USD.AI provides AI infrastructure operators with strategic, non-dilutive financing facilities essential for their scale requirements. The protocol delivers non-recourse loans secured by GPU infrastructure and asset level cashflows, offering capital providers exposure to liquid, transparent and tradable credit products secured by income-producing compute assets.
- USDai is a stablecoin backed 1:1 by PYUSD. Mint with PYUSD, USDC, or USDT at app.usd.ai. Redeem anytime. No yield.
- sUSDai is yield-bearing. Current APY: 8.94% gross; 7.66% net. Expected APY as the loan book fills: ~10-12%
- $CHIP is the protocol’s utility and governance token.
Yield has two sources.
Traction
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USDAI offers one of the highest base APY among all yielding stablecoins with more than $100M TVL.
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Over $12B+ sUSDai traded. Over $15M all-time yield paid out.
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$265.2M deployed loans, including executed loans and escrowed loans. See recent $98.1M deal with Duos Edge AI.
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Other public-listed neoclouds include Sharon AI and Qumulus AI.
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USDAI has originated its largest loan to date, setting a new high-water mark for the fourth consecutive month.
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Read the USD.AI YTD report (published on June 9, 2026)
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- Get detailed insights on protocol revenue, loan book growth, yield benchmarks, DeFi usage, peg behavior, Allo Points, and CHIP governance.
- Download here: https://usd.ai/lighthouse
Mint & Redeem
USDai: Mint directly on app.usd.ai with PYUSD, USDC, or USDT. Redeem anytime.
sUSDai: Mint and redeem directly on app.usd.ai. Won’t be affected by the KYC-gated update.