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Borrow

How to Borrow against infrastructure assets and manage loan repayments

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Borrowing via USD.AI is not publicly available. Reach out to the USD.AI team through the following if you would like to inquire or get more information.

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Borrowing

This page appears once you click View Borrow from the dashboard page, allowing you to complete the initial borrow transaction. To access your funds, you must approve the loan terms, execute the borrow, and withdraw the available amount to your own wallet.

  1. Review the Loan details and loan account at the top

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Loan and Payment Method

  • Collateral Name - The asset bundle securing the loan

  • Loan Account - The on-chain wallet address for this loan

  • Reserve Acct - DSRA that holds cash amount as a repayment buffer.

  • PYUSD Balances - Your current PYUSD balance held in Ethereum.

  • Withdraw - Initiates fund withdrawal after the borrow is executed

  1. Review the Collateral Details

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Collateral Details

  • Loan NFT - A visual certificate representing the server bundle used as collateral

  • Included Hardware - Specific server models in the bundle

  • Description - Summary of the portfolio

  • Collateral Value - Current appraised value of the hardware

  1. Review the Borrow Terms

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Borrow Terms

  • Principal - Total amount borrowed for Loan

  • Origination Fee - One-time fee deducted at origination

  • Net Loan Proceeds - Principal minus origination fees and DSRA funding

  • Available for Withdrawal - Amount you can immediately withdraw to your own wallet

  • Initial Reserve Deposit - Amount held in the DSRA as a payment buffer

  • Maturity Date - Final repayment deadline

  • APR = Annual interest rate

  • Default Grace Period APR - Elevated APR charged during the grace period after a missed payment

  1. Review the Payment Terms

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Payment Terms

  • Payment Amount - The amount of principal and interest to be paid each period

  • Payment Frequency - How often principal and interest payments must be made

  • Default Grace Period - Days after a missed payment before default is triggered

  • Total Loan Repayment - Total repaid over the life of the loan

  • Exit Fee - Fee owed on early closure

  1. Complete all transactions to Borrow

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Borrow

  • Approve - Approve the loan terms. This authorizes the transaction to proceed.

  • Execute Borrow - Executes the borrow transaction, finalizing and activating the loan.

  • Withdraw Funds - Transfers the available funds from the Privy wallet to your own wallet.

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