USD.AI Token Sale on CoinList: What to Know About the $CHIP ICO and Potential March 2026 Listing

The emerging stablecoin protocol USD.AI is preparing for a pivotal moment in early 2026 as it launches a public token sale on CoinList and rolls out a highly anticipated airdrop tied to its native $CHIP token. With reported trading volume surpassing $7.7 billion and a GPU-backed lending model that the foundation says is already generating real revenue, industry observers are closely watching what could become one of the most talked-about token events of the first quarter.

The project, which positions itself at the intersection of decentralized finance and artificial intelligence infrastructure, has raised $17.4 million from prominent investors including YZi Labs, Dragonfly, Framework Ventures, and Coinbase Ventures. As the token sale approaches, market participants are evaluating whether USD.AI’s structured rollout and fully unlocked token distribution at launch could reshape early 2026’s stablecoin narrative.

According to information reviewed by Hokanews, the protocol reports a lending pipeline exceeding $1.5 billion, with the first $100 million in GPU-backed loans scheduled for the first quarter of 2026. The foundation’s strategy signals an effort to anchor its token economy in operational revenue rather than speculative hype.

Understanding the USD.AI Protocol and GPU-Backed Lending

USD.AI describes itself as a stablecoin protocol built specifically for GPU-backed lending. The model aims to address the growing demand for artificial intelligence computing resources by enabling loans collateralized by GPU infrastructure. As AI workloads expand globally, access to high-performance graphics processing units has become both scarce and expensive.

By integrating stablecoin liquidity with GPU-backed financing, the protocol seeks to create a funding bridge between capital markets and AI infrastructure operators. In theory, lenders earn yield from real-world revenue streams generated by GPU deployments, while borrowers gain access to capital to scale AI compute capacity.

The foundation’s reported $1.5 billion loan pipeline reflects demand from data centers and AI-related enterprises. The planned initial $100 million deployment in the first quarter of 2026 will serve as an early test of the model’s scalability and risk management.

Industry analysts note that tying a stablecoin framework to revenue-generating infrastructure may help differentiate USD.AI from algorithmic or purely collateral-backed stablecoins. However, as with any new financial architecture, long-term sustainability will depend on execution and transparency.

USD.AI Airdrop: Allocation, Unlock and Eligibility

A significant component of the project’s launch strategy is the USD.AI airdrop linked to the $CHIP token. The allocation stands at 300,000,000 $CHIP, representing 3 percent of the total supply. Notably, the tokens will be fully unlocked at the Token Generation Event, commonly referred to as TGE.

Source: Official CHIP X Account

There is no minimum token requirement to qualify. Instead, eligibility is determined by user participation and alignment within the project’s ecosystem. Tokens will be automatically distributed to eligible wallets, and no separate claim process will be required. However, users must meet defined participation conditions.

Key requirements include participation in Season 1 of the Allo Game, alignment in at least one strategy labeled ICO or crypto Airdrop, and proper wallet setup on the official platform. The foundation has stated that unaligned points will burn after February 18, adding urgency for users to finalize their positions.

While many observers consider March 2, 2026 as the likely date for both the TGE and a potential listing, no exchange has formally confirmed a listing schedule at this time. As a result, speculation remains elevated, but confirmation is pending.

The decision to fully unlock the airdrop allocation at TGE could have significant market implications. Full unlock structures often increase initial liquidity but may also introduce volatility, particularly if early recipients choose to realize gains quickly. At the same time, automatic distribution and structured eligibility criteria may reduce exploitative behavior often associated with passive airdrop farming.

CoinList Token Sale: Dates, Price and Participation Rules

The public token sale will be conducted on CoinList between February 22 at 11:00 PM UTC and February 27 at 11:00 PM UTC. Participation is limited to users who joined the Allo Game, and allocations are determined based on points earned during ecosystem engagement.

Oversubscription is permitted. If tokens remain unsold, they will be distributed on a pro-rata basis, meaning participants with larger contributions may receive increased allocations. This structure incentivizes deeper engagement and higher capital commitments.

Source: CoinList Website

Sale details indicate a price of $0.03 per $CHIP token. The fully diluted valuation stands at $300 million, with 700,000,000 tokens allocated to the sale, equivalent to 7 percent of the total 10,000,000,000 supply. The minimum purchase requirement is $100, and distribution will occur directly to whitelisted wallets.

KYC and AML verification is mandatory for all participants from February 9 through February 27. Compliance measures are intended to align the sale with regulatory expectations and reduce legal exposure for both the platform and investors.

Crypto analysts cited by Hokanews note that the structure appears designed to reward active contributors rather than short-term speculators. By tying allocations to ecosystem engagement, the foundation may reduce immediate selling pressure and encourage longer-term alignment.

Tokenomics and Market Metrics Ahead of TGE

According to available data, the current token price is reported at $1.000 with no daily percentage change. Market capitalization stands at approximately $552,328,674, matching the fully diluted valuation at the same level. Trading volume is recorded at $2,993,892.

The all-time high price is listed at $1.19. Meanwhile, the protocol’s current annual percentage rate is 6.58 percent, with an expected APR of 10.48 percent. A Coinlaunch trust score of 69 out of 100 suggests moderate confidence from industry evaluators.

These metrics indicate that operational activity is underway ahead of the official $CHIP TGE event. However, market participants remain cautious, recognizing that token launches often introduce volatility regardless of pre-launch traction.

The full unlock at TGE, scheduled for early March 2026, is a defining feature. While this approach increases immediate circulating supply, it also eliminates overhang concerns associated with long vesting cliffs. Investors will likely assess whether liquidity depth and demand are sufficient to absorb initial supply without destabilizing price action.

Broader Stablecoin and AI Market Context

The timing of USD.AI’s token sale aligns with heightened interest in both stablecoin infrastructure and artificial intelligence funding. Governments and financial institutions continue to examine regulatory frameworks for digital assets, while AI-driven demand for computing power accelerates.

By combining stablecoin mechanics with GPU-backed lending, USD.AI positions itself within two rapidly expanding sectors. If successful, the model could serve as a template for asset-backed digital currencies linked to tangible infrastructure revenue.

However, risks remain. Stablecoin models have historically faced scrutiny related to reserve transparency, liquidity management, and systemic exposure. Additionally, GPU-backed lending introduces operational risk tied to hardware depreciation, supply chain constraints, and borrower performance.

As the March 2026 TGE approaches, investors are weighing the project’s capital backing, reported revenue pipeline, and governance structure against broader market volatility.

What Investors Should Consider

Prospective participants should carefully review eligibility criteria, compliance requirements, and token distribution mechanics before engaging in the CoinList sale or anticipating the airdrop.

Key considerations include:

Assessment of lockup and unlock structures
Evaluation of GPU-backed collateral valuation methods
Regulatory compliance obligations
Market liquidity conditions at TGE
Potential short-term volatility following full unlock

While the foundation emphasizes transparency and structured rollout, token investments inherently carry risk. Market dynamics, investor sentiment, and macroeconomic conditions may influence performance beyond protocol fundamentals.

Conclusion

The USD.AI token sale on CoinList and the upcoming $CHIP TGE represent a defining milestone for a stablecoin protocol seeking to anchor its value proposition in GPU-backed lending revenue. With a fully unlocked airdrop allocation, structured participation requirements, and compliance-focused sale mechanics, the rollout reflects a deliberate and calculated strategy.

Whether March 2, 2026 ultimately becomes the official listing date remains unconfirmed. Nonetheless, the convergence of stablecoin innovation and AI infrastructure financing ensures that USD.AI will remain closely watched in the months ahead.

As always, participants should conduct independent research and carefully evaluate risk before committing capital.

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Writer @Erlin
Erlin is an experienced crypto writer who loves to explore the intersection of blockchain technology and financial markets. She regularly provides insights into the latest trends and innovations in the digital currency space.
 
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