3Jane Ecosystem Vault on Ethereum
V2A Morpho V2 vault on Ethereum that lends out USDC deposits, curated by Clearstar. Depositors earn 6.51% a year right now after a 15% performance fee.
Data from Morpho's API · updated
Net APY
6.51%
after fees, paid to depositors
30-day APY
6.84%
7-day 6.63%, from the share price
Deposits
$14.17M
14.17M USDC
Withdrawable now
$2.41M
17% of deposits
Performance fee
15%
of the interest earned
Depositors
214
largest holds 17.9%
3Jane Ecosystem Vault APY history
Net APY earned each day, from the vault's share price: after fees, without token rewards
| Day | Deposits | Net APY |
|---|
Deposits over time
Where the money goes
The markets this vault lends to right now, largest first
| Market | Lent | Share |
|---|---|---|
| USD3 / USDCLLTV 91.5% | $10.48M | 52.1% |
| PT-USD3-17DEC2026 / USDCLLTV 86% | $7.99M | 39.7% |
| PT-USD3-17DEC2026 / USDCLLTV 86% | $1.64M | 8.1% |
The curator decides which markets the vault may use and how much it may put in each (the cap). Allocators then move money between those markets within the caps. How vaults work.
What the loans are backed by
Share of this vault's lending by the collateral borrowers put up
| PT-USD3-17DEC2026 | 68.9% |
|---|---|
| USD3 | 31.1% |
Returns over time
Net APY actually earned over each period, from the share price: after fees, without token rewards
| Last day | 6.42% |
|---|---|
| Last 7 days | 6.63% |
| Last 30 days | 6.84% |
| Last 90 days | 5.76% |
Who controls this vault
| Curator | Clearstar |
|---|---|
| Owner | 0xb3CF…2B443-of-6 multisig |
| Timelock to raise a cap | 3 dayswait before more can go into a market |
| Timelock to add an adapter | 3 dayswait before a new kind of investment |
| Timelock to raise fees | None |
| Allocators | 4addresses that move money between markets |
| Sentinels | 1can pull money back or cut caps in an emergency |
| Created | January 9, 2026 |
Timelocks give depositors time to leave before a change they dislike takes effect. Morpho risks explained.
Details
| Deposit asset | USDCprice $0.9997 |
|---|---|
| Vault version | Morpho Vault V2 |
| APY before fees | 7.70% |
| Vault contract | 0xe05f…9826 |
| USDC token | 0xA0b8…eB48 |
| Network | Ethereum |
The curator's description: "3Jane Ecosystem Vault exclusively allocates to assets related to the 3Jane ecosystem. Find more info about the project on their website www.3jane.xyz."
Largest depositors
214 addresses hold shares in this vault
| Address | Deposit | Share of vault |
|---|---|---|
| 0xC442…7427 | $2.53M | 17.9% |
| 0xb459…FF10 | $2.00M | 14.1% |
| 0xaA6A…B3A0 | $1.51M | 10.7% |
| 0x42ea…d705 | $1.44M | 10.1% |
| 0xB52b…A169 | $1.00M | 7.1% |
| 0x0F99…62E7 | $1.00M | 7.1% |
| 0x6D3B…5409 | $883K | 6.2% |
| 0x2ee7…8587 | $550K | 3.9% |
| 0xe336…5E61 | $503K | 3.6% |
| 0x2a69…378d | $470K | 3.3% |
When a few addresses hold most of a vault, one large withdrawal can use up the liquidity that is free right now.
About 3Jane Ecosystem Vault
3Jane Ecosystem Vault is a Morpho V2 vault on Ethereum, created on January 9, 2026. It takes USDC deposits and lends them to borrowers in 3 Morpho markets. The curator, Clearstar, decides which markets it may use and how much can go into each.
It holds $14.17M (14.17M USDC) from 214 depositors and pays a net APY of 6.51% after its 15% performance fee. Over the last 30 days depositors actually earned 6.84% a year.
Its largest position is USD3 / USDC at 52% of its deposits, followed by PT-USD3-17DEC2026 / USDC (40%) and PT-USD3-17DEC2026 / USDC (8%). Counting every market, its loans are backed mainly by PT-USD3-17DEC2026 (69%) and USD3 (31%). 17% of deposits could be withdrawn right now.
Adding a market or raising how much can go into one waits behind a timelock of 3 days, which gives depositors time to leave first. The owner is a 3-of-6 multisig wallet. Morpho's app shows no warnings for this vault.
3Jane Ecosystem Vault: quick answers
What is the APY of 3Jane Ecosystem Vault on Ethereum?
3Jane Ecosystem Vault pays 6.51% net APY right now, after its fees. Measured from the growth of its share price, it paid 6.84% over the last 30 days. The rate changes every day with what its borrowers pay.
What does 3Jane Ecosystem Vault lend against?
It lends USDC through 3 Morpho markets. The biggest is USD3 / USDC with 52% of its deposits. Overall its loans are backed mainly by PT-USD3-17DEC2026 (69%) and USD3 (31%).
Can I withdraw from 3Jane Ecosystem Vault right now?
About $2.41M of its $14.17M in deposits (17%) could be withdrawn immediately. The rest is lent out and frees up as borrowers repay or as higher rates bring in new lenders.
Who runs 3Jane Ecosystem Vault and what does it charge?
Clearstar curates it. It keeps 15% of the interest earned as a performance fee. The net APY shown is after these fees.
What are the risks of 3Jane Ecosystem Vault?
Like every Morpho vault, it can lose money if a borrower's collateral crashes faster than it can be liquidated, if a price oracle fails, or through a smart contract bug. Withdrawals can wait when its markets are fully borrowed. Adding a market or raising a cap waits behind a timelock of 3 days. This is not advice.
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