USDAI / sUSDAI — Allo Point Calculator
Real-time point cost & ROI estimator across Pendle YT, Pendle LP, holding, and leverage loops
Points Growth
Protocol-wide points issued, end of each UTC day — the slope is the issuance rate
Scenario Parameters
Points holders get 2.25% × (1 − 30%) = 1.57%
How it Works
Uses USD.ai's actual Allo point issuance: the last 24h (today's total minus yesterday's snapshot) when available, otherwise the 7-day average, otherwise the season-to-date average (season total ÷ days elapsed). Projects the season-end total as current + daily × days left, then derives point value from FDV × allocation % × (1 − partner share) ÷ projected total.
⚠ TVL is growing — today's observed daily rate will likely underestimate future point accrual, making this a conservative floor estimate.
⚠ Point rules may change mid-season; this method cannot model rule changes retroactively.
Pendle YT
Buy Yield Tokens at a discount. Net cost = cost basis − yield received (underlying APY × YT rate × days/365 × 95%). Points earned = YT rate × multiplier × days. Points and yield accrue until the earlier of the YT's maturity and season end. The Feb-27 markets mature on Feb 25, 2027, before Season 3 ends on Apr 14, so they earn for their full term and nothing after. Cost per point reflects the actual dollar cost of acquiring points this way.
Pendle LP
Provide liquidity to a Pendle pool. Earn the aggregated LP APY (underlying yield + swap fees from Pendle) plus point rewards. Full principal is recovered at pool maturity — no net cost, so cost/point is shown as —.
Holding
Simply hold USDAI (2× points, no yield) or sUSDAI (1× points, earns the sUSDAI protocol APY from Pendle data). Full principal is always recoverable. Best for low-friction point accumulation without DeFi complexity.
Leverage Loops
Supply USDAI / sUSDAI as collateral on Fluid or Morpho, borrow USDC, and buy more collateral — repeat for leverage L. Points accrue on the total collateral (the collateral's points rate × L: 3× for sUSDAI, 8× for USDAI), while the carry is L × collateral yield − (L−1) × borrow APR. Live borrow rates and LTV limits come straight from Fluid & Morpho. Higher leverage boosts points but adds liquidation risk if the collateral depegs.
Disclaimer
- •This page is a point estimation tool only. We make no guarantee of the real value of CHIP tokens or what Allo points will convert to in USD after the season ends.
- •Point rules may change at any time — multipliers, eligibility criteria, and distribution mechanics are set by the USD.ai team and are not modeled here.
- •If the protocol team acts in bad faith, all points may be worth zero — as seen with projects like CAP. Do your own research and only invest what you can afford to lose.
Pendle fee 5% applied to YT yield & points · LP APY from Pendle aggregatedApy · Season 3 multipliers from USD.ai · Feb-27 Pendle markets stop earning at maturity (Feb 25, 2027) · season ends 2027-04-14