USD.AI (USDai)

USDai is a low risk, fully-backed synthetic dollar, which allows it to be redeemed instantly at all times. USDai does not pass yield through to holders, instead providing users with deep secondary market liquidity across DeFi and CeFi.

Series A round: $13.4M

Funding Round: $4M

Whitepaper

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Interest lvl

NA

Updated: Jan 04, 2026

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User Rating

Medium

3/5 • 1 votes

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Ticker

USDai

Type

Stablecoin

Ecosystems

Base Arbitrum

What is USD.AI

USD.AI is a synthetic dollar protocol designed to finance the physical infrastructure of AI.

Targeting 10-15% APR, it functions like a high-yield bond index tied to income-generating infrastructure equipment. Like most synthetic dollar protocols, the three key aspects of USD.AI are:

• USDai — a fully-backed synthetic dollar
• sUSDai — the yield-bearing token (counterpart to USDai)
• Yield — how the protocol generates yield for sUSDai

USDai is a low risk, fully-backed stablecoin, which allows it to be redeemed instantly at all times. USDai does not pass yield through to holders, instead providing users with deep secondary market liquidity across DeFi and CeFi.

sUSDai is the yield-bearing synthetic dollar backed by AI infrastructure assets. These assets are inherently less liquid than stablecoins, so holders accrue yield for the added risk and withdrawals are also subject to redemption periods.

Yield for sUSDai is generated through loans collateralized by AI infrastructure assets (GPUs). Depositors can earn yield without needing to underwrite or originate individual loans. Any idle capital is always held in Treasury Bills as a base yield and may include other low-risk stablecoins in the future.