Announcing Block Analitica’s Strategic Partnership with 3Jane

We are excited to announce that Block Analitica and 3Jane has entered into a strategic partnership to advance credit risk assessments and enhance the 3Jane risk engine. The collaboration will enable 3Jane to expand unsecured credit lines while maintaining rigorous risk standards.

3Jane

Unlike traditional overcollateralized lending protocols that require collateral lockups, 3Jane is a credit-based money market on Ethereum offering unsecured lines of credit, underwritten against a user’s total verified value across DeFi, combined with their offchain VantageScore 3.0 credit scores.

This represents a fundamentally new approach to money markets in DeFi, enabling 3Jane to extend credit lines against a broader range of exotic and productive assets with greater speed and efficiency. By evaluating a user’s entire DeFi portfolio and overall creditworthiness, rather than treating each position as isolated margin, the objective is to reduce overhead while significantly increasing lending velocity.

The 3Jane design should also allow for higher credit lines to users at the furthest end of the risk curve, with significantly less risk of incurring bad debt due to enforceable recovery and portfolio diversification.

The Block Analitica & 3Jane Partnership

Under the partnership, Block Analitica will focus on three critical areas: data collection, risk engine calibration, and protocol and token assessments.

"At Block Analitica, we specialise in building robust frameworks, data pipelines, and risk models that enable responsible growth in DeFi. Partnering with 3Jane allows us to bring this expertise to an innovative credit model that expands access to unsecured credit lines while upholding the highest standards of security." - Primož Kordež, CEO at Block Analitica

Data Collection

Block Analitica will provide resilient data pipelines powered by our proprietary database, ensuring high uptime and granular detail. By integrating with data from numerous protocols across multiple chains, the partnership will enable strict data quality standards to support accurate credit risk analysis.

Risk Engine Calibration

Recognising that asset classes vary significantly, Block Analitica and 3Jane are working together to build tailored risk models. These models incorporate a wide range of yield profiles to deliver optimised Loan-to-Value (LTV) ratios that balance user accessibility with protocol security.

Protocol/Token Assessments

The collaboration also includes comprehensive evaluations of smart contract architecture, tokenomics, redemption processes, and liquidation mechanisms. By rigorously assessing multiple protocols and tokens, the partnership will help exclude high-risk collateral and safeguard the integrity of 3Jane’s credit ecosystem.

"We’re excited to partner with Block Analitica to build the future of onchain credit. Accurate risk modelling is at the core of our product, and their deep expertise in assessing DeFi-specific risks perfectly complements our in-house volatility and correlation engines perfectly. Together, we’re building the most advanced underwriting engine in crypto." - Jeremy Obadia, Head of Risk at 3Jane

Block Analitica’s Focus on DeFi

While 3Jane integrates diverse asset types (DeFi, CEXs, banks) and offchain credit scores to create new credit lines, it is important to note that Block Analitica’s role in the partnership is dedicated exclusively to the assessment of DeFi assets.