Need Capital for Your Funding or Lending Company? 3Jane Does it On Blockchain. "I'm a big believer in agentic capital markets. I think we're going to see a Cambrian explosion of novel primitives, driven largely by two pieces. Today, it's just very easy to construct arbitrary financial building blocks using smart contracts," said Jacob Chudnovsky, Founder of 3Jane, to deBanked. 3Jane provides credit facilities and forward flow arrangements across a range of products, including consumer loans, small business loans, and even merchant cash advances. The company previously provided a $10 million senior warehouse facility to consumer lender LendSwift, for example, and followed that with an inaugural $8.5 million purchase of small business loans from Slope, an embedded credit infrastructure provider that powers business lending programs for major players across the US, including Amazon. According to Chudnovsky, 3Jane would like to do even more deals in the small business lending and MCA space. But with a twist. 3Jane has built an entire protocol on the blockchain. It offers a credit-backed "yieldcoin" that earns its yield "from warehouse facilities, forward-flow programs, and credit-lines." Investors can mint the coin on Ethereum, and it earns a yield backed by the performance of 3Jane's credit assets. Minting is not open to US investors, but the company's capital markets offerings are focused exclusively on North America. So, if you're a small business funder seeking a credit facility or forward flow arrangement, 3Jane wants to speak with you. Chudnovsky is a software engineer by trade and entered the DeFi space in 2020. "...around 2024, I basically came to the realization that credit is still an extremely underdeveloped vertical in crypto and particularly both the capital aggregation and the capital distribution side of it," he said. "My initial focus was 'can we get the best of crypto to distribute capital in a better way?' and so I founded 3Jane, and we started off by doing unsecured lines of credit for crypto users in the United States who had a bunch of these different assets and could not really borrow against it in a streamlined way." That effort eventually led to 3Jane's current business model. If the name 3Jane sounds familiar, it's because Chudnovsky drew it from the 1984 novel Neuromancer, the famous William Gibson book that coined the phrases "cyberspace" and "the matrix." By pure coincidence, Apple TV is releasing a 10-episode series based on the book in January 2027. "I just think we're going to enter this complete renaissance of new different financial primitives and I think it's going to drive a lot of adoption, new ways of thinking about our financial system and that sort of really resonated with me with the book," Chudnovsky said. And that new way of thinking is starting to take root. The capital markets utilizing blockchain to create efficiencies is already cropping up around the industry. Since 3Jane last spoke with deBanked, its purchase of embedded finance products from Slope has increased to a total of $60 million. 3Jane's customers do not need to be crypto experts. The company handles that side of the transaction while underwriting the risk and executing what is otherwise a conventional capital markets deal, but one in which the infrastructure is robust enough that this can be a lender's first and last facility. On 3Jane's part, doing this requires a strong understanding of the various financial products it evaluates, including MCA. "...there are a number of MCA operators in the United States that are doing things right, they're growing significantly and they need leverage to scale their business," Chudnovsky said. "and so warehouse facilities and to a lesser extent forward-flows for MCAs sort of equally make sense for them as long as you are cognizant of the risks." Last modified: July 27, 2026 Sean Murray is the President and Chief Editor of deBanked and the founder of the Broker Fair Conference. Connect with me on LinkedIn or follow me on twitter. You can view all future deBanked events here. Home" Business Lending, cryptocurrency, merchant cash advance, Uncategorized " Need Capital for Your Funding or Lending Company? 3Jane Does it On Blockchain

3Jane secures $60M in financing to bridge DeFi and traditional consumer lending. 3Jane's $10M warehouse line and $50M forward flow agreement marks ambitious attempt to connect decentralized finance with consumer lending markets. Financial technology firm 3Jane has secured $60 million in combined financing through a strategic initiative designed to bridge the gap between decentralized finance protocols and traditional consumer lending markets. The funding consists of a $10 million warehouse line of credit alongside a substantial $50 million forward flow agreement, positioning the company at the intersection of two previously disconnected financial ecosystems. The financing structure represents a notable evolution in fintech capital deployment, where companies increasingly seek to leverage both traditional banking infrastructure and emerging DeFi protocols to optimize lending operations. 3Jane's approach involves utilizing decentralized finance mechanisms to source capital while maintaining traditional consumer lending practices for loan origination and servicing. Warehouse lines of credit typically serve as short-term funding vehicles for lenders, allowing them to originate loans before selling them to permanent investors. The forward flow agreement component suggests 3Jane has secured a committed buyer for future loan originations, providing predictable exit liquidity for its lending operations. This dual structure creates a capital rotation system that could significantly enhance the company's lending capacity and operational efficiency. The strategic pivot toward bridging DeFi and consumer lending addresses a fundamental challenge in modern financial markets: the siloed nature of traditional and decentralized financial systems. While DeFi protocols have demonstrated remarkable innovation in programmable finance and yield generation, their integration with consumer-facing credit products has remained limited. 3Jane's model potentially creates a conduit for DeFi capital to flow into mainstream lending applications. However, the initiative faces considerable execution risks, particularly around loan performance metrics. Consumer lending success depends heavily on underwriting accuracy, borrower quality assessment, and economic conditions that affect repayment rates. The integration of DeFi capital sources adds complexity to risk management, as decentralized protocols operate under different governance and liquidity frameworks compared to traditional institutional lenders. Market observers note that the timing of 3Jane's launch coincides with renewed institutional interest in DeFi applications beyond speculative trading. Major financial institutions have begun exploring programmable finance capabilities for treasury management and cross-border payments, creating potential synergies for hybrid lending models. The company's financing achievement suggests institutional confidence in bridging strategies, despite the inherent operational challenges. The broader implications for fintech capital flows could prove substantial if 3Jane's model demonstrates sustainable performance. Traditional lenders face increasing pressure to diversify funding sources and reduce reliance on conventional bank partnerships, while DeFi protocols seek real-world applications that generate sustainable yield beyond speculative activities. Successful execution of this bridge model could catalyze similar initiatives across the lending sector. Risk management will likely determine the ultimate success of 3Jane's approach. The company must navigate regulatory compliance requirements for consumer lending while maintaining operational compatibility with DeFi protocols that operate under evolving regulatory frameworks. Additionally, the volatility inherent in cryptocurrency markets could create funding stability challenges that traditional warehouse facilities typically avoid. The $60 million financing provides 3Jane with significant firepower to test its hybrid lending thesis at scale. Whether this model can sustainably connect DeFi capital with consumer credit demand while maintaining acceptable risk levels remains the critical question for industry stakeholders monitoring this emerging intersection of traditional and decentralized finance. Klaus hartmann. Banking infrastructure correspondent. Tracks the Bundesbank, the ECB and German Mittelstand financial systems. § Comments Open discussion no account needed

3Jane, an Ethereum-based credit protocol, has launched with a $10 million senior warehouse facility and a $50 million forward-flow programme, bridging decentralised finance with traditional consumer lending. The company emerged from stealth following a $5.2 million seed round led by Paradigm in June 2025. The platform executed deals with LendSwift, a US consumer instalment loan lender, and Slope, a fintech providing SMB credit lines and buy-now-pay-later services. Receivables from these loans are pledged into bankruptcy-remote special purpose vehicles. 3Jane's native token, USD3, represents the senior funding tranche, offering yields around 8.5%. A staked version, sUSD3, provides leveraged exposure to the junior tranche with yields up to 15.4% APY. The protocol initially focused on crypto-native lending before pivoting to serve traditional lenders.