A real wallet for your USD.AI (CHIP)

USD.AI (CHIP) in Zypto: built for holders who actually use their crypto

Most USD.AI wallets do one thing: hold CHIP. Zypto App is a full DeFi wallet built for actually using it. Hold CHIP non-custodially on the Multichain network, swap into 24,000+ assets across 20+ chains via in-app DEX integrations, connect to dApps with WalletConnect, and use the value through the Zypto Premium Visa Card and Zypto's bill-pay and gift-card surfaces.

Whether you're new and looking for your first USD.AI wallet app or your first CHIP wallet, or an experienced DeFi user who wants one wallet for holding, swapping and real-world spending, Zypto is built for both, without sacrificing self-custody.

From your first CHIP to your first swap - Zypto walks the path

New to USD.AI? You don't need an exchange account to get a wallet. Download Zypto App, generate your recovery phrase, and you have a working CHIP wallet in under a minute. Add your first CHIP by receiving from another wallet, or by buying in-app where supported.

Your USD.AI is secured by you

Zypto App is non-custodial. Your private keys are generated and stored on your device, Zypto never has access to your CHIP and every transaction is signed locally. For account access, every user sets a PIN with optional biometric security (fingerprint or face recognition). You can also filter your wallet to show only verified tokens, protecting you from random airdrops or unsafe assets. For offline hardware wallet security, pair with the Vault Key Card, card-based cold-wallet hardware that signs transactions over NFC, keys never touch the internet.

What is USD.AI?

USD.AI is a credit protocol that lends to operators of AI compute infrastructure, using GPU hardware and data center equipment as on-chain collateral. The system has three parts: USDai, a synthetic dollar minted against deposited stablecoins, sUSDai, its yield-bearing staked version, and CHIP, the governance and utility token. CHIP holders vote on protocol parameters, fee flows, risk settings, and the approval of curators who manage lending facilities. The token launched in early 2026 and the protocol runs across Ethereum, Arbitrum, and Base, built by a team operating as Permian Labs. CHIP is very new and highly speculative. It ties its value to a single, untested model of financing physical AI hardware through tokenized credit, and that model carries real lending and counterparty risk. Treat it as an early-stage, high-risk asset and do your own research. You can track the USD.AI price and keep CHIP in a wallet where you control the keys.