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3F
One-click leveraged exposure to tokenized real-world assets via Morpho
Last verified August 17, 2026 · Updated daily
What 3F is building
3F is a vault protocol built on Morpho that gives DeFi users one-click leveraged exposure to tokenized real-world assets. The mechanism: a user selects a tokenized RWA vault (tokenized credit funds, arbitrage strategies, real estate income), sets their desired leverage, and 3F handles the rest. It coordinates flash loans through bridge facilitators, manages the borrow loop on Morpho on the user's behalf, and handles liquidations automatically. What would normally require manual position management, understanding of Morpho's borrow mechanics, and coordination across multiple protocols happens in a single transaction. On the lender side, depositing stablecoins into 3F's Morpho-powered vaults earns yield from the aggregated RWA looping demand. The yield source does not move with crypto prices. It comes from real-world arbitrage and credit strategies. The 3F x Steakhouse vault is already live on Morpho. When the borrow-side activates, lenders earn yield from RWA looping demand, a countercyclical yield source that scales as more traditional asset managers bring tokenized products onchain.
Why this matters
The tokenized RWA market has crossed ~$23 - 36B+ billion in 2026, with traditional asset managers including Baillie Gifford now deploying tokenized credit products at production scale. The tools for leveraging those positions have not kept pace. Professional investors in traditional finance can access leverage on credit funds easily. DeFi users cannot, not because the assets are not onchain, but because the coordination infrastructure does not exist. 3F is that infrastructure. Maven11 is the most important signal in the cap table. They are the pre-eminent DeFi-native VC in Europe: early in Aave, Balancer, and the Morpho ecosystem. Their lead on this round is a direct statement about the RWA leverage primitive being the next category of DeFi infrastructure. F-Prime Capital (Fidelity's VC arm) participating alongside Susquehanna Crypto and GSR means the round has both DeFi-native and institutional financial credibility. That combination is rare at seed.
Open roles at 3F
3 positions we're tracking. Roles are re-checked daily and removed when filled.
Know when 3F is hiring before anyone else
A role stays uncontested for about four days. Here's the window — and where we put you in it.
From $9/month, cancel any time.
Watching 3F
0 applicantsRole spotted & verified
1You get the alert
1You've applied
~8Hits the job boards
250+Hiring outlook
High. $4M seed with a live product, a live vault, and an institutional investor stack that expects rapid protocol expansion. No public job listings anywhere.
Working at 3F
3F is One-click leveraged exposure to tokenized real-world assets via Morpho, founded in and now people. What this means for you: opportunity to shape your role based on the company stage.
Decentralized is where most 3F positions are located.
How to actually get hired at 3F
Why applying the normal way doesn't work
3F has an ATS but the real pipeline is referrals → sourced → recruiter picks → cold apps. You can still get through, but know where you stand.
Who to contact at 3F
What to show them
3F is built on Morpho and coordinates flash loans and liquidation mechanics. As the collateral universe expands (more tokenized RWA assets, more bridge facilitators), the protocol layer needs engineers who understand the Morpho architecture deeply and can write gas-efficient, audit-ready vault logic. Core skills: Solidity, Morpho protocol architecture, flash loan mechanics, vault standards (ERC-4626 preferred), liquidation logic, Foundry, formal verification awareness Proof of work: Write a simplified ERC-4626 vault that accepts a tokenized RWA as collateral and coordinates a single flash-loan borrow loop on a mock Morpho market. Publish the code. In the README, explain where the liquidation risk surfaces and how you would parameterize it.
A cold email that works at 3F
What 3F screens for
The Maven11 announcement quote is precise: "The true infrastructure to leverage the potential of RWAs has lagged behind. 3F brings this innovation forward." This is not a directional bet on RWA tokenization (that is already consensus). It is a bet on 3F as the specific protocol that builds the leverage layer. A protocol-level category bet of that specificity, at Maven11 conviction, means they are expecting 3F to move fast: more collateral assets, more vault types, more chains. Every one of those moves requires engineering and protocol BD hires. GSR and Susquehanna Crypto's participation is a liquidity signal. These are two of the largest market makers in crypto. They are not making speculative venture bets. They invest in protocols that will generate real on-chain volume. Their check signals that they expect 3F to become a meaningful venue for structured RWA leverage flows, which is a commercial mandate, not just a product one. That means business development hires who can source and integrate new tokenized RWA collateral assets from traditional finance. No public job listings. Contact via @3f_xyz on X, @sonyasunkim, or @3f_romeo.
Tailor your CV to the specific 3F role rather than sending a general one. Applications that mirror the language of the job description clear automated filters at a materially higher rate.
Don't make these mistakes
Generic 'DeFi is the future' positioning. Both founders are operating in a specific moment in DeFi's maturation: the institutional crossover. They do not need conviction about DeFi. They need engineers and operators who can execute.
Mistakes that kill 3F applications
Don't send the same CV you sent everywhere else. At people it's obvious, and it's the fastest rejection there is.
Nobody cares what you want. Start with The tokenized RWA market has crossed ~$23 - 36B+ billion in 2026, with traditional asset managers including Baillie Gifford now deploying tokenized credit products at production scale and how you'd help.
Most Tech applications get ghosted. A day-five follow-up can double your response rate.
Applying to 3F? Get the contact, not the form.
The 3F interview process
4 stages · 14 days typical · take-home: no · modelled from similar companies
We don't yet have verified candidate reports for 3F. What follows is the typical process for a -person Tech company — treat it as a model, not confirmed detail.
Interview stages
Recruiter Screen
Phone or video · 30 min
Basic qualification and logistics
Recruiter or HR
Hiring Manager Interview
Video call · 45 min
Role fit and experience deep-dive
Hiring manager
Technical/Functional Round
Video call · 60 min
Skills assessment and problem-solving
Team members
Final Round
In-person or video · 60 min
Culture fit and cross-functional alignment
Senior leadership
3F interview timeline
3F runs about days from first contact to offer. The median for Tech companies at people is 14 days, so 3F is about average than most.
Interviewed at 3F?
Tell us how it went — stages, questions, timeline. Takes 90 seconds and it's how this page stays accurate for the next person.
Submit your 3F interview experience →3F jobs, frequently asked questions
How many jobs does 3F have open?
We're tracking 3 active openings at 3F (verified April 2026).
Does 3F hire remotely?
Currently, 3F only has in-office roles in Decentralized.
What roles is 3F hiring for?
3F is hiring across Engineering, Other. The most recent opening is Smart Contract / Protocol Engineer.
How do I apply for a job at 3F?
Click through to apply, or see our detailed guide on landing a job at 3F.
Does 3F respond to cold emails?
We haven't verified response rates at 3F yet.
Who is the hiring manager at 3F?
At this size, hiring is usually run by the hiring manager.
How competitive is it to get hired at 3F?
Roles at -person Tech companies typically draw 100-250 applicants in the first two weeks. Applying inside 72 hours of a posting going live is the single biggest lever you control.
How many rounds is the 3F interview?
4 stages: Recruiter Screen, Hiring Manager Interview, Technical/Functional Round, Final Round.
Is the 3F interview hard?
The interview emphasizes relevant experience and culture fit over abstract problems. Hardest stage: Final Round.
Does 3F give a take-home task?
No, 3F does not include a take-home stage.
How long does 3F take to get back to you?
Around 14 days across the full process.
What should I prepare for the 3F interview?
Prepare for relevant experience and culture fit. A -person startup wants proof you can ship, not that you can whiteboard.
Where is 3F based?
3F is headquartered in Decentralized.
Get 3F roles before they're posted
A role stays uncontested for about four days. Here's the window — and where we put you in it.
From $9/month, cancel any time.
Watching 3F
0 applicantsRole spotted & verified
1You get the alert
1You've applied
~8Hits the job boards
250+