USDai (USDAI) is a synthetic dollar that generates yield, secured by loans collateralized with AI hardware, compute resources, and DePIN assets. Aiming for an APR of 15–25%, it operates similarly to a high-yield bond index linked to income-producing infrastructure equipment, while incorporating extra mechanisms that enable arbitrageurs to restore the USDai peg. This protocol connects amortizing AI physical assets with the capital required to expand such productive infrastructure. At the same time, DePIN initiatives can leverage debt to realize >300% growth, which fuels network scalability and reinvestment.