CHIP is the governance and staking token of USD.AI, a protocol built on real GPU-backed lending.

USD.AI provides asset-backed financing services for AI infrastructure companies. CHIP is the governance and utility token that allows holders to control the protocol's operations.

USD.AI provides AI infrastructure operators with strategic, non-dilutive financing facilities structured to meet institutional scale requirements. The protocol originates non-recourse loans secured by GPU infrastructure and asset-level cashflows, enabled by onchain credit instruments that give capital providers liquid, transparent exposure to income-producing compute assets.

The result is a two-sided credit market: Borrowers access the capital they need to build and scale, and Depositors access yield that reflects the actual economics of AI infrastructure rather than token subsidies or trading fees.

USD.AI is governed by CHIP, the protocol's governance token. CHIP enables voting on the parameters that determine how the protocol operates: which hardware qualifies as collateral, how interest rate tiers are structured across asset classes, how protocol fees are set and allocated, and how the collateral universe expands over time.

CHIP is the utility and governance token of USD.AI. It coordinates the standards, risk parameters, revenue fee streams, and market plumbing that enable the standardization of GPU-backed loans, which then become liquid and continuously priced.

CHIP Holders use CHIP to vote on the rules that determine how the protocol operates, what collateral is accepted, how loans are priced, and how the system evolves over time.

Staking CHIP begins by depositing tokens into the staking module smart contract. Depositors receive sCHIP in return.

Staked CHIP serves a backstop function for the protocol. In the event of a shortfall, defined by governance as scenarios such as loan losses exceeding reserves or oracle failure, staked CHIP may be used to cover the deficit.