USDai & sUSDai 101
Questions about USDai and sUSDai, their differences, and how to mint, redeem, or swap them in the app.
USDai and sUSDai
What is USDai and sUSDai? What’s the difference?
USDai is a synthetic dollar token backed by short dated Treasury bills, cash and cash equivalents. sUSDai is the staked, yield-bearing version of USDai. Staking USDai mints sUSDai, which accrues yield represented through the exchange ratio between USDai and sUSDai.
USDai = liquid, non-yielding, eligible for rewards
sUSDai = staked, yield-bearing, withdrawable after an unstaking period, eligible for rewards
How do I get USDai or sUSDai?
USDai can be minted on the USD.AI app at https://app.usd.ai/buy.
sUSDai can be obtained by staking existing USDai at https://app.usd.ai/buy or buy direct via stables (contract will stake it for you) at https://app.usd.ai/?tab=allo&alignment=airdrop&strategy=basic.
What does it mean to redeem USDai?
Redeeming means burning USDai directly via the protocol’s smart contracts to withdraw stablecoin (e.g., PYUSD). This is the protocol-native exit path and provides near-instant conversion with no exchange rate impact.
You can redeem USDai at https://app.usd.ai/redeem
What does it mean to swap USDai?
Swapping USDai means exchanging it for another token (e.g., USDC or USDT) via a liquidity pool on a DEX. This provides near-instant conversion, but the rate depends on current market conditions and pool liquidity.
What are the token contracts?
USDai: 0x0A1a1A107E45b7Ced86833863f482BC5f4ed82EF
sUSDai: 0x0B2b2B2076d95dda7817e785989fE353fe955ef9 View
View on browser:
What happens if my wallet is hacked or compromised? Can the team stop or reverse it?
No. The protocol cannot pause, freeze, reverse, or redirect funds for individual wallets. All contracts execute strictly based on current on-chain ownership and predefined rules, and do not distinguish between an original user and a new holder. This means the team cannot intervene in cases of lost keys, compromised wallets, or unauthorized transfers.
Unstaking & Withdrawals
How do I unstake sUSDai?
Navigate to https://app.usd.ai/unstake on the USD.AI app
Your request enters the redemption queue.
Redemptions are automatically processed on fixed dates that occur every 30 days.
When the window executes, go to Pending Transactions and click Withdraw to receive your USDai + accrued yield.
Upcoming redemption dates are displayed in the app.
How long is the unstaking period?
Redemptions are processed in fixed windows every 30 days, so your actual wait time will depend on when you submit your request relative to the next window.
Why is the unstaking period variable?
USD.AI batches redemptions every 30 days.
If you unstake 1 day before the redemption window, your redemption will be available in 1 day.
If you unstake 15 days before the redemption window, your redemption will be available in 15 days.
In all cases, redemptions are subject to redemption liquidity.
Is there a withdrawal queue? Where does instant liquidity come from?
Yes, there is a defined redemption mechanism with: • A limited instant liquidity buffer (visible on-chain) • Additional redemptions handled via the protocol’s standard redemption flow
The instant liquidity is pre-funded protocol liquidity.
How does USDai redemption actually work?
Redemption is governed entirely by on-chain contracts with predefined rules. There is no discretionary approval, no manual intervention, and no ability for the team to selectively process or block redemptions. If redemption conditions are met, the transaction is processed.
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