USD.AI wallet

What is USD.AI (CHIP)?

CHIP is the governance token of USD.AI, a protocol that finances loans against AI compute hardware such as GPU fleets and issues a dollar-pegged token. It is easy to confuse the three tickers the protocol uses: USDai is the dollar token, sUSDai is the staked form of that dollar, and CHIP is neither of them. CHIP is not pegged to anything, does not accrue on its own and is not what you receive when you deposit dollars into the protocol. It is the voting and coordination token of the protocol, the kind of asset that usually sits in a wallet for a long time and gets moved rarely.

The practical part of holding CHIP is that it lives on more than one chain. On Ethereum, Base and Arbitrum One it is an ERC-20, so an address looks identical on all three and the transfer fee is paid in ETH on each of them. On Solana it is an SPL token: a token account is created for it the first time it arrives, and SOL pays both the fees and the small rent for that account. A CHIP balance on Base and a CHIP balance on Solana are two unrelated balances, and moving between them means a bridge, not a plain transfer.

This is where a wallet either helps or gets in the way. In the Tangem app each chain gets its own CHIP line, so the balance you see is always tied to a specific network, and when you send, the network is a line you picked rather than a setting buried somewhere. The address on the EVM side is still the same everywhere, so it is on you to confirm which chain the recipient expects; the app makes that choice visible, not automatic. Supported networks in Tangem (4): Arbitrum One, Base, Ethereum, Solana. For a token that is mostly held and occasionally voted with, a card that keeps the key offline and shows the per-network balance plainly fits how CHIP is actually used.