$CHIP scales the interest rate of AI
CHIP is the governance and fee-capture token of USD.AI, a protocol generating real revenue from AI companies financing GPU infrastructure.
Check $CHIP Eligibility
The only token that captures real AI infrastructure growth
USD.AI finances GPU infrastructure for AI companies, generating real lending revenue. $CHIP is the governance and fee-capture token that lets holders direct — and benefit from — every dollar the protocol earns.
Real Revenue, Not Emissions
Protocol income comes from origination fees and net interest margin on GPU-backed loans — not inflationary token rewards.
Governance That Matters
CHIP holders vote on risk parameters, curator approvals, fee splits, and treasury allocation through the USD.AI Foundation DAO.
Insurance Module Staking
Stake CHIP in the safety module to backstop protocol risk. Stakers earn a share of protocol fees proportional to their commitment.
Capital can't keep pace with compute
GPUs depreciate at roughly 20% per year, but traditional credit infrastructure moves at the wrong tempo for hardware that's obsolete in three years.
Traditional Finance
Banks take up to 24 months to recycle credit. Even nimble private credit funds take 6–12 months to underwrite. If you wait for TradFi, your GPU is already past half its lifecycle.
DeFi Today
DeFi has speed but lacks collateral expertise. Existing protocols weren't designed for depreciating physical hardware with complex valuation requirements.
The Structural Mismatch
AI is at its Fannie Mae moment — the industry needs liquid credit to scale, just as housing needed tradable mortgages to create "the mortgage rate."
The USD.AI Solution
A liquid credit instrument that works at GPU speed. On-chain, instant, transparent — turning GPU hardware into tokenized collateral with real yield.
CHIP holders decide the future of GPU-backed lending.
DAO Rights
Vote on collateral parameters, fee structures, and new asset types. All protocol changes flow through on-chain CHIP governance.
Treasury Governance
Vote on allocation of DAO treasury funds for grants, ecosystem development, and protocol initiatives supporting long-term growth.
Insurance Module
Stake CHIP in the insurance module to protect sUSDai holders against bad debt, earning additional yield for securing the protocol.
Curator Approval
Approve curators who originate loans and take first-loss positions. Quality control for the lending pipeline, governed by the community.
Protocol Upgrades
Vote on smart contract upgrades, risk framework changes, and new integrations. Progressive decentralization directed by tokenholders.
Fee Capture
CHIP captures fees on origination and net interest margin. At $1B in originations, this translates to $30M in annual protocol revenue.
Building liquidity that didn't exist.
Real revenue from real infrastructure
USD.AI captures fees on origination and net interest margin. Risk is managed through first-loss curators who take illiquid positions and often originate loans.
AI companies borrow
GPU operators tokenize hardware as collateral and access financing instantly through USD.AI's lending protocol.
Protocol earns fees
Origination fees and net interest margin flow into the protocol. Real revenue from real lending activity — not token emissions.
CHIP captures value
Protocol revenue accrues to CHIP holders through governance-directed fee distribution and insurance staking rewards.
The interest rate of AI, governed by its holders.
CHIP tokenholders shape the protocol that defines GPU-backed lending.