Logo of USD AIUSD AI(CHIP)
Total Value Locked$294.17m

TVL by Chain

Arbitrum$294.17m

Key Metrics

Fees 30d$1.72m
Fees 30d by chain

Arbitrum$1.72m

Fees 7d$3,881

Arbitrum$3,881

Fees 24h$0

Arbitrum$0

Cumulative Fees$24.48m

Arbitrum$24.48m

Revenue 30d$171,941.09
Revenue 30d by chain

Arbitrum$171,941.09

Revenue 7d$388

Arbitrum$388

Revenue 24h$0

Arbitrum$0

Cumulative Revenue$7.24m

Arbitrum$7.24m

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

$0

$0

$0

$0

Earnings (Annualized)$7.19m

$171,941.09

$388

$0

$7.24m

Market Cap$93.88m

$CHIP Price$0.047

All Time High$0.14

All Time Low$0.022

View $CHIP token page

$469.41m

$376.3m

$CHIP Volume 24h$17.11m

CEX Volume$15.75m

DEX Volume$3.07m(17.94% of total)

Active Loans$262.98m

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

WebsiteTwitter
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.View code on GitHubFees: Total interest and admin fees collected from USDai's base token yield, GPU-financing yield, and escrow timelock yieldView code on GitHubRevenue: Admin fees going to protocol treasuryView code on GitHubHolders Revenue: View code on GitHub

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 APY6.99%

Competitors

BlackRock BUIDL ($3.54b)Spiko ($2.635b)Ondo Yield Assets ($2.562b)Centrifuge Protocol ($1.505b)Re ($351.21m)OpenEden TBILL ($245.84m)DigiFT ($194.12m)Midas RWA ($154.54m)Theo Network thBill ($59.94m)Tangible RWA ($42.37m)

Frequently Asked Questions

What is USD AI's TVL?

USD AI currently has $294.17m in total value locked. TVL has increased 68.2% 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 $1.72m in fees. Of that, $171,941.09 was protocol revenue. Based on the trailing year, the annualized rate is $23.93m in fees and $7.19m in revenue.

What is the CHIP token price and valuation?

CHIP is currently trading at $0.047. Its circulating market capitalization is $93.29m, ranking it #404. Its fully diluted valuation is $466.46m. Supply currently stands at 2b circulating, 10b total supply, 10b maximum supply.

How has CHIP performed recently?

CHIP is down 16.1% over the past 7 days and up 101% over the past 30 days. Its all-time high is $0.14, reached on Apr 23, 2026. The token is currently 66.7% below that level.

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

Among RWA protocols tracked by DefiLlama, USD AI ranks #18 by TVL. The category holds $27.754b across 167 protocols, and USD AI accounts for 1.1% of that total. Other leading protocols include BlackRock BUIDL, Spiko, Ondo Yield Assets, Centrifuge Protocol, Re, OpenEden TBILL, DigiFT, Midas RWA, Theo Network thBill, and Tangible RWA.

How much has been borrowed through USD AI?

USD AI currently has $262.98m in active loans.