Paradigm инвестирует $5,2 млн в стартап 3Jane, создающий рынок беззалогового кредитования в криптовалютах

cryptonews.ruPublicado a 2023-11-05Actualizado a 2025-06-05

Инвестиционная компания Paradigm возглавила посевной раунд на $5,2 млн в криптовалютный кредитный стартап 3Jane. Вместе с анонсом сделки компания также официально вышла из режима скрытой разработки.

3Jane хочет изменить правила игры в DeFi

Основная цель проекта — создать первый рынок денежного обращения на базе беззалогового кредитования в криптовалютах. Протокол будет предоставлять мгновенные кредитные линии в USDC для трейдеров, фармеров, бизнесов и даже AI-агентов. Все — без обеспечения и с алгоритмическим управлением рисками.

По словам основателя 3Jane, предыдущие попытки создать беззалоговые кредиты в криптоиндустрии провалились из-за слабого скоринга и отсутствия юридических механизмов взыскания долгов.

В традиционном мире кредитный рейтинг основывается на оффчейн-данных: ипотеке, автокредитах, банковских картах. А в блокчейне таких данных попросту нет. 3Jane предлагает решение: сбор проверяемых финансовых данных из банков, CeFi, DeFi и даже потоков наличности — с помощью zkTLS.

Приватность vs рост DeFi

Создатели признают: многим пользователям важно сохранить анонимность. Но если DeFi хочет расти, компромиссы неизбежны. Протокол использует zkTLS — технологию, которая позволяет безопасно извлекать оффчейн-данные, не раскрывая саму информацию. Таким образом, можно проводить скоринг, не нарушая конфиденциальность клиента.

Читать также: Блокчейн-детектив ZachXBT присоединился к Paradigm

AI-агенты как будущие заемщики

В будущем команда 3Jane рассчитывает кредитовать не только людей или компании, но и автономные AI-агенты, которые будут управлять финансами бизнеса.

Сейчас платформа ориентирована на «гибридные» компании, где решения еще принимаются людьми, но через пару лет, считают в 3Jane, на рынок выйдут полностью цифровые структуры, и их тоже нужно будет оценивать как заемщиков.

Запуск намечен на третий квартал

Платформа планирует выйти в основную сеть в третьем квартале 2025 года. На первом этапе проект будет работать исключительно в США, где рынок кредитных линий, авансов и факторинга превышает $1 трлн.

По мнению Чудновского, беззалоговое кредитование — это «пятый всадник» DeFi после DEX, лендинга, стейкинга и рестейкинга. Именно его отсутствие сдерживает рост сектора.

Что дальше?

Если проекту удастся реализовать свою модель, это может стать ключевым шагом в построении нативной крипто-финансовой системы, способной работать без участия традиционных банков.

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