USD.AI - A GPU-powered lending protocol and governance token designed to power an artificial intelligence infrastructure economy. It targets an annualized return of 10-15% and operates similar to a high-yield bond index tied to income-producing infrastructure equipment. Like most synthetic USD protocols, the three key features of USD.AI are: 1. USDai is a low-risk, fully backed stablecoin by PYUSD that can be redeemed instantly at any time. USDai does not pass benefits directly to holders, but provides users with deep secondary market liquidity in the DeFi and CeFi fields. 2. sUSDai is a yield-generating synthetic dollar backed by artificial intelligence infrastructure assets. These assets are typically less liquid than stablecoins, so holders earn returns by taking on additional risk, and withdrawals are subject to redemption periods. sUSDai’s earnings come from loans collateralized by artificial intelligence infrastructure assets (GPUs), as well as PYUSD incentives for undeployed funds. Depositors do not need to underwrite or originate a personal loan to receive the benefits. 3. CHIP is the governance token of the USD.AI protocol. CHIP holders vote on approved collateral types and other financing parameters, and shape the future of the protocol through improvement proposals. Major deals in the emerging AI economy focus on financing the infrastructure and huge capital expenditures required in the coming years. Currently, this financing is dominated by income-based traded financial products such as loans, bonds and convertible preferred shares. USD.AI aims to be the default solution for AI infrastructure growth by providing a simple, efficient, and productized financing experience that solves the speed, cost, and complexity challenges inherent in transactional finance alternatives.