Qual é o preço atual de USD.AI?
O preço atual de USD.AI é 0,0507 € com uma variação de 6,19% nas últimas 24 horas.
USD.AI is a decentralized credit protocol that lends against the physical hardware behind artificial intelligence, principally GPUs and the servers that house them, and CHIP is its governance token. Capital providers deposit into a synthetic dollar called USDai and can stake it for sUSDai, a yield bearing token that accrues "interest paid by GPU infrastructure borrowers on outstanding loan facilities, and Treasury bill yield earned on capital held in reserve." On the other side, AI infrastructure operators borrow against equipment they have already deployed instead of selling hardware or issuing equity. CHIP holders vote on the parameters that govern the system, including which collateral qualifies, how interest and fees are structured, and how the treasury is directed.
Official resources:
USD.AI's documentation names Permian Labs as "the technical and operational service provider to the Foundation," the party that "built the original protocol and provides day-to-day engineering, deal origination, and operational support." The documentation does not identify individual founders. Press coverage describes Permian Labs as founded in 2021 by David Choi, Conor Moore and Ivan Sergeev, with Choi previously involved in the MetaStreet lending protocol, and reports a Series A round in August 2025 led by Framework Ventures with participation from Dragonfly, YZi Labs and others. Those company details come from journalism rather than protocol documentation, so they are best treated as reported rather than protocol-verified.
Governance was formalized with the USD.AI Foundation, described as the off-chain steward of the USD.AI DAO, "providing legal infrastructure, custodying the DAO treasury on behalf of tokenholders, and coordinating ecosystem development." CHIP itself was distributed through a whitelisted public sale hosted on CoinList that ran from February 22 to February 27, 2026, covering 700,000,000 tokens out of a stated total supply of 10,000,000,000 CHIP, alongside an airdrop to earlier protocol participants.
The deposit side is deliberately simple. Users mint USDai, described as "a fully-backed synthetic dollar collateralized by PYUSD, which is in turn collateralized by US Treasuries and cash equivalents." USDai does not itself pay yield. Staking it produces sUSDai, "the yield-bearing counterpart to USDai and the protocol's primary credit instrument for capital providers," which accrues value through a rising exchange rate rather than manual claims.
The lending side is where the design gets unusual. Loans are originated to GPU operators at "70-80% loan-to-value ratios" with "interest and principal due every 30 days over a 3-year amortization schedule." Each borrower operates through "a bankruptcy-remote Delaware SPV, legally isolating the GPU collateral from the operator's broader balance sheet," and the documentation describes an escrow arrangement with Wilmington Trust covering hardware delivery before funds release. A "UCC-1 Financing Statement" is filed against the hardware to establish the lender's priority security interest, and data center lien waivers are obtained so that, in default, the enforcement agent can "enter the facility, disconnect, and remove the servers."
Redemptions run on "a 30-day epoch cycle using a FIFO queue," and the protocol states it "does not prematurely liquidate loans to satisfy redemptions."
CHIP is a governance and risk token rather than a cash flow claim. The documentation states that CHIP "enables voting on the parameters that determine how the protocol operates," covering collateral qualification, interest rate structures, fee allocation and expansion of the collateral universe. It also states plainly that while the protocol captures fees, "CHIP does not entitle holders to protocol revenue."
The second function is loss absorption. "CHIP can also be staked for sCHIP, which serves a backstop function, in the event of a shortfall, staked CHIP may be used to cover the deficit, making stakers active participants in the protocol's risk framework." That is a real and asymmetric obligation: sCHIP holders take first loss on bad debt in exchange for governance weight and staking incentives, not a share of interest income.
Most on-chain credit is either overcollateralized by crypto assets or backed by financial paper such as Treasuries and invoices. USD.AI is built around a depreciating physical good with an active resale market. The interesting part is not the yield, it is the enforcement stack: an SPV per borrower, a UCC-1 filing on the hardware, pre-negotiated lien waivers with the hosting data center, and a named entity with the legal standing to physically repossess or assume the hosting agreement. Very few DeFi protocols attempt to make a repossession claim on machines in a building.
Compared with private credit protocols that lend to trading firms and fintechs against corporate promises, USD.AI's loans point at a specific serialized asset. Compared with tokenized Treasury products, the yield is credit yield with real default risk, not sovereign yield. Compared with liquid staking or delta-neutral synthetic dollars, sUSDai is explicitly not redeemable on demand: the documentation warns that "sUSDai is not a stablecoin. It is not instantly redeemable at par value." The closest analogues are asset-backed lending desks rather than money market funds.
Security here has two separate layers. On-chain, the protocol is a set of smart contracts deployed across multiple networks, and the documentation refers to "smart contract architecture, audit reports, and deployed contract addresses" in its technical overview without naming specific audit firms in the material published there. Off-chain, security means legal enforceability: bankruptcy-remote SPVs, perfected security interests via UCC filings, escrowed disbursement, and lien waivers that permit physical recovery. Both layers have to hold for a loan to be recoverable, and a failure in the legal layer would not be visible on-chain until a default occurred.
GPU collateral depreciates quickly, which is why the protocol uses conservative loan-to-value ratios and amortizing structures instead of bullet loans. Recovery depends on courts, contracts and counterparties in the physical world, not on an automated liquidation engine. Loans are non-recourse to the operator's parent, with "springing recourse to the operator's corporate entity in the event of fraud or other malicious behavior," so borrower fraud remains a live risk. Exits are queued rather than instant, and can span multiple 30-day epochs; the QEV auction adds a market-priced fast lane that effectively costs exiting holders more. sCHIP stakers face explicit loss absorption. The protocol also depends on PYUSD as its base collateral, which adds an external issuer dependency. As with any newly launched governance token, voting power and token unlock schedules deserve attention.
AI compute is capital intensive and the operators buying it are often too new for conventional equipment finance. USD.AI is one of the more serious attempts to route on-chain dollars into that gap while writing the off-chain legal machinery down in public. Whether or not the credit performs, the structure is a useful test of whether DeFi can underwrite depreciating physical assets rather than only financial ones.
CHIP trades on a range of centralized exchanges following its 2026 launch, and on decentralized venues across the chains where it is deployed, including Ethereum, Arbitrum, Base and Solana. Because listings change, confirm the current venue list and the correct contract address on the official website or documentation before trading, and verify the address against a block explorer.
CHIP is a standard token on each chain it is issued on, so any wallet supporting that network can hold it. On Ethereum, Arbitrum and Base that means common EVM wallets; on Solana it means Solana-compatible wallets. Hardware wallets are appropriate for long-term holdings. If you intend to stake CHIP for sCHIP, note that staked positions are exposed to the protocol's shortfall backstop and are not simply idle balances. Leaving tokens on an exchange means relying on that exchange's custody.
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Leia o guia completo de paper tradingO preço atual de USD.AI é 0,0507 € com uma variação de 6,19% nas últimas 24 horas.
O volume diário de negociação é 18 961 553 € representando uma variação de 55,11% nas últimas 24 horas.
A capitalização de mercado de USD.AI é 101 404 891 €, ocupando a posição #191 globalmente.
A avaliação totalmente diluída (FDV) de USD.AI é 507 024 454 €, calculada assumindo o fornecimento máximo de 10 000 000 000 CHIP.
Em circulação: 2 000 000 000. Total: 10 000 000 000. Máximo: 10 000 000 000.
Nas últimas 24 horas, USD.AI foi negociado entre um mínimo de 0,04430 € e um máximo de 0,05090 €.
CHIP/USDTTether USDT0,05888 USDT
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