USD AI

Description sourced from DeFiLlama's protocol metadata; teams submit their own copy when listing.

DeFiLlama publishes the exact rules used to aggregate on-chain balances into the headline TVL figure shown on this page. The methodology below is the team's own source-of-truth description.

TVL is calculated by summing the value of tokens held by the protocol and outstanding claimable yield.

If a contract or vault isn't in this list, its balance does not contribute to the TVL displayed on Mantapex or DeFiLlama.

Eventos importantes señalados por la comunidad de DeFiLlama — lanzamientos del protocolo, exploits, cambios de gobernanza y programas de incentivos.

1. May 19, 2025
   Listado en DeFiLlama
2. Sep 26, 2025
   Deposit Caps raised to $500M
3. Sep 12, 2025
   Deposit Caps raised to $250M

USD AI is a RWA Lending protocol that lets users supply assets as collateral, borrow against them, and earn interest from borrowers paying variable or stable rates. It is deployed on Arbitrum. The codebase has been independently audited (1 report on file). DeFiLlama tracks 2 historical events for this protocol since 2025.

USD AI is a single-chain protocol, deployed exclusively on Arbitrum — this concentrates execution risk but simplifies the trust model. Roughly 100% of its on-chain value sits on just three networks (Arbitrum, Arbitrum-borrowed, borrowed), so a fault on any one of them would affect a large slice of users. Only one audit report is currently listed; users should weigh that against the protocol's TVL before depositing significant amounts.

Verified external resources for USD AI — use these to read the source code, follow governance discussions, or cross-check on-chain data against the original team's channels.

USD AI is one of 7 RWA Lending protocols Mantapex tracks in this category. Direct peers ranked by total value locked include Aave Horizon RWA, Pareto Credit, Figure Markets Democratized Prime, and 3 more. These peer protocols collectively secure 502,1 M US$ in deposits, giving you a frame of reference for whether USD AI's own TVL is at the top, middle, or tail of the category.

Aave Horizon RWA

TVL 274,5 M US$ · 24h +0.30%

Pareto Credit

TVL 179,6 M US$ · 24h -0.01%

Figure Markets Democratized Prime

TVL 20,9 M US$ · 24h -0.01%

cSigma Finance

TVL 12,7 M US$ · 24h -0.00%

Kasu

TVL 7,2 M US$ · 24h +6.00%

Credit Coop

TVL 7,1 M US$ · 24h +0.03%