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Logo of USD AIUSD AI(CHIP)
Total Value Locked$172.42m

TVL by Chain

Arbitrum$172.42m

Key Metrics

Fees (Annualized)$22.46m
Fees 30d$1.27m

Arbitrum$1.27m

Fees 7d$11

Arbitrum$11

Fees 24h$11

Arbitrum$11

Cumulative Fees$22.77m

Arbitrum$22.77m

Revenue (Annualized)$7.04m
Revenue 30d$261,496.09

Arbitrum$261,496.09

Revenue 7d$1.09

Arbitrum$1.09

Revenue 24h$1.09

Arbitrum$1.09

Cumulative Revenue$7.07m

Arbitrum$7.07m

Holders Revenue (30d Run Rate)$0
Holders Revenue 30d$0

Arbitrum$0

Holders Revenue 7d$0

Arbitrum$0

Holders Revenue 24h$0

Arbitrum$0

Cumulative Holders Revenue$0

Arbitrum$0

Incentives 1y$0

$0

$0

$0

$0

Earnings (Annualized)$7.04m

$261,496.09

$1.09

$1.09

$7.07m

Market Cap$59.93m

$CHIP Price$0.03

All Time High$0.14

All Time Low$0.022

View $CHIP token page

$299.63m

$239.93m

$CHIP Volume 24h$16.27m

CEX Volume$13.62m

DEX Volume$3.58m(22.03% of total)

Active Loans$265.74m

Total Raised

Sep 22, 2025$4mRound: Investors: Bullish

Nov 17, 2025Round: Investors: Coinbase Ventures

Protocol Information

USD.AI is a yield-bearing synthetic dollar protocol backed by real-world infrastructure assets

Category:RWA Lending

Audits:

WebsiteTwitter

Methodology

TVL: TVL is calculated by summing the value of tokens held by the protocol and outstanding claimable yield.View code on GitHubFees: Total interest and admin fees collected from USDai's base token yield, GPU-financing yield, and escrow timelock yieldView code on GitHubRevenue: Admin fees going to protocol treasuryView code on GitHubHolders Revenue: View code on GitHub

Incentives: Tokens allocated to users through liquidity mining or incentive schemes, typically as part of governance or reward mechanisms.

Earnings: Revenue of the protocol minus the incentives distributed to users

Yields

Pools Tracked1

Average Supply APY7.73%

Competitors

Pareto Credit ($235.1m)cSigma Finance ($21.6m)Florence FinanceAave Horizon RWA ($257.82m)Figure Markets Democratized Prime ($251.84m)3F ($29.17m)Kasu ($12.03m)Credit Coop ($4.39m)Goldfinch ($1.65m)Isle Finance ($928,206.38)

Frequently Asked Questions

What is USD AI?

USD.AI is a yield-bearing synthetic dollar protocol backed by real-world infrastructure assets

What is USD AI's TVL?

USD AI currently has $172.42m in total value locked. TVL has increased 9% over the past 30 days.

What chains does USD AI operate on?

USD AI operates on Arbitrum. Arbitrum holds the largest share at 100%.

How much has USD AI generated in fees and revenue?

Over the past 30 days, USD AI generated $1.27m in fees. Of that, $261,496.09 was protocol revenue. Based on the trailing year, the annualized rate is $22.46m in fees and $7.04m in revenue.

What is the CHIP token price and valuation?

CHIP is currently trading at $0.03. Its circulating market capitalization is $59.93m, ranking it #522. Its fully diluted valuation is $299.63m. Supply currently stands at 2b circulating, 10b total supply, 10b maximum supply.

How has CHIP performed recently?

CHIP is up 41.5% over the past 7 days and up 10.8% over the past 30 days. Its all-time high is $0.14, reached on Apr 23, 2026. The token is currently 78.7% below that level.

How does USD AI's TVL compare to similar protocols?

Among RWA Lending protocols tracked by DefiLlama, USD AI ranks #4 by TVL. The category holds $988.63m across 26 protocols, and USD AI accounts for 17.4% of that total. Other leading protocols include Pareto Credit, cSigma Finance, Florence Finance, Aave Horizon RWA, Figure Markets Democratized Prime, 3F, Kasu, Credit Coop, Goldfinch, and Isle Finance.

How much has been borrowed through USD AI?

USD AI currently has $265.74m in active loans.