Reshaping the Stablecoin Landscape Driven by AI: Building New Generation Financial Infrastructure

Stablecoins, as one of the most important infrastructures in the cryptocurrency field, are entering a period of rapid popularity. Between 2023 and 2025, the total supply, transaction volume, and turnover speed of stablecoins are all showing an explosive growth trend, especially in the fields of payment and cross-border transactions. At the same time, regulatory frameworks are becoming increasingly clear, and institutions are continuously increasing their adoption of stablecoins.

With the deepening application of traditional finance, the innovation of stablecoins in the AI field is also actively advancing, aiming to address the numerous challenges faced in the Web3 AI ecosystem.

The Stablecoin Challenge of the AI Ecosystem

Although many AI teams design AI tokens as a core component of the ecosystem, they often concentrate resources on AI product development rather than the decentralized finance space. This has led to some issues:

1. Some projects use volatile coins as a means of payment, leading to price fluctuation issues.
2. Some projects require participants to sell subnet coins in exchange for stablecoins to maintain operating funds.
3. The token design is not ideal, resulting in thin market liquidity, making it difficult to build DeFi ecosystem applications.

In response to these challenges, some innovative projects have emerged:

Maitrix: AI stablecoin layer

Maitrix launches an over-collateralized AI native stablecoin (AI USD) targeting various ecosystems, transforming the originally volatile AI economy into a predictable and composable economic system. Its main components include:

• stablecoin launch platform
• Curve ve(3,3) model incentive
• Stablecoin Automated Market Making Model

Maitrix has established partnerships with several top AI ecosystems, the testnet has received a warm response, and the mainnet launch is imminent.

The Financing Dilemma of AI Computing Resources

With the rapid development of AI, the market's demand for computing resources has surged. Traditional financing methods struggle to meet the rapid expansion needs of data centers, leading to the emergence of new projects to address this issue:

Gaib: AI and Computational Resource Economic Layer

Gaib helps data centers efficiently finance by tokenizing future cash flows from GPUs, while providing investors with income-generating assets backed by physical assets. Its mechanism works as follows:

1. Cloud service providers package GPU revenue cash flows into securitized products.
2. Cash flow is tokenized, with a term of 6-12 months.
3. Investors purchase tokens and receive regular rewards.

Gaib calls this AI synthetic dollar "AID", with an expected annualized yield of about 40%. Currently, it has accumulated approximately 22 million dollars in total locked value.

USDAI: Asset-backed yield-generating synthetic stablecoin

USDAI is a stablecoin backed by hardware assets ( such as GPUs, telecommunications equipment, etc. ) as collateral for loans. Borrowers obtain loans from USDAI and pay interest, and these earnings belong to the holders of USDAI tokens.

The target yield of USDAI is 15-25% annualized, and the asset allocation will gradually transition from 100% U.S. Treasury bonds to 100% physical hardware assets.

Other AI-related stablecoin products

• Almanak launched alUSD, a tokenized AI yield optimization strategy that maximizes returns through multi-platform stablecoin investments.
• AixFi, insterstable: a DeFi protocol treasury that automatically deploys USDC assets, planning to introduce an AI decision-making mechanism.

Future Outlook

1. There may be protocols similar to Ethena that utilize GPU computing power to generate high yields for stablecoins.
2. More tokenized AI strategies are expected to emerge, such as tokenizing AI-optimized yield strategies into highly composable vaults.
3. The liquidity within the Web3 AI ecosystem is expected to enhance, with more value created by AI flowing into the DeFi sector, improving the value capture capability of the entire Web3 ecosystem.

Although the prospects of these innovative projects are tempting, investors still need to carefully assess the risks and fully understand the key elements such as the anchoring mechanisms, redemption, and liquidation processes of each project.