ChainCatcher news, the lending protocol 3Jane tweeted the release of its white paper, which allows users to borrow with 0 collateral. The white paper indicates that 3Jane provides funding based on verifiable financial proofs rather than on-chain collateral.In addition, it utilizes zkTLS (zero-knowledge TLS) to connect on-chain and off-chain credit data for more accurate risk assessment. Bad loans are handled through on-chain auctions, with bids from U.S. debt collection agencies.