t3 (trustInWeb3) is an AI-backed under-collateralized lending protocol aimed at enhancing capital efficiency in decentralized finance. Traditional DeFi lending requires over-collateralization, limiting market participation. t3 addresses this by employing an AI agent as a trusted intermediary, integrating advanced risk management, modern portfolio theory, and statistical modeling. This approach enables lower collateral requirements while maintaining robust risk control, making DeFi lending more accessible and efficient.