Jacob Chudnovsky

Jacob Chudnovsky@_yakovsky · 2026/08/06观点输出

RT @3janexyz: 1/ Last month we introduced LCC, a new primitive that lets 3Jane scale its balance sheet with ~13x capital efficiency using c…

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Jacob Chudnovsky@_yakovsky · 2026/07/22政策影响

Since the 2010's, most fintech innovation has been focused on using AI and the internet to make direct origination more effective (capital distribution) The $15T structured finance industry still operates on the same rails (capital aggregation) Crypto has the unique ability to turn sophisticated financial structures such as forward flows & securitizations into disintermediated pieces of software

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Jacob Chudnovsky@_yakovsky · 2026/07/09观点输出

Every day I am driven by the firm conviction that 90%+ of financial primitives in DeFi have yet to be discovered We spend 50%+ of time on R&D creating primitives for our core product - what we need simply doesn't exist yet LCC allows 3Jane to scale with 10x capital-efficiency

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Jacob Chudnovsky@_yakovsky · 2026/06/30观点输出

@maxlomu @3janexyz Yes but in doing so they incur significant cash drag into the yield-bearing asset, where a significant portion of capital is earning tbill rate Committed capital is fundamentally different - the funds stay with the defi user and are only called when deployment needs to happen

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Jacob Chudnovsky@_yakovsky · 2026/06/30观点输出

11/ We will be releasing it shortly, and we welcome collaboration

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Jacob Chudnovsky@_yakovsky · 2026/06/30赛道影响

10/ The goal is to get the best of both worlds: high capital efficiency & funding certainty through cryptoeconomic incentives, while tapping into the scale and distribution advantages of DeFi Capital forms globally, but USD3 only absorbs it when deals are executed

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Jacob Chudnovsky@_yakovsky · 2026/06/30观点输出

4/ Today, most DeFi protocols accept capital into the primary vehicle first and then hope it can be deployed productively at the same rate This is the simplest and most intuitive design, but it introduces cash drag and dilutes returns when inflows outpace deployment

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Jacob Chudnovsky@_yakovsky · 2026/06/30赛道影响

3/ Our design is built around three ideas: - capital is globally syndicated before it is needed - funding certainty is enforced through margin-backed cryptoeconomic incentives, not legal recourse - USD3 supply scales dynamically as deals execute

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Jacob Chudnovsky@_yakovsky · 2026/06/30赛道影响

2/ 3Jane’s core product extends warehouse and forward-flow facilities to fintech lenders The key question for us is how to scale the protocol by an order of magnitude without introducing cash drag into USD3

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Jacob Chudnovsky@_yakovsky · 2026/06/30赛道影响

1/ Capital calls are a core primitive across the $15tn+ private markets industry, enabling funds to scale deployments without cash drag @3janexyz has been building a cryptonative analog for USD3, combining high capital efficiency, funding certainty, and DeFi-scale distribution

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