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description: Backed by the future
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# Welcome to USD.AI

### USD.AI is a synthetic dollar protocol designed to finance the physical infrastructure of AI (Compute) and other emerging sectors.

Targeting 15–25% APR, it functions like a high-yield bond index tied to income-generating infrastructure equipment. Like most synthetic dollar protocols, the three key aspects of USD.AI are:

> 1. **USDai** — a fully-backed synthetic dollar
> 2. **sUSDai** — the yield-bearing token (counterpart to USDai)
> 3. **Yield** — how the protocol generates yield for sUSDai

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USDai or sUSDai are not the same as a fiat stablecoin like USDC or USDT
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**USDai** is a low risk, fully-backed synthetic dollar, which allows it to be redeemed instantly at all times. USDai does not pass yield through to holders, instead providing users with deep secondary market liquidity across DeFi and CeFi.

**sUSDai** is the yield-bearing token backed by income-generating Compute or other infrastructure assets.  These assets are inherently less liquid than stablecoins, so holders accrue yield for the added risk and are also subject to redemption periods.&#x20;

**Yield** for sUSDai will be primarily generated through loans funding CapEx needs of emerging, long-tail asset operators, who are often ignored by traditional credit markets. Users can now finance these industries without required them to individually underwrite or originate loans. Any idle capital is always held in Treasury Bills as a base yield and may include other low-risk stablecoins in the future.&#x20;

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Rather than simply offering loans, USD.AI restructures the very architecture of credit through the minting of a low-risk synthetic dollar (**USDai**) and the pricing of a yield-bearing derivative instrument (**sUSDai)**
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Website: [https://usd.ai](https://usd.ai/)

Telegram: [https://t.me/usdaiofficial](https://t.me/usdaiofficial)

Twitter: [https://x.com/USDai\_Official](https://x.com/USDai_Official)
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