USD.AI · CHIP
On-chain credit for AI and GPU hardware, governed by CHIP
A genuinely novel idea — on-chain credit backed by real AI and GPU hardware — but a protected unlock can add ~17% to the float, the token isn't required to use the protocol (its yield goes to the stablecoin, not CHIP), and it's a small, young player VCs don't yet rank among the RWA leaders.
CHIP keeps about 2 billion coins on the market, and that barely changes until bigger unlocks start next year. The public sale sold 700 million coins, and some buyers got a locked-in “protected” price that frees up on set dates — June 17 2026 and October 14 2026 (settled at $270M and $190M valuations). Those coins are already counted inside the 2 billion, not added on top — so when they unlock, the amount on the market doesn’t grow. That’s why this page shows almost no inflation. The supply that will really grow the float is the team-and-investor unlock starting around April 2027.
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CHIP · fixed supply, no mint and no burn — the float sits still.
CHIP is the governance token of USD.AI, a GPU-backed lending protocol — a fixed 10B supply with no mint and no burn, of which only ~2.0B (20%) circulates today.
Sell pressure. The network mints nothing, and no vesting cliff falls in the next 90 days — the big investor and contributor unlocks do not begin until 2027.
Buy pressure. There is no buyback and no burn — nothing structural removes CHIP from supply.
Net. Roughly flat over the last 90 days, and projected to stay flat next 90 days — the locked stack is the story, but its release is still ahead.
CHIP has a fixed 10B supply with no protocol emission and no mint, so the network creates no new coins — supply only moves as already-minted, locked tokens vest.
No scheduled vesting cliff falls inside this window. The protected sale tranche already matured on Jun 17 2026, and the circulating count did not rise across it — those tokens were already counted. The big investor (29.6%) and contributor (23.5%) allocations sit behind a 12-month cliff that first releases around Apr 2027, and the next protected maturity (Oct 14 2026) sits just past this window.
No public evidence of a discretionary release in the window — monitored. Roughly 8B CHIP (~80% of supply) sits locked across the ecosystem, reserve, investor and contributor buckets; the Season 2 ecosystem rewards program runs through Oct 14 2026 but has no published per-period quantum or dated firing. A tracked overhang with no dated release inside this window.
No bankruptcy estate or court-ordered distribution applies to CHIP.
The protocol runs no CHIP buyback — there is no contract or treasury buying CHIP on the open market.
No CHIP is burned. Protocol revenue is routed to the treasury and stakers, not used to destroy supply.
No discretionary open-market CHIP buying disclosed — monitored.
Staking CHIP for sCHIP (the protocol's first-loss risk backstop) does lock tokens, but no quantum has been announced, so no offset is booked — monitored.
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