USD.AI Review | $CHIP Price Prediction

追加: 2026-05-12

[00:00:00]USDA was listed on Binance on April 21st, pumped to about 14 cents and right now it crashed more than 50% back to about 6 cent. Currently trading USDA or chip token was backed by some of the best in the industry right developed by Premier Labs, backed by High Framework, Dragonfly, Yeezy Labs, Bullish and Coinbase Ventures. So, one question remain. Is USDA one of the largest AI infrastructure plays in crypto right now this cycle? Or is it just another overhyped AI project that soon will perish to oblivion? Well, I spent the last week going deep on this one, the protocol, how USD AI works, the chip token, everything. And so, in this video, I'll review what USDA is, how the protocol works, chip tokconomics and utilities, and show you my chip price prediction. A quick disclaimer before we begin. All right, this is research, not financial advice. Everything that I'm sharing is my personal view based on publicly available information. So, always manage your own risk and do your own research. Thank you very much. To understand where chip is today, you need to go back to late 2025. USDA quietly launched a points campaign called the Aloe game. I mean, they're not trying to hide it. They basically said, "Yeah, join this campaign to get allocation."

[00:01:18]Uh there were no massive marketing, no huge announcements as you can see it about only 166,000 views. Most of crypto barely noticed it. But behind the scenes, the users were actually depositing capital into the protocol and you know farming points that would later become eligible for a token sale and that leads to the coin list sale on February 10, 2026. Now, Coin List are selling this token, uh, USDA, the chip token, at only around 3 cents per token with an unlocked schedule of 100% at TGE, right? Minimum purchase $100. Now, this was only available for the people who actually joined Alo game, right, program. So that was a very great deal because at the TGE date on you know April 21st this token pumped to about you know 2x of the sale price at around 6 cents and then slowly after 2 days it went up to 14 cents. All right so that was a crazy massively successful uh token sale. Everybody on X was hyped.

[00:02:22]All right they made a 4x from the token and obviously your boy was sidelineed.

[00:02:27]And I mean I didn't participate because I sort of lost faith into like adrop and then you know token sale coin list whatnot this cycle. Uh and so I just you know stood outside and you know just looked at people making a lot of money and I wondered for myself you know what exactly is this one like what is USDA and chip token and why they hyped and so I started looking more into it and you know this is what I found. The protocol have three token. All right. The chip token, USD AI token, and the SUSD AAI, which we'll get into in a little bit.

[00:02:57]The chip token though is the main focus of this video. It is the governance token and the staking token of USD.AI, a protocol built on real GPUbacked lending. Uh USDA, what they are doing is they are trying to solve a real world financing problem inside the AI industry. Right? So as you know the AI companies they desperately need GPUs right but GPUs are insanely expensive and traditional financing they moves painfully slow. Banks loan can take months sometimes over a year to approve hardware financing. Meanwhile GPU hardware constantly depreciates and market conditions can change very fast and so USDA tries to bring that financing process onchain. Right? So here's the simpler version. GPU owners, if you have, you know, GPUs, you can use your hardware as collateral and you can borrow capital money directly through the protocol USDA instead of waiting for traditional lenders like banks. Okay, so that's basically the core business. The protocol has already funded real GPUs backed loans on chain. For example, one of the more prominent borrower on USDA is Crucible Capital uh which draws about $26.8 8 million loan from USDA using their 576 Nvidia B300 GPUs as collateral in in Washington state. Right? So this is insane. Basically, you know, uh use your GPUs to get money. Okay. USDA's protocol they provide the credit infrastructure layer nonreourse assetbacked settled onchain and the loan um carries a 10% annual rate which is 10% you know that Crucible have to pay them back um over three-year term at 70% LTV and so far the protocol has some very impressive stats as of April 2026 they have about $und00 million plus in ITF loans uh their largest single loan is uh $34 million which is located in Sweden. If you scroll down right here, right right there, April 30th, $34 million in Sweden. Um new alltime highest single loan. And then they have $11 million in Texas. So in one day they secured over like $45 million in loans.

[00:05:15]So that's insane. And they earned about 10% um a year on on that loan. And they also paid out about $10 million in cumulative yield to the stakers. And if you want to stake, become a staker, then you need to look at the yes SUSD AI token which has an APY averages at around 7.4%. And that's where um I'm going to be talking about the USD AI and SUSD AI token. The USD AI token where you can buy it pretty easily. Just click on their website at app.usd.ai, right? Click on buy this token. Use USDC on arbitrage or you know on Ethereum. Um if you have want to buy like a thousand do dollars in this token then you get like a thousand um USDI tokens. So probably like a synthetic stable coin you can st that USDAI into their protocol. So if you st like a thousand tokens you get like 920 22 tokens of SUSDI. Now it doesn't matter. Yeah it seems like a loss but it's not. It's it's still valued at you know $1,000. If you want to withdraw it then you know it takes as low as one day but if there are a lot of you know traffic then it can take like 15 days or even more than that because this is the average right unstaking period so it can get like to 20 days or even a month.

[00:06:32]Now, if you're looking to make more in terms of APY, then you can click on loans and you can loan your money out to these, you know, GPUs like B200, B300, and you get like a 12%, 10%, even 15% in terms of APY, but be careful with that one because I haven't tested it out yet, so I don't know what's going to happen if you do this, okay? So, be careful.

[00:06:54]Um, you can also read through their docs for more information. So, just be careful, do your own research, and you just test with a minimum amount of money first. If everything works out then yeah maybe put in more money. Okay so now that you know what USDA is, how many tokens there are and you know basically the utilities of each token. Um let's look at why I am bullish and also bearish about USDA. First the reason why I am bullish about USD. Um AI there are several. First is the product itself, right? It exists and it is generating real revenue which is rare to see in crypto where everything is a memecoin either a memecoin or a scam slowly ruck project okay that doesn't have any revenue at all USDI it has revenue right now it is providing yield or APY to the people legit product backed by great people so yeah that's a very good sign first um the second argument uh from myself is the timing of the demands because the GPU demands is still accelerating at a crazy rate. Okay, right now your GPU price your computers even they are increasing by a lot right last year around $500 billion in GPU demand. All right, this was said by CEO Jensen Huang from Nvidia, right? And he believes that it could reach $1 trillion by 2027. Just think about that, right? A lot of these AI companies stocks, they're going up alltime high, alltime high, alltime high, right? Right. So the AI bubble is getting bigger and bigger and bigger, right? We don't know when it will pop, but right now it's getting bigger. So the demand is right there.

[00:08:32]Okay. And companies, AI companies, uh, specifically, they desperately need capital, right, to grow their business, to sustain their business, to secure more GPUs, but they cannot get it traditionally. So USDA fills that in.

[00:08:45]And I think that's a pretty nice, you know, sort of product for the market and probably the only one in the market right now in crypto, right, that has a token. So that's very good. And the final part, um, why I'm bullish about, you know, um, USDA is the team. They are very thoughtful. If you don't know then if you look at their coin sale on coin list then they basically have something called a you know protection mechanism where if you participate in in the ICO on coin list um you have protected chip token. All right. Uh, which unlocks at, you know, maturity dates on June 17th and October 14, which settlement at 270 to $190 million in FTV, right? And the price difference will be refunded in USDC. Okay, that tells you that the team was thinking about holder alignment from day one, not just extracting value at TGE as you can see from, you know, multiple other projects where they just TGE and they screw over their, you know, pre-sale, public sale, ICO participants at a loss, right? You can actually have an protected chip token, right? So overall those are very three strong set of fundamentals that I understand completely why people would be bullish about USDA myself included. With that said I still have some some cons that I like to talk about some drawbacks from chips some things that I you know have questions about. All right the first one um is also what I mentioned earlier in this video which is the tip token. it doesn't have any well you know other utilities besides governance well yet u I don't think right um right now it's only for governance um so when I look at that I mean you know they have you know tens of millions of dollars in you know annual revenue but none of that goes to the chip holders which is your main token so basically you're buying into a governance token which I'm sure 90% of the viewers here or the holders of chip token they don't really care about So you have to wait until chip or USDA they come up with a proposal that basically allocate a part of a revenue to buy chip token. Uh if they don't have that then basically it doesn't have any real revenue right besides governance and speculating for um it to go up. So that's that's the first thing that's bad. Um the second problem I think is the valuation gap. Right now, Chip token is trading at around six cent uh $600 million in FTV, but I mean the stats are looking good, but it's not looking that good. You know what I mean? Um they have like $100 million in active loan, which is good, but it cannot justify $600 million in FTV. Um they have paid out about $10 million in yields. Again, good but not enough, right? They need this number active loan to be like two $300 million to justify the current you know FTV um from a trai fundamental standpoint right but again in crypto you it doesn't move on fundamental the price right um and the third problem that I have is the unlock schedule of chip um they have about one year vesting for the backers um so that's I mean that's standard that's nothing too crazy they're concerned about but you know we have until 272 27 um for this token to basically perform whatever it is that it wants to perform. Um and you know there are going to be constant unlocks from the ecosystem as well and that's going to put you know sell pressure on the token on a chart. Okay. And the final problem is the GPU collateral as well.

[00:12:26]the fundamental problem of this project where I see GPU as a depreciating asset where they lose 20% of their value every year and you know its prices have also been under pressure as supply has expanded companies are you know making more GPUs right now so they were getting cheaper and cheaper so if a borrower in a case of default in a down market let's say the underlying hardware GPU will liquidate for less than expected and so USD the AI will have a real credit event on their hands. But this protocol has never been through such a serious credit cycle yet. So we simply do not know how it performs under pressure. You know that is a lot of risk to be holding a 6 cents. Okay. Now, if you still want to buy Chip token, right, to be exposed to this business, new business, you can obviously buy it through Binance link in the description right now trading at about 6.1. Okay, and that leads me to my personal price prediction for this chip token. Now, obviously, not financial advice. Okay. Um, what I'm looking at right now is that it has a sort of a support at around five cents to around 5.5 cents. The bare case that I have for chip is that market right now is a bull trap. Bitcoin at 80k, it's not sustainable. It will drop below $70,000, even hitting $60,000 in a couple months.

[00:13:57]A boot trap. And so when that happens, market sentiment flips. Um I think that chip token will dump to even below 5 cent and heading towards around 3 cent to 3.5 cents. Um my base case which I think is more likely to happen is that it's going to move sideways around 5.5 to 6 cent right bitcoin continues to move sideways around 75 to $80,000 or more than that a little bit. um the overall market sentiment is still strong, right? Or at least fairly bullish. Then, you know, 5.5 cent becomes a strong support. It will go sideways around here a little bit and then pumps up to 1 to even 12 cents, right? 10 to 12 cents, which is the previous all-time high, right? That's going to happen um in the expan of weeks or even months from now. Now, my bull case is it's going to move sideways here like just in a couple of days. It's going to pump up to like 18 cents in a couple of days, right? Maybe in just two weeks from now. That's how bullish I I think I am if the bull case actually happens. No news, no nothings, just, you know, straight up pumps up here, right?

[00:15:07]Um, but I don't think that's going to happen. I'm more leaning towards the base case. And that's going to be my full video on chip and USDA. Um, now I want to know your thoughts on this token. What do you think about chip? If you think it's gonna pump, let me know in comments. If you think it's going to dump, let me know in the comments also.

[00:15:23]Okay? And um make sure to do your own research and be responsible with your own investment. Like and subscribe to Crypto Ninjas for more contents like this. And I'll see you in the next video.