its worth; a coin a thousand times bigger is another world
A stable digital dollar
19 coins we checked say they are for a stable digital dollar, worth $272.95B together. #19 of 19 by worth.
Yield-Bearing Tokens: this coin against its direct competitors
- CoinWorth, as a barWorthAgainst this coinToday, and the gapSupplyPromises
3Jane USD3$80.54Mthis coin−0.1%no maxnone dated
apyUSD$181.7M2.3× bigger, +$101.16M−0.5%, gap −0.4no maxno record
Nest BlackOpal LiquidStone II Vault$102.53M1.3× bigger, +$22M+0.0%, gap +0.2no maxno record
Midas mF-ONE$65.27M1.2× smaller, −$15.26M−0.0%, gap +0.1no maxno record
Steakhouse Confidential Prime USDC$33.97M2.4× smaller, −$46.57M+0.0%, gap +0.2no maxno record
THORChain Yield$32.05M2.5× smaller, −$48.49M+1.6%, gap +1.888% outno record
Midas mHYPER$31.57M2.6× smaller, −$48.97M+0.0%, gap +0.1no maxno record
Galaxy USDT Quality$23M3.5× smaller, −$57.54M+0.2%, gap +0.3no maxno record
Yield-Bearing Tokens: this coin next to apyUSD, the biggest rival within reach. People go to the bigger coin unless the smaller one does something it does not.
- 3Jane USD3 says
- 3Jane is a lending service on Ethereum that gives people and businesses credit lines without collateral, based on proof of their crypto holdings, income, or credit history.
- apyUSD says
- apyUSD is a yield-bearing vault token issued by the Apyx protocol on Ethereum.
Two claims, side by side, in their own words. Whether the difference is real is for the record to show over time, and for you to judge.
3Jane is a lending service on Ethereum that gives people and businesses credit lines without collateral, based on proof of their crypto holdings, income, or credit history.
Its listing puts it this way: 3Jane is a credit protocol that provides programmable, asset-backed financing to fintech lenders through warehouse facilities, participations, and forward-flow loan purchases. The facilities are funded through a pooled capital structure comprising USD3 and sUSD3.
Problem it says it solves: a stable digital dollar. 27 coins we have checked say the same; together they are worth $275,379,450,817.
Where it trades: Curve
Each bar is a coin's worth today (price × coins out), longest first. The lit bar is this coin; grey bars are the others doing the same job.
Bars are market cap. Order is size, nothing else. Differences are measured from the coin you are looking at.
What should make me careful?
Nothing printed today
None of the six tests fails. A missed promise counts only on a record a person has checked.
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The tests: nothing to hold it for, more missed than delivered, priced ahead of its record, half the supply still to come, rivals ship while it does not, a big release of coins soon.
The homework: the coin itself, the news, the record
The coin itself
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The last 7 days
Where today sits against its highest ever price
Highest ever: $1.20 on 7 September 2026. Today is 98% of that.
100%
of all USD3 that will ever exist is already out in public hands: 67.98M coins.
Nothing is held back. Every coin is already out.
out held back. Each dot is 1%.
Its pages do not say what holding it gets you
That is worth knowing before buying. A coin nobody needs is priced on hope.
- Nothing the project's own pages spell out.
That is all a market cap is: today's price times the coins in public hands. It moves every time the price does. It says what buyers are paying, not what the coin is worth.
- 67.98Min circulation of 67.98M total. No hard maximum is set, so more can be created.
- of its all-time high of $1.20 on 7 September 2026. That is −1.3% from the top.
- #317by market cap, $80,538,668.
- Not checkedwho holds the most coins, and how much has been burned. Those need on-chain data this site does not read yet.
Supply and value figures from CoinGecko, refreshed hourly. Not part of the record.
What the news says
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Headlines per day, last 30 days
4 headlines named this coin in the last month.
What they were about
- Price1
- Digital Assets: From Cryptocurrencies to Meme Coins - Page 15
- Digital Assets: From Cryptocurrencies to Meme Coins - Page 15
- Digital Assets: From Cryptocurrencies to Meme Coins - Page 15
- USD3 to BTC: 3Jane USD3 Price in Bitcoin
Headlines are the publishers' own. News is never placed next to price.
The record itself
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Six facts, the project's own replies, its peers, contract facts, references and every stored copy
3Jane is a lending service on Ethereum that gives people and businesses credit lines without collateral, based on proof of their crypto holdings, income, or credit history.
“3Jane is a credit-based money market on Ethereum enabling unsecured lines of credit underwritten against verifiable proofs of DeFi/CEX assets, future cash flows, and credit scores.”source · snapshot · captured 2026-09-14
Live. The record does not yet cite when this stage began.
No dated or committed promises have been recorded yet.
Others in lending protocols: Cap 3 of 10, XRP 2 of 3, Fluid 0 of 7, Kamino 0 of 1, and 3 more.Others in stablecoins: Synthetix 6 of 11, Cap 3 of 10, A7A5 0 of 3, Frax USD 0 of 1, and 4 more.
No public code repository is listed in this record.
The project's blog page last changed on 14 September 2026.
Nothing further to flag from the record as it stands.
This record was drafted by a machine from captured pages and has not yet been checked by a person. Treat every line as unverified until that note changes.