Vf-safe delta-matroids have the desirable property of behaving well under certain duality operations. Several important classes of delta-matroids are known to be vf-safe, including the class of ribbon-graphic delta-matroids, which is related to the class of ribbon graphs or embedded graphs in the same way that graphic matroids correspond to graphs. In this paper, we characterize vf-safe delta-matroids and ribbon-graphic deltamatroids by finding the minimal obstructions, called excluded 3-minors, to membership in the class. We find the unique (up to twisted duality) excluded 3-minor within the class of set systems for the class of vf-safe delta-matroids. In the literature, binary delta-matroids appear in many different guises, with appropriate notions of minor operations equivalent to that of 3-minors, perhaps most notably as graphs with vertex minors. We give a direct explanation of this equivalence and show that some well-known results may be expressed in terms of 3-minors. arXiv:1807.01376v3 [math.CO]