How it works

Only theinterest moves

Your deposit is lent out, borrowers pay interest, and only that interest is turned into AI credits. Your deposit stays yours: it moves only between you and the vault.

01The flow

Five steps fromdeposit to AI

Deposit, lend, harvest, credits, use AI. The withdraw path is always open.

How Drip works: deposit to AI credits01 Deposit: You deposit USDG into a Drip vault on Robinhood Chain. It stays yours. 02 Lend: The vault lends it through Morpho to over-collateralised borrowers. 03 Harvest: A keeper collects only the interest. Drip keeps a 10% fee. 04 Credits: The rest lands in your balance as dollar credits that never expire. 05 Use AI: Spend credits on Claude Haiku 5.5 in the Drip app or with one API key. The deposit moves only between you and the vault, and you can withdraw at any time.YouYour walletDEPOSIT USDGWITHDRAW ANY TIMEDrip vaultHolds your depositRobinhood ChainLENDSINTERESTLending marketOver-collateralised borrowersINTEREST ONLYKeeperHarvests on schedule10% FEEDRIPCreditsNever expireUse AIApp or APITHE DEPOSIT MOVES ONLY BETWEEN YOU AND THE VAULTHow Drip works: deposit to AI credits01 Deposit: You deposit USDG into a Drip vault on Robinhood Chain. It stays yours. 02 Lend: The vault lends it through Morpho to over-collateralised borrowers. 03 Harvest: A keeper collects only the interest. Drip keeps a 10% fee. 04 Credits: The rest lands in your balance as dollar credits that never expire. 05 Use AI: Spend credits on Claude Haiku 5.5 in the Drip app or with one API key. The deposit moves only between you and the vault, and you can withdraw at any time.YouYour walletDEPOSIT USDGWITHDRAWANY TIMEDrip vaultHolds your depositRobinhood ChainLENDSINTERESTLending marketOver-collateralised borrowersINTEREST ONLYKeeperHarvests on schedule10% FEEDRIPCreditsNever expireUse AIApp or APITHE DEPOSIT MOVES ONLYBETWEEN YOU AND THE VAULT

  1. 01Deposit

    You deposit USDG into a Drip vault on Robinhood Chain. It stays yours.

    You deposit , a dollar stablecoin, into a Drip on Robinhood Chain. The vault tracks your share, and you can withdraw whenever you want. If you hold USDC on another network, you can bridge it to Robinhood Chain, where it arrives as USDG.

    What you can deposit

  2. 02Lend

    The vault lends it through Morpho to over-collateralised borrowers.

    The vault lends your USDG through Morpho, in the Steakhouse USDG vault, curated by Steakhouse Financial. Borrowers there post more collateral than they borrow and pay interest. Drip only supplies; it never borrows.

    Architecture

  3. 03Harvest

    A keeper collects only the interest. Drip keeps a 10% fee.

    A collects only the interest the vault has earned, on a set schedule. Each is an on-chain transaction. Drip keeps a 10% performance fee; the deposit itself is never charged a fee.

    Fees

  4. 04Credits

    The rest lands in your balance as dollar credits that never expire.

    The rest lands in your balance as dollar credits. Credits are not a token, cannot be cashed out, and roll over without expiring. The credit ledger stores each harvest’s reference, so anyone can check where yield-earned credits came from.

    Credits

  5. 05Use AI

    Spend credits on Claude Haiku 5.5 in the Drip app or with one API key.

    Spend credits on Claude Haiku 5.5, Anthropic’s fast model: chat in the Drip app with no setup, or use one OpenAI-compatible API key. Each request is charged at Anthropic’s price plus a small service margin.

    Developers

Any time

Withdraw

Withdrawals are limited only by available cash in the lending market. An emergency pause can stop new deposits but cannot block withdrawals.

Protections

02Architecture

The partsof Drip

Drip runs only on Robinhood Chain and connects five parts: vaults, a lending market, a keeper, a credit ledger and a model gateway. Agent wallets join in Phase 2.

Drip's parts: what each does, where it lives and its status
PartWhat it doesWhere it livesStatus
VaultsHold deposits, track each user's share, and let only interest leaveOn-chain, Robinhood ChainLive
Lending marketLends vault assets to borrowers who post extra collateralOn-chain, Morpho on Robinhood ChainMorpho, Steakhouse USDG vault
KeeperCollects interest from the vaults on a set scheduleDrip-operated serviceAt most daily, from 50 USDG of interest
Credit ledgerRecords each user's credit balance and links it to the harvest that funded itOff-chain database, harvests recorded on-chainLive
Agent walletsHold an agent's own funds and enforce the spending rules its owner setsOn-chain for USDG, credit limits in the ledgerComing in Phase 2Phase 2
Model gatewaySends each request to Claude Haiku 5.5 through the Anthropic API, and charges for the tokens usedDrip-operated serviceAnthropic

Why the ledger is off-chain

That keeps credits fast and cheap to spend, but it also means credits depend on Drip continuing to operate (see risks).

03Worked example

What $10,000earns in a month

About $0.86 of every $1 of interest ends up as actual model usage. Estimates, not promises: yields float with borrower demand.

$10,000 USDG at 4.5% a year, with a 5% service margin
StepPer month
Interest earned$37.50
Minus 10% performance fee−$3.75
Credits added to your balance$33.75
Minus 5% service margin as you spend−$1.61
Model usage you actually get$32.14

Model usage a month

$32.14

Estimate, not a promise. It uses the current performance fee and service margin from the whitepaper. Your deposit itself is never charged a fee. Unused credits roll over and never expire.

04Deposit assets

One asset,kept simple

USDG only. If you hold USDC on another network, bridge it and it arrives as USDG. Tokenized stocks, ETH and Bitcoin are not accepted.

  • USDG

    Dollar stablecoin

    Available now
    Interest from
    Borrowers who post more collateral than they borrow
    Typical yield
    About 3–6% a year
    Best for
    Steady, predictable credits

    USDG vaults are the core product. If you hold USDC on another network, bridge it to Robinhood Chain, where it arrives as USDG.

  • Everything else

    Other assets

    Not accepted
    Includes
    Tokenized stocks, ETH, Bitcoin and other tokens
    Why
    One asset keeps the vault simple and its risks easy to understand
    Instead
    Swap or bridge to USDG first, then deposit

    Drip looked at tokenized stocks and left them out: almost nobody borrows them yet, so a stock vault would earn close to nothing without borrowing against your shares.

Next

Let your interest pay for your AI.

Deposit USDG in the built-in app, or read the full mechanism in the whitepaper.

Launch app Read the whitepaper