On March 12, the lending agreement 3Jane tweeted to announce the white paper, where users can achieve loan 0 mortgages. The content of the white paper shows that 3Jane provides funds based on verifiable financial proof rather than on-chain collateral. In addition, zkTLS (zero-knowledge TLS) is used to connect on-chain and off-chain credit data to achieve more accurate risk assessment. Bad loans are processed through on-chain auctions and are bid-for-purchase by US debt collection agencies.