3Jane
Lends USDC mainly to US fintech lenders (trade credit, inventory and consumer loans via Slope, Settle and LendSwift), plus a small book of unsecured credit lines. Junior sUSD3 takes losses first, then senior USD3.
Specialty financeFintech receivablesIssuerTranched
Supply
$115M$115,001,984 Onchain supply · 10 Nov, 08:03 UTC
30-day yield
USD3 6.56%6.5563% Token price · 10 Nov, 08:03 UTCsUSD3 13.89%13.8879% Token price · 10 Nov, 08:03 UTC
Used in DeFi
$84.2M$84,169,382 Lending venues, onchain balances, Pendle · 10 Nov, 08:01 UTC
73.2%73.1895% Pendle · 10 Nov, 08:01 UTC of supply
USD3 not staked (senior)sUSD3 (junior)
Stored history only: a day with no reading is a gap.
About this data
Source: Onchain totalSupply × NAV · daily, UTC.
Tokens
| Token | Role | Size | 30-day yield | Used in DeFi | Exit | Token page |
|---|---|---|---|---|---|---|
| USD3 | Senior | $115M$115,001,984 Onchain supply · 10 Nov, 08:03 UTC | 6.56%6.5563% Token price · 10 Nov, 08:03 UTC | $84.2M$84,169,382 Lending venues, onchain balances, Pendle · 10 Nov, 08:01 UTC · 73.2%73.1895% Pendle · 10 Nov, 08:01 UTC | Curve pool, or redeem via 3Jane | Open |
| sUSD3 | Junior | $8.5M$8,517,198 Onchain supply · 10 Nov, 08:03 UTCinside USD3 | 13.89%13.8879% Token price · 10 Nov, 08:03 UTC | $2.9M$2,877,251 Lending venues, onchain balances, Pendle · 10 Nov, 08:01 UTC · 33.8%33.7817% Pendle · 10 Nov, 08:01 UTC | 30-day cooldown | Open |
How it works
- USDC
- USD3
- stake
- sUSD3
Used in DeFi
See in Lending| Where | Token | Posted | Borrowed | Rate | % of supply |
|---|---|---|---|---|---|
| PendleUSD3 held by Pendle | USD3 | $72.5M$72,501,463 Onchain balances, Pendle · 10 Nov, 08:05 UTC | 63%63.0437% Onchain balances, Pendle · 10 Nov, 08:05 UTC | ||
| Morpho · Ethereum ↗→ USDC · Inside Pendle’s balance, not added again | PT-USD3 (17 Dec) | $22.6M$22,644,986 Morpho · 10 Nov, 08:01 UTC | $17.3M$17,331,604 Morpho · 10 Nov, 08:01 UTC | 10.12%10.1177% Morpho · 10 Nov, 08:01 UTC | |
| Morpho · Ethereum ↗→ USDT · Inside Pendle’s balance, not added again | PT-USD3 (17 Dec) | $16.3M$16,264,881 Morpho · 10 Nov, 08:01 UTC | $13.6M$13,616,905 Morpho · 10 Nov, 08:01 UTC | 5.25%5.2455% Morpho · 10 Nov, 08:01 UTC | |
| Morpho · Ethereum ↗→ USDC · Inside Pendle’s balance, not added again | PT-USD3 (17 Dec) | $16.0M$15,974,357 Morpho · 10 Nov, 08:01 UTC | $11.9M$11,873,051 Morpho · 10 Nov, 08:01 UTC | 9.50%9.5031% Morpho · 10 Nov, 08:01 UTC | |
| Morpho · Ethereum ↗→ USDC | USD3 | $11.7M$11,667,920 Morpho · 10 Nov, 08:01 UTC | $10.2M$10,214,994 Morpho · 10 Nov, 08:01 UTC | 6.72%6.7219% Morpho · 10 Nov, 08:01 UTC | 10.1%10.1458% Morpho · 10 Nov, 08:01 UTC |
| PendleNot added: sUSD3 holds USD3 | sUSD3 | $2.9M$2,877,251 Onchain balances, Pendle · 10 Nov, 08:05 UTC | 33.8%33.7817% Onchain balances, Pendle · 10 Nov, 08:05 UTC |
Getting out
USD3
- Redeem
- redeem through 3Jane's app
- DEX
- Curve USD3/frxUSD pool ↗
- Borrow against
- Morpho · 1 market (+3 via PT-USD3)
sUSD3
- Redeem
- start a cooldown anytime; after 30 days it can be claimed, but only if the senior/junior ratio allows it
Facts
- Price source
- USD3, sUSD3: Exchange rate. Read from the token contract; it rises as interest accrues.
- Collateral
- Fintech loan receivables, with originator first-loss; credit lines are unsecured
- Borrowers
- US fintech lenders (Slope, Settle, LendSwift) and approved crypto borrowers
- Loss order
- Junior sUSD3 takes losses first, then senior USD3. The insurance fund covers the unsecured credit lines only.
Sources
- Supply
- Token supply onchain, times the token’s own price · 10 Nov 2026, 08:03 UTC
- Used in DeFi
- Morpho, Kamino, Aave and Euler APIs, Curvance onchain reader; balances held in Pendle and vaults · 10 Nov 2026, 08:01 UTC
- USD3 30-day yield
- The token’s price change over 30 days, or the issuer’s own figure · 10 Nov 2026, 08:03 UTC
- sUSD3 30-day yield
- The token’s price change over 30 days, or the issuer’s own figure · 10 Nov 2026, 08:03 UTC
- Seniors survive and capital stack
- Tranche contracts, read onchain · 10 Nov 2026, 08:03 UTC
- Tokens
- Token registry (data/config/tokens.json) · 9 Nov 2026
- Description, routes, exit terms and facts
- 3Jane's backing page (app.3jane.xyz/info/backing), 10 Nov 2026; links from 3Jane's docs · 10 Nov 2026