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USD AI(CHIP)

Total Value Locked$346.1m

TVL by Chain

Arbitrum$346.1m

Key Metrics

Fees 30d$4.44m

Fees 30d by chain

Arbitrum$4.44m

Fees 7d$544,817

Arbitrum$544,817

Fees 24h$0

Arbitrum$0

Cumulative Fees$28.92m

Arbitrum$28.92m

Revenue 30d$444,276

Revenue 30d by chain

Arbitrum$444,276

Revenue 7d$54,481

Arbitrum$54,481

Revenue 24h$0

Arbitrum$0

Cumulative Revenue$7.69m

Arbitrum$7.69m

Holders Revenue 30d$0

Holders Revenue 30d by chain

Arbitrum$0

Holders Revenue 7d$0

Arbitrum$0

Holders Revenue 24h$0

Arbitrum$0

Cumulative Holders Revenue$0

Arbitrum$0

Incentives 1y$0

Earnings (Annualized)$7.52m

$444,276

$54,481

$7.69m

Market Cap$98.82m

$CHIP Price$0.049

All Time High$0.14

All Time Low$0.022

View $CHIP token page

$494.09m

$396.33m

$CHIP Volume 24h$9.98m

CEX Volume$8.96m

DEX Volume$2.05m(20.52% of total)

Active Loans$310.78m

Total Raised$4m

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

Website X/Twitter

Category:RWA

Sub Category: Private Credit

Audits:

Methodology

TVL: TVL is calculated by summing the value of tokens held by the protocol and outstanding claimable yield. Outstanding loan principals are reported separately as borrowed.Fees: Total interest and admin fees collected from USDai's base token yield, GPU-financing yield, and escrow timelock yield Revenue: Admin fees going to protocol treasury Holders Revenue:

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 APY6.92%

Competitors

Re ($400.68m)Tangible RWA ($41.5m)GAIB ($17.04m)Stobox ($13.95m)Estate Protocol ($13.95m)Theo Network thBill ($11.21m)Anzen V2 ($7.95m)Mountain Protocol ($1.4m)Boson Protocol ($230,044)Solv Vesting ($153,251)

Income Statement for USD AI

YearlyQuarterlyMonthlyCumulative

	Q4 2026*	Q3 2026	Q2 2026	Q1 2026	Q4 2025	Q3 2025	Q2 2025
Gross Protocol Revenue	$2.89M	$5M	$8.89M	$5.23M	$5.68M	$1.18M	$42.42K
Asset yields - Wrapped M	$0	$0	$0	$2.84M	$5.63M	$1.16M	$42.42K
Asset yields - GPU-financing	$2.52M	$2M	$1.28M	$151.38K	$30.23K	$27.6K	$0
GPU-financing origination fee	$0	$149.95K	$4.67M	$488.31K	$13.94K	$0	$0
Asset yields - PYUSD	$0	$2.37M	$2.94M	$1.75M	$0	$0	$0
Escrow timelock yields	$378.91K	$469.73K	$0	$0	$0	$0	$0
Cost of Revenue	$2.6M	$4.36M	$3.8M	$4.27M	$5.1M	$1.06M	$38.18K
Asset yields - Wrapped M to staked USDai	$0	$0	$0	$2.56M	$5.07M	$1.04M	$38.18K
Asset yields - GPU-financing to staked USDai	$2.26M	$1.8M	$1.15M	$135.3K	$26.08K	$23.81K	$0
Asset yields - PYUSD to staked USDai	$0	$2.14M	$2.65M	$1.57M	$0	$0	$0
Escrow timelock yields to staked USDai	$341.02K	$422.76K	$0	$0	$0	$0	$0
Gross Profit	$289.43K	$634.69K	$5.1M	$963.74K	$581.47K	$119.44K	$4.24K
Asset yields - Wrapped M to protocol	$0	$0	$0	$284.5K	$563.38K	$115.65K	$4.24K
Asset yields - GPU-financing to protocol	$251.54K	$200.48K	$127.75K	$16.08K	$4.15K	$3.79K	$0
GPU-financing origination fee to protocol	$0	$149.95K	$4.67M	$488.31K	$13.94K	$0	$0
Asset yields - PYUSD to protocol	$0	$237.29K	$294.26K	$174.85K	$0	$0	$0
Escrow timelock yields to protocol	$37.89K	$46.97K	$0	$0	$0	$0	$0
Incentives	$0	$0	$0	$0	$0	$0	$0
Earnings	$289.43K	$634.69K	$5.1M	$963.74K	$581.47K	$119.44K	$4.24K
Token Holder Net Income	$0	$0	$0	$0	$0	$0	$0

Income Flow Visualization

YearlyQuarterlyMonthlyCumulative

Frequently Asked Questions

What is USD AI's TVL?

USD AI currently has $346.1m in total value locked. TVL has increased 20.2% 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 $4.44m in fees. Of that, $444,276 was protocol revenue. Based on the trailing year, the annualized rate is $27.27m in fees and $7.52m in revenue.

What is the CHIP token price and valuation?

CHIP is currently trading at $0.049. Its circulating market capitalization is $98.3m, ranking it #411. Its fully diluted valuation is $491.52m. Supply currently stands at 2b circulating, 10b total supply, 10b maximum supply.

How has CHIP performed recently?

CHIP is up 9.8% over the past 7 days and down 12.3% over the past 30 days. Its all-time high is $0.14, reached on Apr 23, 2026. The token is currently 64.9% below that level.

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

Among RWA protocols tracked by DefiLlama, USD AI ranks #5 by TVL. The category holds $4.708b across 173 protocols, and USD AI accounts for 7.4% of that total. Other leading protocols include Re, Tangible RWA, GAIB, Stobox, Estate Protocol, Theo Network thBill, Anzen V2, Mountain Protocol, Boson Protocol, and Solv Vesting.

How much has been borrowed through USD AI?

USD AI currently has $310.78m in active loans.