USD.AI is a permissionless lending protocol that finances AI infrastructure by tokenizing GPU hardware as on-chain collateral. It issues USDai (a fully PYUSD-backed synthetic dollar) and sUSDai (a yield-bearing vault token earning from GPU loans and T-Bills).
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Live signals detected by Sentinel monitors across all five risk classes.
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AI infrastructure operators face a financing gap for expensive GPU hardware while DeFi capital lacks access to high-yield real-world cash flows. Existing yield-bearing stablecoins are exposed to crypto-market funding rates rather than real economic activity.
USD.AI originates non-recourse loans secured by GPU hardware and asset-level cash flows, then tokenizes the credit exposure as sUSDai. Depositors get yield from real AI infrastructure economics; operators get non-dilutive financing.
First-mover in 'InfraFi' (compute-backed credit). Stablecoin layer (USDai) is fully isolated from credit risk and backed 1:1 by PYUSD; risk is concentrated in the staked sUSDai layer.
USD.AI is a RWA protocol operating on Arbitrum. USD.AI is a permissionless lending protocol that finances AI infrastructure by tokenizing GPU hardware as on-chain collateral. It issues USDai (a fully PYUSD-backed synthetic dollar) and sUSDai (a yield-bearing vault token earning from GPU loans and T-Bills).
USD.AI originates non-recourse loans secured by GPU hardware and asset-level cash flows, then tokenizes the credit exposure as sUSDai. Depositors get yield from real AI infrastructure economics; operators get non-dilutive financing.
DeFi Sentinel rates USD.AI A with a safety score of 79/100, indicating low-to-moderate risk. The score reflects five risk dimensions: smart contract & technical risk, economic design & market risk, governance & centralization, sustainability & competitive position, and reputation & social trust. USD.AI has 6 audits on record. DeFi Sentinel's analysis flagged 6 medium, 4 low risk alerts across Smart Contract & Technical Risk, Economic Design & Market Risk, Governance & Centralization and Sustainability & Competitive Position. As with all DeFi protocols, residual risk remains and users should review the full risk breakdown before depositing.
USD.AI has a DeFi Sentinel safety score of 79/100 (rating A), last updated May 4, 2026. The score is computed across smart contract & technical risk (30%), economic design & market risk (25%), governance & centralization (20%), sustainability & competitive position (15%), and reputation & social trust (10%).
USD.AI is deployed on Arbitrum.
Yes. USD.AI has 6 audit reports on record from firms including Quantstamp, Cantina, ktl. Audit reports and dates are linked under the Resources tab on this page.
