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![Delphi_Digital Avatar](https://lunarcrush.com/gi/w:24/cr:twitter::1037045241084342272.png) Delphi Digital [@Delphi_Digital](/creator/twitter/Delphi_Digital) on x 208.5K followers
Created: 2025-07-08 14:57:56 UTC

3/ This is possible through 3Jane's Credit Algorithm (3CA) which determines loan terms:

Your credit line takes into account risk-adjusted assets and cash flows.

Your interest rate builds from a base rate plus your personal risk premium, with late penalties. Monthly payments are the minimum of the protocol repayment rate or lifetime portfolio appreciation.

Both your on-chain & off-chain data is factored into these calculations.


XXX engagements

![Engagements Line Chart](https://lunarcrush.com/gi/w:600/p:tweet::1942599033685750270/c:line.svg)

**Related Topics**
[onchain](/topic/onchain)
[protocol](/topic/protocol)
[fed rate](/topic/fed-rate)
[delphi](/topic/delphi)

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