3Jane DeFi Platform Opens Unsecured USDC Lending on Ethereum

3Jane is a DeFi protocol on Ethereum that offers unsecured USDC loans without collateral, based on user creditworthiness. This approach broadens access to credit for more users and enhances capital efficiency in the crypto ecosystem. The project has secured $5.2 million from investors including Paradigm, Coinbase Ventures, Robot Ventures, Wintermute, Breed VC, Bodhi Ventures, and others. To participate, users can connect their wallets on the lending platform, which calculates and displays available borrowing options and limits. Users can also increase their Credit Line by utilizing features like Credit Carma or linking external bank accounts, although the latter may carry risks. Further details and calculations are available through the project's article, and future incentives might include bonuses for active participation in the Discord community. Overall, the opinion is cautiously optimistic, planning to test the platform's features with small investments, acknowledging risk management and the presence of established funds in the space.