Current APY
9.65%
7D Avg
9.66%
30D Avg
9.73%
Score
73
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USD.AI is a synthetic dollar protocol designed to finance the physical infrastructure of AI (Compute) and other emerging sectors — built on USD.AI. sUSDai is the staked version of USDai: it automatically accrues protocol yield and Allo™ points that entitle holders to greater allocation in the USD.AI ICO. Purchasing PT-sUSDai on Pendle locks in a fixed APY today — 1 PT-sUSDai is redeemable for exactly 1 USDai at maturity on October 15, 2026, giving you a longer fixed-rate window with the underlying sUSDai yield compounding throughout.
If you hold stablecoins and want to buy PT, you can mint USDC or PYUSD into USDai for free at USD.AI — no swap fees or slippage on the mint.
Your yield is fixed the moment you buy the PT. If you see unrealized losses in your wallet interface, ignore them — as long as you hold to maturity, you receive exactly 1 USDai per PT regardless of market price.
You can place a limit order on Pendle to earn up to 100% APR in Pendle rewards while the order waits. Orders placed outside the active range earn no rewards, so check that your target APY is within range.
Go to USD.AI and use the Buy tab to swap USDC or PYUSD into USDai for free. Then go to the Stake tab and stake your USDai to receive sUSDai, which accrues yield automatically.
Go to the Pendle sUSDai Oct 2026 market, select the PT tab, choose Swap mode, set your input token to sUSDai (or any stablecoin for auto-routing), and confirm. Your fixed APY is locked in immediately.
Alternatively, click the Limit tab to set a target implied APY. Limit orders placed within range earn up to 100% APR in Pendle rewards while waiting. If filled, you earn PT yield; if not filled within range, you still collected Pendle rewards.
