# USD.AI

> USD.AI is a yield-bearing stablecoin protocol. USDai is a stablecoin pegged 1:1 to USD. sUSDai is the staked version that earns yield from real-world GPU compute infrastructure financing deals (NVIDIA B300, B200, GB300, RTX 6000, RTX 5090). The protocol operates across Arbitrum, Ethereum, Plasma, and Base chains with integrations in Curve, Pendle, Balancer, Euler, Fluid, Morpho, Gearbox, Gamma, Silo, Spectra, and Aerodrome.

- App: https://app.usd.ai
- Website: https://usd.ai
- Docs: https://docs.usd.ai
- Blog: https://usd.ai/stories
- Telegram: https://t.me/usdaiofficial
- X/Twitter: https://x.com/USDai_Official
- Email: hello@usd.ai
- OpenAPI Spec: https://api.usd.ai/swagger-json

## Tokens

- **USDai**: Stablecoin pegged 1:1 to USD (ERC-20, 18 decimals). Native on Arbitrum, bridgeable to Base, Plasma, and Ethereum via LayerZero OFT.
- **sUSDai**: Staked USDai that earns yield from GPU infrastructure loan repayments. The exchange rate appreciates over time as yield accrues.
- **ALLO**: Reward token distributed to protocol participants based on their USDai/sUSDai positions and DeFi integration activity.
- **CHIP**: Protocol participation token.

## Token Addresses (Arbitrum)

- USDai: `0x0a1a1a107e45b7ced86833863f482bc5f4ed82ef`
- sUSDai: `0x0b2b2b2076d95dda7817e785989fe353fe955ef9`

## Public API

The USD.AI public API is available at `https://api.usd.ai`. All endpoints listed below are GET requests, return JSON, and require no authentication.

### Core Metrics

- [Current APY](https://api.usd.ai/usdai/dashboard/current-apy): Live sUSDai yield rate
- [TVL](https://api.usd.ai/usdai/dashboard/tvl): Protocol TVL split by USDai and sUSDai
- [Expected APY & Deal Book](https://api.usd.ai/usdai/dashboard/expected-apy): Projected APY with full list of GPU infrastructure deals
- [Utilization](https://api.usd.ai/usdai/dashboard/utilization): Historical utilization data
- [Reserve Ratio](https://api.usd.ai/usdai/dashboard/reserve-ratio): Protocol reserve ratio
- [Proof of Reserves](https://api.usd.ai/usdai/dashboard/proof-of-reserves): On-chain proof of reserve data per chain
- [Dashboard Data](https://api.usd.ai/usdai/dashboard): Aggregated dashboard metrics

### Public Data

- [USDai Supply](https://api.usd.ai/usdai/public/usdai-supply): Total USDai supply
- [sUSDai Supply](https://api.usd.ai/usdai/public/susdai-supply): Total sUSDai supply
- [sUSDai Staking APY](https://api.usd.ai/usdai/public/susai-staking-apy): Current staking APY
- [sUSDai Utilization](https://api.usd.ai/usdai/public/susdai-utilization): Percentage of USDai staked as sUSDai
- [Total ALLO](https://api.usd.ai/usdai/public/total-allo): Total ALLO tokens distributed
- [Integration Summaries](https://api.usd.ai/usdai/public/integration-summaries): Summary of all DeFi integrations
- [Protocol Alignments](https://api.usd.ai/usdai/public/protocol-alignments): Protocol alignment scores

### DeFi Integrations

- [Integration TVL & Yields](https://api.usd.ai/usdai/wallet/integrations-data): Per-chain, per-protocol TVL with APYs
- [ALLO Rates](https://api.usd.ai/usdai/wallet/rates): Base ALLO reward rates per integration
- [Adjusted ALLO Rates](https://api.usd.ai/usdai/wallet/adjusted-rates): Effective ALLO rates after boost campaigns

### External / Machine-Readable

- [Reserves Summary](https://api.usd.ai/usdai/external/v1/reserves-summary): Aggregated staking APY, reserves breakdown, and loan details (designed for external consumers)

## Quick Examples

```bash
curl https://api.usd.ai/usdai/dashboard/current-apy
# {"result": 6.25}

curl https://api.usd.ai/usdai/dashboard/tvl
# {"tvl": 453800562, "usdaiTvl": 138304928, "sUsdaiTvl": 315495635}

curl https://api.usd.ai/usdai/dashboard/expected-apy
# Returns projected APY with full GPU infrastructure deal book

curl https://api.usd.ai/usdai/external/v1/reserves-summary
# Returns staking_apy, staking_ratio, total_reserves, cash_reserves, loans_reserves, active_loans[], upcoming_loans[]
```