USD.AI (USDai) stablecoin analytics
Answer First
What is USD.AI (USDai)?
USDai is USD.AI's PYUSD-backed base dollar. Its supply can fall when sUSDai deploys funds into loans, without an equivalent fall in reported protocol assets. The static profile records its US Dollar peg mechanism as: Whitelisted institutions mint and redeem canonical USDai against PYUSD through the Arbitrum hub. Satellite USDai liabilities share the same PYUSD pool.
Is USDai safe?
USDai holds a C+ Safety Score grade (64/100) in Pharos's latest published rating — a middle-tier grade that meets baseline expectations but carries meaningful weaknesses, so Pharos does not consider it clearly safe. Static metadata says USD.AI uses a CeFi-Dependent governance model and Crypto-Collateralized backing, with live reserve feed configured; the main caveat is that issuer or admin freeze controls are recorded. Treat the live peg, liquidity, reserve, dependency, and Safety Score sections below as the current risk read.
Static Profile
Static stablecoin profile
USD.AI (USDai) static profile: governance model CeFi-Dependent; backing model Crypto-Collateralized; peg US Dollar.
AI summary / Updated Sep 27, 2026
USDai is the non-yielding base token in USD.AI, backed by PYUSD held in the canonical Arbitrum contract. Its outstanding supply includes USDai held inside the separate sUSDai vault as well as tokens held elsewhere. When funds are deployed into GPU-backed lending, USDai can be burned to release PYUSD while the resulting loan exposure remains in sUSDai's portfolio. Base-token supply can therefore fall without an equivalent withdrawal of assets from the protocol.
AI summary · drafted by gpt-6-astra · facts as of Sep 27, 2026
Sources: USD.AI technical protocol overview, USD.AI protocol TVL and token breakdown, and USDai burn and PYUSD withdrawal on September 23, 2026
- Collateral
- PYUSD held by the canonical USDai contract on Arbitrum and reconciled 1:1 against canonical plus bridged USDai liabilities; GPU-loan DEAL exposure belongs to the separate sUSDai yield layer
- Peg Mechanism
- Whitelisted institutions mint and redeem canonical USDai against PYUSD through the Arbitrum hub. Satellite USDai liabilities share the same PYUSD pool. The separate sUSDai vault can burn USDai to release PYUSD for loan deployment; repayments can mint USDai again. These supply changes do not by themselves measure investor deposits or withdrawals.
- Jurisdiction
- Cayman Islands
- Proof Of Reserves
- No proof-of-reserves entry in the static profile.
Next Actions
Exact bot target: /subscribe dews,depeg,safety usdai-usd-ai
Source: checked-in StablecoinMeta profile fields. Live price, supply, reserve, liquidity, event, and safety data load in the interactive dossier below; the summary above was last updated Sep 27, 2026.
USDai quick answers
What is USD.AI (USDai)?
USDai is USD.AI's PYUSD-backed base dollar. Its supply can fall when sUSDai deploys funds into loans, without an equivalent fall in reported protocol assets. The static profile records its US Dollar peg mechanism as: Whitelisted institutions mint and redeem canonical USDai against PYUSD through the Arbitrum hub. Satellite USDai liabilities share the same PYUSD pool.
Is USDai safe?
USDai holds a C+ Safety Score grade (64/100) in Pharos's latest published rating — a middle-tier grade that meets baseline expectations but carries meaningful weaknesses, so Pharos does not consider it clearly safe. Static metadata says USD.AI uses a CeFi-Dependent governance model and Crypto-Collateralized backing, with live reserve feed configured; the main caveat is that issuer or admin freeze controls are recorded. Treat the live peg, liquidity, reserve, dependency, and Safety Score sections below as the current risk read.
What backs USDai?
Pharos classifies USDai backing as Crypto-Collateralized. Collateral, per the static profile: PYUSD held by the canonical USDai contract on Arbitrum and reconciled 1:1 against canonical plus bridged USDai liabilities; GPU-loan DEAL exposure belongs to the separate sUSDai yield layer Reserve evidence: live reserve feed configured.
Can USDai be frozen or blacklisted?
Based on tracked contract metadata and blacklist coverage, issuer or admin freeze controls are recorded. Live freeze and blacklist events for USDai, when applicable, appear in the dossier below.
