The long-term vision of USD.AI is to become a fully decentralized credit aggregator supported by various collateral types, governed by token governance.

What Does USD.AI (CHIP) Offer?

USD.AI goes beyond the classic stablecoin approach and is a synthetic dollar model targeting the financing of artificial intelligence infrastructure. While USDai provides a liquid and low-risk dollar derivative, sUSDai delivers yield through a hardware-collateralized credit structure.

Thanks to the CALIBER, FiLo, and QEV architecture; tokenization, risk curation, and liquidity management are structured on-chain.

Considering the increasing capital needs of artificial intelligence infrastructure, the space USD.AI is positioned in can be evaluated not only as a DeFi product but also as a next-generation physical infrastructure financing model.

What are USDai and sUSDai?

There are two main tokens in the USD.AI ecosystem:

USDai USDai is a fully collateralized synthetic dollar. It is primarily backed by U.S. Treasury bills (T-Bills). It has a low-risk profile and is designed to be always redeemable. USDai holders do not earn direct yield; instead, they benefit from high liquidity advantages. It aims to provide deep secondary market liquidity on DeFi and CeFi platforms.

USDai is not structured like fiat-backed stablecoins such as USDC or USDT; it is based on a synthetic dollar model.

sUSDai sUSDai is the staked and yield-bearing version of USDai. This token is backed by U.S. Treasury bills as well as tokenized artificial intelligence infrastructure loans (GPU-collateralized loans). sUSDai holders earn yield in exchange for additional risk. However, since these assets have lower liquidity compared to stablecoins, redemption processes are subject to certain waiting periods.

The protocol is positioned with an annual target APR of 10–15%. The yield is generated from hardware-collateralized loans provided to artificial intelligence infrastructure. Idle capital is invested in U.S. Treasury bills to prevent cash drag.

How Does USD.AI (CHIP) Work?

The protocol is shaped around three main participants:

• Depositors: Deposit USDC/USDT to mint USDai and stake it into sUSDai to earn yield.
• Borrowers: Typically infrastructure operators that are not hyperscalers. They require financing for GPUs and similar hardware.
• Curators: Provide the first-loss capital, earn from risk premiums, and legally separate the capital from the operator during the tokenization process.

USD.AI is not a traditional credit protocol. It does not lend to businesses or individuals; it directly provides liquidity to the asset itself. This model offers a structure that prioritizes the collateral rather than the user.

Asset tokenization is carried out through the CALIBER framework. Hardware collateral is legally structured and transformed into an investable form. This approach is based on an abstraction logic similar to how mortgage-backed securities scaled real estate financing.

USD.AI (CHIP) Three Core Building Blocks: CALIBER, FiLo, and QEV

The USD.AI architecture is built on three fundamental components:

CALIBER

Tokenization and Yield Infrastructure A framework capable of bringing hard-to-tokenize assets on-chain. It enables oracle-less credit structures for low-liquidity assets.

FiLo

Risk Curation and Scaling Enables the evaluation and public funding of future asset financing demand.

QEV (Queue Extractable Value)

Liquidity and Redemption Mechanism Provides fair and transparent liquidity distribution during redemption processes. Prioritization is done through an epoch-based auction system. Staking users can participate in QEV auctions to gain priority access to liquidity. Passive participants can also earn a share from auction fees.

This structure aims to optimize liquidity through market mechanisms, differentiating it from classic RWA projects.

InfraFi and AI Infrastructure Financing

USD.AI focuses on a new category called “InfraFi”: the financing of artificial intelligence infrastructure. While global-scale AI projects require hundreds of billions of dollars in capital, this financing is predominantly provided through traditional debt instruments.

USD.AI aims to fill this gap by directing crypto-native liquidity toward hardware-collateralized infrastructure financing. The model draws inspiration from examples such as Tether’s massive positions in U.S. Treasury bills thanks to its stablecoin dominance and Bitcoin mining’s creation of a hardware-collateralized debt market.

In this context, USD.AI positions itself as a synthetic dollar protocol that aims to provide a financial layer for the artificial intelligence super cycle.

Stackable DeFi Primitives and Development Process

USD.AI can be described as an evolved version of the MetaStreet architecture. It is built on oracle-less credit mechanisms, tranche structures, and tokenized credit products.

In its development stages, the following components have been introduced:

• Oracle-less credit infrastructure
• Yield-bearing credit tokens (LCT)
• Modular asset valuation systems
• Yield stripping mechanisms
• Multi-collateral supported synthetic dollar model

USD.AI (CHIP) Investors

USD.AI has raised a total of $17.40 million to date. The protocol has received support from both crypto-native funds and institutional investors.

Tier 1

• YZi Labs (formerly Binance Labs) – Incubator
• Dragonfly – Venture

Tier 2

• Framework Ventures – Venture
• CMT Digital – Venture

Tier 3

• Big Brain Holdings – Venture
• Arbitrum Foundation – Corporation

Tier 4

• Bullish – Exchange
• Hermeneutic Investments – Venture
• Flowdesk – Corporation

USD.AI (CHIP) Founding Team

USD.AI has been developed by an experienced founding team:

• David Choi – Co-Founder
• Conor Moore – Co-Founder
• Ivan Sergeev – Co-Founder

Official Links

• Website
• X (Twitter)
• Whitepaper

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Gold Hits a New All-Time High

Over the past 24 hours, gold prices climbed by 4.4%, breaking above the $5,500 level for the first time. This move marked a new all-time high and reinforced gold’s status as the preferred refuge in the current macro environment.

The scale of the rally is striking. Gold’s total market capitalization expanded by roughly $1.65 trillion in a single day, reaching approximately $38.77 trillion. That one-day increase alone is almost equivalent to Bitcoin’s entire market cap, which stands near $1.75 trillion. While gold surged, Bitcoin prices moved lower, remaining under notable selling pressure.

Why Gold and Precious Metals Are Winning the Safe-Haven Trade

The sustained rally in gold and silver reflects a broader “debasement trade” narrative. Rising geopolitical tensions, concerns over fiscal discipline, and expectations of continued monetary easing have driven investors toward assets perceived as long-term stores of value.

Bitcoin has often been framed as a digital alternative to gold during such periods. However, in this cycle, it has failed to attract the same level of defensive capital. A key reason lies in the crypto market shock earlier in October, when a sharp sell-off triggered more than $19 billion in liquidations. That event significantly weakened Bitcoin’s momentum and investor confidence.

Long-Term Performance Shows a Narrow Gap

A broader, five-year comparison highlights how unusual the current divergence is. Over that period, gold has risen by approximately 173%, while Bitcoin has gained around 164%. Historically, Bitcoin has outperformed most traditional assets over longer horizons, making this reversal particularly notable.

Silver has also delivered exceptional performance. Over the past week alone, silver prices jumped 21.5%, pushing its market capitalization to $6.6 trillion. This valuation now exceeds that of Nvidia, the world’s largest publicly traded company, underscoring the strength of the precious metals complex.

Institutions Still See Value in Bitcoin

Despite recent underperformance, institutional sentiment toward Bitcoin remains constructive. A recent survey showed that 71% of institutional investors believe Bitcoin is undervalued in the $85,000–$95,000 range. Additionally, roughly 80% indicated they would hold or increase their exposure if the crypto market were to fall another 10%, signaling long-term conviction.

Sentiment Indicators Tell Two Different Stories

Market psychology further illustrates the divergence. Crypto sentiment gauges currently sit firmly in “fear” territory, while gold-focused sentiment indexes point to “extreme greed.” This contrast helps explain why capital continues to flow into precious metals in the short term, even as some investors quietly position for a potential rebound in Bitcoin.

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Gold Pulls Back After Historic Highs

Spot gold prices slipped by around 0.4% during the final trading session of the week, falling to approximately $4,595 per ounce. Despite this decline, gold remains on track to close the week with nearly a 2% gain, supported by its surge to an all-time high of $4,642 earlier in the week. On the futures side, February US gold contracts edged 0.5% lower, trading near the $4,601 level.

The recent pullback is widely viewed as a technical correction rather than a reversal of the broader trend, following an extended period of strong upward momentum.

Shifting Expectations Around Fed Policy

One of the key drivers behind gold’s short-term weakness has been the growing belief that the Federal Reserve is under no immediate pressure to begin cutting interest rates. Strong US economic indicators suggest that current monetary conditions may remain in place longer than previously anticipated. This outlook tends to weigh on non-yielding assets like gold, as higher interest rates increase the opportunity cost of holding precious metals.

US Labor Data Boosts the Dollar

Data from the US Department of Labor showed weekly initial jobless claims falling to 198,000, significantly below market expectations. This stronger-than-expected labor market performance reinforced confidence in the US economy and supported the dollar, which is now heading toward its third consecutive weekly gain.

A firmer dollar typically makes dollar-denominated commodities more expensive for international buyers, contributing to downward pressure on gold, silver, and other precious metals.

Reduced Geopolitical Tensions Limit Safe-Haven Demand

Another factor dampening demand for safe-haven assets has been a relative easing of geopolitical risks. Developments in the Middle East, combined with more measured rhetoric from US leadership, have helped calm investor concerns. As a result, capital flows have shifted modestly toward riskier assets, reducing immediate demand for gold.

ETF Flows and Performance of Other Metals

Despite short-term price weakness, investor interest in gold-backed exchange-traded funds remains robust. Holdings at SPDR Gold Trust climbed above 1,074 tons, marking the highest level seen in several years and signaling continued long-term confidence in gold.

Silver prices also retreated after reaching historic highs, though the metal is still poised to record a double-digit gain on a weekly basis. Meanwhile, platinum and palladium have come under heavier selling pressure, underperforming both gold and silver in the current environment.

Overall, strong US data and easing geopolitical concerns have tilted the balance in favor of the dollar, while precious metals undergo a temporary consolidation phase following an exceptional rally.

*This content does not constitute investment advice.

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Limited Movement in Gold Prices

Spot gold is trading around $4,228.46 per ounce, holding steady despite a weekly decline of roughly 0.5 percent. U.S. December gold futures also slipped slightly, dropping 0.1 percent to $4,237.70.

The recent climb in 10-year U.S. Treasury yields—hovering near the highest levels seen in the past two weeks—continues to weigh on gold. On the other hand, the dollar index remains close to its lowest point in five weeks, improving gold’s appeal for international buyers and easing some of the selling pressure.

Labor Market Data Shapes Fed Expectations

Fresh labor market indicators from the United States have played a significant role in shaping expectations for the Fed’s next move. Initial jobless claims fell sharply to 191,000 last week, marking the lowest level in more than three years and surprising markets that were braced for a reading around 220,000.

Meanwhile, the ADP private payrolls report revealed a drop of 32,000 jobs in November, the steepest decline in roughly two and a half years. Together, these figures suggest that the labor market may be cooling more quickly than anticipated.

A Reuters poll of over 100 economists indicates that most market participants expect the Fed to cut interest rates by 25 basis points during its December 9–10 policy meeting. Such a shift typically supports gold, as lower rates reduce the opportunity cost of holding non-yielding assets.

Markets Look to PCE Inflation Data

The key focus for investors today is the Personal Consumption Expenditures (PCE) Index, the Fed’s preferred measure of inflation. The upcoming September reading is expected to influence not only the central bank’s next policy decision but also the near-term trajectory of gold prices.

As new economic data is released and the Fed meeting approaches, market participants anticipate more decisive moves in gold, ending the recent period of subdued trading.

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U.S. Employment Report Surprises to the Upside

The latest U.S. labor market report—delayed due to a federal government shutdown—showed that nonfarm payrolls rose by 119,000 in September. This figure more than doubled the market expectation of 50,000, signaling continued strength in the U.S. economy. Such robust data diminishes the urgency for the Federal Reserve to pivot toward looser policy and typically weighs on gold, which tends to benefit from lower interest rate environments.

Spot Gold Approaches a Weekly Decline

Spot gold fell 1.12% on Friday, slipping to $4,031.58 per ounce. With this move, the metal is on track for a weekly loss, struggling to find upward traction amid wavering global risk sentiment. The recent price action underscores the difficulty gold faces in sustaining momentum while rate expectations remain uncertain.

A Stronger Dollar Deepens Downward Pressure

The U.S. dollar index (DXY) strengthened toward its highest weekly close in a month, amplifying headwinds for gold. A firmer dollar increases the cost of the metal for buyers using other currencies, softening investment demand. Current market pricing suggests only a 39% probability of a rate cut in December. Because gold offers no yield, it typically performs better when borrowing costs are expected to decline—making the fading rate-cut outlook a direct drag on prices.

Fed Officials Signal Caution

Chicago Fed President Austan Goolsbee reiterated concerns over premature expectations for policy easing, emphasizing on Thursday that officials remain unsettled by early pricing of rate cuts. He highlighted that progress toward the 2% inflation target has stalled and may even be reversing, reinforcing the argument for a cautious approach.

Physical Demand Weakens Across Asia

Uncertainty surrounding the Fed’s policy path has also weighed on physical gold demand in Asia. Major markets in the region reported notably subdued buying interest this week, adding another layer of downward pressure on global prices.

Rate-Cut Expectations Continue to Fade

Futures markets indicate a noticeable shift in expectations for the December meeting:

• 35.1% probability of a 25 basis-point cut (350–375 bp)

• 64.9% probability of rates remaining unchanged (375–400 bp)

This distribution shows that markets increasingly believe the Fed will maintain its current stance. As rate-cut odds diminish, the near-term outlook for gold becomes more challenging, with persistent uncertainty likely to limit any meaningful recovery in prices.

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Gold Prices Hover in a Tight Range

Spot gold traded at $4,002 an ounce on the first trading day of the week. Prices have fallen nearly 10% since the record high of $4,381.21 hit on Oct. 20, as the dollar index climbed to a three-month high, adding pressure on gold.

Analysts: Dollar Strength Keeps Gold Under Pressure

According to Kelvin Wong, Senior Market Analyst at OANDA, gold’s lack of upward momentum aligns with current technical indicators. “Gold is showing signs of exhaustion on the upside, while the dollar remains remarkably resilient — this combination is limiting gold’s potential recovery,” Wong stated.

On October 29, the Federal Reserve implemented its second 25-basis-point rate cut of the year. However, Powell’s latest comments prompted traders to scale back expectations for another rate cut in the near term. Data from the CME FedWatch Tool shows that the probability of a rate cut in December has fallen from 90% to 71%, signaling growing caution among investors.

Focus Shifts to Key Economic Data

Gold traditionally benefits during periods of low interest rates and heightened uncertainty. Yet, the current market sentiment indicates a renewed appetite for risk. This week, investors are closely monitoring the ADP private employment report and ISM Manufacturing PMI data for further clues on the Fed’s policy trajectory.

Meanwhile, geopolitical developments are also influencing sentiment. U.S. President Donald Trump recently announced a trade deal with Chinese President Xi Jinping, covering issues such as the illegal fentanyl trade, U.S. soybean imports, and rare earth exports. This agreement has reduced geopolitical uncertainty and encouraged a shift back toward riskier assets, weakening safe-haven demand for gold.

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Is the US Dollar Facing Its End?

In a recent X post, Kiyosaki sharply criticized the US dollar, expressing confidence in alternatives like cryptocurrencies, gold, and silver. “Is the US dollar doomed? I’m increasing my gold, silver, Bitcoin, and Ethereum holdings,” he stated, advocating for being a “winner” rather than a “saver” of dollars. For him, investing in real assets is essential over holding cash.

END of US Dollar?

Adding to my gold, silver, Bitcoin, and Ethereum stack.

Savers of US dollars are losers.

Be a winner.

Take care.

— Robert Kiyosaki (@theRealKiyosaki) October 8, 2025

Critiques of the Federal Reserve

Kiyosaki has long condemned the Federal Reserve’s practice of printing money to address economic crises, arguing it exacerbates issues rather than resolving them. He views the US’s debt-driven economy as built on “fake dollars,” making it increasingly unstable. Instead of saving cash, he recommends gold, silver, and Bitcoin as secure, enduring assets during economic turbulence.

Market Predictions and Alerts

In June, Kiyosaki predicted a massive financial crash that could devastate millions of investors. He suggested that as markets decline, capital would flow into gold, silver, and Bitcoin. He also interpreted Warren Buffett’s recent praise for gold and silver as a signal of potential stock and bond market crashes, possibly even a depression. For 2025, he forecasts gold at $5,000, silver at $500, and Bitcoin between $500,000 and $1 million. In May, he predicted gold could hit $25,000.

Current Market Trends

Bitcoin recently peaked above $126,000 but is now hovering around $122,900. Ethereum, at $4,580, dropped over 3% in the last 24 hours. While Bitcoin’s rally slows, gold continues its ascent. On Monday, tokenized gold assets surpassed a $3 billion market cap, with physical gold briefly exceeding $4,000 per ounce for the first time, fueled by strong inflows into gold ETFs. Gold stocks are also experiencing a historic rally.

Market Highs Conceal a Weakening Dollar

According to The Kobeissi Letter, asset record highs stem from a weakening dollar, down about 10% year-to-date, marking its worst performance in over 40 years. Persistent inflation and anticipated rate cuts further erode trust in fiat currencies.

USD’s Attempt to Regain Strength

Conversely, the USD Index has reached its strongest level since early August. President Trump recently claimed the US is seeing “virtually no inflation” as markets hit records. However, some experts disagree. Several Fed officials remain cautious about inflation, and markets are pricing in additional rate cuts this year.

Kiyosaki’s warnings push investors toward alternatives, highlighting the fragile balance of markets. Shifting to tangible assets could be a prudent strategy in uncertain times.

This content is not investment advice.

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China Enters the Stablecoin Race

The move highlights Beijing’s ambition to strengthen the yuan’s role in international finance. Yet, experts warn the path is far from easy. The digital yuan has so far failed to gain traction, largely due to the dominance of Alipay and WeChat Pay in everyday transactions.

Martin Chorzempa from the Peterson Institute believes the most significant use case for a yuan-backed stablecoin could be cross-border payments. “If yuan stablecoins circulate, could this allow people to transfer money in ways they couldn’t through traditional banks?” he asks.

But the main challenge lies in trust. As Chorzempa notes, China is known for its anti-crypto stance. If this new stablecoin comes with the same restrictions and surveillance as the current yuan, it may struggle to compete with the US dollar, which remains far more freely usable.

Dollar Dominance Remains Hard to Break

The market challenges are just as steep. Patrick Tan, CEO of ChainArgos, points out that 98% of all stablecoin transactions are dollar-based. Despite China’s close ties to major crypto exchanges like Binance, OKEx, and Bybit, these platforms overwhelmingly rely on dollar-backed stablecoins.

According to Tan, the issue is structural: “If China wants to make the digital yuan attractive, it must first make the yuan itself attractive. That requires deep political and economic reforms, which under current conditions are extremely difficult.”

A New Front in the Global Contest

Whether China’s stablecoin initiative succeeds or fails, one thing is clear: stablecoins are no longer just part of crypto infrastructure. They have become tools in a larger geopolitical competition over the future of money.

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The ongoing trend of de-dollarization, particularly among major economies such as China, India, and Russia, has accelerated the move toward tangible and decentralized stores of value. While central banks have long favored gold, they are now also beginning to consider Bitcoin as a modern strategic reserve asset.

Record Inflows into Bitcoin ETFs

One of the most striking signs of this change is the unprecedented surge in demand for Bitcoin ETFs. BlackRock’s own iShares Bitcoin Trust (IBIT) has accumulated $76 billion in assets under management in just 350 days—outpacing the growth trajectory of many of the firm’s traditional fund offerings.

Fueled by this institutional interest, Bitcoin prices soared to an intraday high of $123,091.61 in mid-2025. BlackRock CEO Larry Fink has openly supported Bitcoin’s inclusion in diversified portfolios, comparing its role to that of gold during the post-Bretton Woods realignment of global currencies.

Surge in Central Bank Gold Holdings

At the same time, central banks are bolstering their gold reserves. In 2024 alone, global central banks added 400 metric tons of gold—a reflection of growing geopolitical and economic uncertainty and the search for more secure asset classes.

BlackRock is helping to drive this transition not only through its ETF offerings but also through cutting-edge tokenization technology. By digitizing real-world assets on public blockchains, the firm is enhancing liquidity and accessibility for institutional and sovereign investors alike.

A notable example is BlackRock’s BUIDL fund, which has reached $2.6 billion in assets under management. This fund focuses on blockchain innovation and plays a key role in integrating decentralized infrastructure into the traditional financial ecosystem.

A New Financial Architecture: Smart Contracts and Tokenized Assets

BlackRock’s vision for the future goes beyond gold and Bitcoin. The firm is investing heavily in building a programmable financial environment where smart contracts govern the creation and management of tokenized assets. This architecture is designed to reduce fragmentation, lower transaction costs, and increase investor protection.

Despite the promise, challenges persist. Regulatory uncertainties around crypto assets continue to create caution among some central banks. Meanwhile, the rise of central bank digital currencies (CBDCs) could significantly alter how reserves are structured and managed in the years ahead.

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Expectations Met, Markets React

With recent inflation data, labor market trends, and global economic conditions, speculation had been swirling about what FED would decide in this meeting. However, markets had largely priced in this outcome. The previous interest rate was 4.50%, the expectation was 4.50%, and the announced rate remained at 4.50%.

You Might Be Interested In: Elon Musk Talks About the Name of a New Memecoin!

Following the decision, Bitcoin BTC, Ethereum ETH, gold, and the U.S. dollar experienced immediate fluctuations. Investors are now focused on the upcoming statement from the FED Chairman, which could provide further clues about future monetary policy moves. Will interest rates remain unchanged in the coming months, or is a shift on the horizon?

FED’s Message: Cautious and Calculated Steps

For some time, FED has been navigating the delicate balance between curbing high inflation and maintaining economic stability. Keeping interest rates unchanged signals a balanced and cautious approach to growth and employment. However, analysts suggest that FED might adjust its policy later in the year, depending on inflation trends and economic data.

This key decision on U.S. monetary policy doesn’t just impact the American economy—it directly influences global financial markets. Already, stock markets across Europe and Asia have started reacting to the FED’s interest rate stance.

In the coming days, statements from FED officials and upcoming economic indicators will be crucial in shaping market direction.

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