# USD.AI

> USD.AI is a yield-bearing stablecoin protocol. USDai is a stablecoin pegged 1:1 to USD. sUSDai is the staked version that earns yield from real-world GPU compute infrastructure financing deals (NVIDIA B300, B200, GB300, RTX 6000, RTX 5090). The protocol operates across Arbitrum, Ethereum, Plasma, and Base chains with integrations in Curve, Pendle, Balancer, Euler, Fluid, Morpho, Gearbox, Gamma, Silo, Spectra, and Aerodrome.

## Public API

The USD.AI public API is available at `https://api.usd.ai`. All endpoints are GET requests, return JSON, and require no authentication.

## Core Metrics

- [Current APY](https://api.usd.ai/usdai/dashboard/current-apy): Live sUSDai yield rate (percentage). Example response: `{"result": 6.25}`
- [Total Value Locked](https://api.usd.ai/usdai/dashboard/tvl): Protocol TVL split by USDai and sUSDai, plus supply cap. Example response: `{"tvl": 453800562, "usdaiTvl": 138304928, "sUsdaiTvl": 315495635}`
- [Expected APY & Deal Book](https://api.usd.ai/usdai/dashboard/expected-apy): Projected APY with full list of GPU infrastructure deals — hardware type, location, APR, term, and yield contribution per deal
- [sUSDai Utilization](https://api.usd.ai/usdai/public/susdai-utilization): Percentage of USDai staked as sUSDai (current and projected). Example: `{"utilization": 3.2, "expectedUtilization": 45.87}`

## DeFi Integrations

- [Integration TVL & Yields](https://api.usd.ai/usdai/wallet/integrations-data): Per-chain, per-protocol TVL for all DeFi integrations with APYs and USD prices
- [ALLO Rates](https://api.usd.ai/usdai/wallet/adjusted-rates): Effective ALLO rates after active boost campaigns

## Links

- Website: https://usd.ai
- App: https://app.usd.ai
- Borrower app: https://borrow.usd.ai
- Documentation: https://docs.usd.ai
- OpenAPI Spec: https://api.usd.ai/swagger
- X/Twitter: https://x.com/USDai_Official

## Key Facts

- Blockchain networks: Arbitrum, Plasma, Base, Ethereum
- Governance token: CHIP
- Insurance: Munich Re (fully insured sUSDai)
- Loan structure: Non-recourse, asset-backed, bankruptcy-remote SPVs
- Collateral: NVIDIA GPU hardware (B300, B200, GB300, RTX 6000, RTX 5090)
- LTV: 70-80%
- Redemption cycle: 30-day global schedule

## Quick Examples

Get current APY:

curl https://api.usd.ai/usdai/dashboard/current-apy

Get TVL:

curl https://api.usd.ai/usdai/dashboard/tvl

Get deal book:

curl https://api.usd.ai/usdai/dashboard/expected-apy

## Optional

- [Blog](https://usd.ai/insights): Protocol updates and announcements
- [Governance](https://docs.usd.ai): CHIP token mechanics and voting
- [Risk Disclosures](https://docs.usd.ai): Detailed risk factors for depositors