How Artificial Intelligence is Changing the Stablecoin Ecosystem

Stablecoins, as a key infrastructure in the crypto space, are entering a rapid development phase. From 2023 to 2025, the total supply, trading volume, and turnover speed of stablecoins are all showing a significant growth trend, particularly in the fields of payments and cross-border transactions. At the same time, the regulatory environment is becoming increasingly clear, and institutions are continuously increasing their adoption of stablecoins. Several well-known payment companies and banks are actively exploring stablecoin services, and some large enterprises are also beginning to consider using stablecoins for payments to reduce transaction fees associated with traditional payment channels.

As the application of stablecoins in the traditional financial sector deepens, the innovative integration of artificial intelligence and stablecoins is also continuously advancing, aiming to address the challenges faced by service providers and users in the Web3 artificial intelligence ecosystem.

The Challenges of Stablecoins in the AI Ecosystem

Challenge 1: The contradiction between AI token design and ecological development

Although many AI projects design their native tokens as core components of the ecosystem, covering aspects such as payments and governance, they often concentrate resources on AI product development rather than on decentralized finance. While this approach is beneficial for token value accumulation, it also presents some issues for ecosystem participants:

• Increasing difficulty in providing liquidity ( such as the Virtuals project )
• The price fluctuation of the payment unit (, such as the Aethir project ).
• Participants need to frequently exchange tokens to maintain operations ( such as the Bittensor project )

These designs may serve as a good growth driver for AI tokens, but they could also hinder the participation of some key players, as the designs themselves may provoke market fluctuations. The increase in the number of tokens combined with inadequate design leads to insufficient market liquidity, making it difficult for DeFi ecosystem applications to be built on it.

To address this challenge, the Maitrix project has proposed a solution with an AI stablecoin layer. Maitrix has launched an over-collateralized native stablecoin (AI USD) for various AI ecosystems, aimed at transforming the highly volatile yet lucrative AI economy into a predictable, composable, and vibrant economic system.

The main components of Maitrix include:

1. Stablecoin Launch Platform: Allows AI projects to create exclusive AI stablecoins using native tokens and their derivatives.
2. Incentive mechanism based on Curve ve(3,3) model
3. A stablecoin automated market-making model that supports the exchange of various AI USD tokens.

Currently, Maitrix has supported stablecoin assets from multiple AI projects, such as Aethir USD, Vana USD, etc., and has established important partnerships with several top AI ecosystems.

Challenge 2: The Financing Dilemma of AI Computing Resources

With the rapid development and widespread application of AI technology, the demand for computing resources in the market has surged. However, enterprise-level GPU devices are expensive, and traditional financing methods are complex, making it difficult for data centers to quickly scale up to meet market demand.

In response to this challenge, the Gaib and USDAI projects have proposed innovative solutions.

Gaib, as the first economic layer combining AI and computing resources, helps data centers efficiently raise funds by tokenizing the future cash flow of GPUs, while providing investors with income-generating assets backed by physical assets (GPU). The working mechanism of Gaib includes:

1. Package GPU revenue cash flow into securitized financial products
2. Tokenize these cash flows.
3. Investors purchase tokens and receive regular rewards.

The artificial intelligence synthetic dollar "AID" launched by Gaib is backed by a portfolio of GPU-financed trading and is configured with liquid assets such as government bonds as reserves. Currently, the project has accumulated a total locked value of approximately 22 million dollars.

USDAI is a stablecoin supported by hardware assets ( such as graphics cards, telecommunications equipment, solar panels, etc. ) as collateral for loans. USDAI adopts a pure debt financing trading model: borrowers obtain loans from USDAI and pay interest, and the profits generated from these interests belong to USDAI token holders. USDAI aims to set the yield at an annualized rate of 15-25%, with asset allocation transitioning in stages from 100% U.S. Treasury bonds to 100% physical hardware assets.

Other AI-related stablecoin products

In addition to the projects mentioned above, some innovative AI-related stablecoin products are emerging.

1. alUSD launched by Almanak: This is a tokenized AI yield optimization strategy that maximizes risk-adjusted returns by investing stablecoins across multiple DeFi platforms.

2. AixFi and interstable: This is a DeFi protocol vault that automatically deploys USDC assets, initially adopting a rule-driven model, with plans to gradually introduce an AI decision-making mechanism.

Future Outlook

With the deep integration of AI and stablecoins, we may see more innovative developments:

1. A new type of protocol that leverages GPU computing power to generate high returns for stablecoins.
2. More tokenized AI strategies to enhance the composability of the DeFi ecosystem.
3. Significant enhancement of liquidity within the Web3 AI ecosystem

Although these innovative projects are exciting, factors such as risk management, anchoring mechanisms, redemption, and settlement mechanisms are crucial in the stablecoin space. Investors must fully understand and assess all potential risks before participating.