Dripwhite paper

Drip turns the interest on your crypto into AI credits, so you can use AI without spending your savings.

You deposit USDG, a dollar stablecoin, into a Drip vault on Robinhood Chain. The vault lends it out, borrowers pay interest, and Drip turns that interest into credits. You spend the credits on Claude Haiku 5.5, Anthropic's fast model, through one chat app or one API key. Your deposit stays in the vault, and you can withdraw it whenever you want.

Later phases add more. Phase 2 gives your AI agents their own budgets and wallets with spending rules. Phase 3 lets you send part of your interest to a friend, a teammate or a developer you support, and transfer credits to other users. Today, in Phase 1, you can deposit, buy credits, chat and use the API.

AI has become a monthly bill, and paying for it is messy in three ways.

• Too many subscriptions. Many people pay several AI providers at once and use only part of what they pay for.
• Surprise bills. Developers and teams running AI agents can see usage costs jump without warning.
• Idle money. Stablecoins often sit in wallets earning nothing, and spending them usually means selling.

Drip links these together. Your assets keep earning, and the earnings become your AI budget.

Your deposit is lent out, borrowers pay interest, and only that interest is turned into AI credits.

The deposit moves only between you and the vault. The keeper takes interest alone, Drip keeps its 10% fee, and the rest lands in your credit balance for the app or API.

Drip runs only on Robinhood Chain and connects five parts: vaults, a lending market, a keeper, a credit ledger and a model gateway.

Robinhood Chain is an Ethereum layer-2 network built on Arbitrum. It is home to USDG, which makes it the natural place for Drip.

The credit 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). Each harvest is an on-chain transaction, and the ledger stores its reference, so anyone can check where yield-earned credits came from.

Drip accepts one kind of deposit: USDG.

Yields float with borrower demand. The numbers above are estimates, not promises.

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

Other assets such as tokenized stocks, ETH and Bitcoin are not accepted. Keeping to one asset keeps the vault simple and the risks easier to understand.

Drip considered stock vaults and dropped them. Almost nobody borrows tokenized stocks yet, so lending them earns close to nothing, and the products that do pay a yield on stocks get it by borrowing dollars against the shares, which adds liquidation risk. Drip does not borrow against deposits.

At a 4.5% yield, a $10,000 USDG deposit earns about $34 a month in credits after Drip's fee.

Covering a $20 monthly AI subscription takes roughly $6,000 to $6,500 deposited at these rates, including the service margin on model usage. Small deposits earn very little, so Drip works best as a free background AI budget, or for teams with larger balances.

Unused credits roll over and never expire, so your balance builds up in months when you use AI less.

Credits are a dollar balance you can spend only on AI through Drip. They are not a token, and they cannot be cashed out.

• The Drip app. Chat with Claude Haiku 5.5 in a simple app. No API key or technical setup needed.
• One API key. An OpenAI-compatible key reaches Claude Haiku 5.5, so code written for the OpenAI SDKs works with a new base URL. Streaming, tool use, JSON mode and images work as usual.

Drip serves one model today: Claude Haiku 5.5. It is fast, handles writing, coding, documents and images, and keeps the price per request low, so credits go further. You do not have to pick a model, and every request is priced the same way: tokens in and tokens out, at Anthropic's price plus the service margin.

Coming in Phase 2. Create sub-keys with their own monthly limit, for example $10 for a research agent and $25 for a coding agent. When a sub-key hits its limit, it stops until the next month or until you raise the limit.

Coming in Phase 2. Agent wallets will let an AI agent hold and spend its own budget, under rules you set.

• Its own balance. Fund each agent wallet with USDG or your credits. Idle USDG stays in the USDG vault and keeps earning until the agent spends it.
• Spending rules. Set daily and monthly caps, a per-request limit, and alerts when spending passes a level you choose.
• Pay per request. The agent pays for each model call as it goes, with no human approving every request.
• Outside tools, later. In Phase 4, agents will also pay approved outside services, such as search or data APIs, in USDG from the same wallet and within the same rules.
• You stay in control. Pause an agent, change its rules or pull its funds back at any time.

A budget only limits what a key can spend. A wallet gives the agent its own funds, its own rules and a full spending history.

Coming in Phase 2. See spend by agent and by day, and a forecast such as "your yield covers 18 days of your usage this month."

If you want credits without depositing, or need more than your yield provides, you can buy them directly with USDG. This is the quickest way for new users to try Drip. Purchased credits work exactly like earned ones, except that they cannot be transferred to other users.

Each request is charged at the model's own price plus a small service margin.

From Phase 3, you can point your yield at other people's AI use while keeping your deposit. None of this is live yet.

Send some or all of your future yield to other Drip accounts. You can split it, for example 70% to yourself, 20% to a friend and 10% to an open-source developer you support. You can change or stop a stream at any time, and the change applies from the next harvest.

Send yield-earned credits directly to another account. To transfer, you need to hold at least $100 worth of DRIP in your connected wallet.

Transfers also have safety limits:

• Daily and per-recipient caps.
• A short waiting period before newly received credits can be sent on.
• Unclaimed gifts return to the sender after a set time.
• Credits bought with USDG cannot be transferred.

Many depositors can send yield into one shared pool, for example to fund AI for an open-source project, a hackathon, a DAO or a group of students. Pools come in Phase 4 (see Roadmap).

From Phase 2, give teammates or your own agents part of your balance through sub-keys with monthly limits.

Credits can only ever be spent on AI and never withdrawn as cash. This is deliberate: it keeps Drip a tool for paying for AI, not a way to move money.

DRIP will be a fair-launch token on Pons, coming in Phase 3. Its one job is to unlock credit transfers. Nothing in Drip needs DRIP today.

Holding at least $100 worth of DRIP in your connected wallet lets you transfer yield-earned credits to other users. Everything else in Drip, including deposits, credits, agent budgets and yield streams, works without DRIP.

DRIP launches on Pons (opens in a new tab), a token launchpad on Robinhood Chain. On Pons, a token's whole supply is sold on a bonding curve, where the price moves with buying and selling. When the curve sells out, the token moves to a Uniswap pool whose liquidity is locked permanently.

This means:

• No presale and no private investors.
• No reserved team allocation and no vesting schedule.
• A fixed supply, set at launch.
• Liquidity that cannot be pulled after the curve completes.

Any DRIP the team buys on the curve will be disclosed, with wallet addresses, when DRIP launches.

Pons charges a 1% fee on every trade, and 70% of it goes to the token's creator (source (opens in a new tab)). For DRIP, that creator is the Drip team, so DRIP trading is a source of income for the project.

How this income is used is still being decided. A proposed split:

The final split will be published before DRIP launches, and creator-fee income will be reported publicly.

Drip earns when you earn, when you spend, and from DRIP trading. About $0.86 of every $1 of interest ends up as actual model usage.

Your deposit itself is never charged a fee.

A $10,000 USDG deposit at 4.5% a year, with a 5% service margin:

Only interest is ever spent, and Drip is designed so it cannot touch your deposit.

• You can exit any time. Withdrawals are limited only by available cash in the lending market (see Risks).
• Drip cannot move deposits. The vault contracts have no function that lets Drip withdraw user funds. Only harvested interest can leave.
• Changes come with warning. Vault contracts are not upgradeable where possible. If a vault needs to switch lending markets, the change is announced on-chain at least 48 hours ahead, so anyone can leave first.
• Emergency pause never locks you in. A pause can stop new deposits but cannot block withdrawals.
• A deposit cap. The USDG vault holds at most 250,000 USDG for now. The cap will rise gradually.

Drip is live on mainnet, but some items are still open. This is where each one stands.

• At least two independent security audits, with reports published: still open.
• Automated testing against the real Morpho contracts on Robinhood Chain: done.
• A public bug bounty: still open.
• Admin keys and timelock settings published on the security page: done.
• Multisig signer addresses published: still open.

Deposits can lose value, and credits are never guaranteed. Read these before you deposit.

Availability by country is listed on the eligibility page. Some regions may be restricted.

• Identity checks may apply to credit transfers, depending on where you live.
• You are responsible for the tax treatment of your deposits, yield, credits and DRIP.
• Drip is not affiliated with Robinhood, Pons, any lending protocol or any model provider.

The team members, the legal entity that operates Drip and its country of registration are not listed yet. They will be added here.

Drip ships in four phases on Robinhood Chain, and each phase starts only when the one before it is stable.

1. Launch (live now). USDG vault with deposit caps, the credit ledger, the Drip app, one API key, and buying credits with USDG.
2. Teams and agents. Agent sub-keys, agent wallets with spending rules, the spending dashboard and team accounts.
3. Sharing and DRIP. DRIP fair launch on Pons, yield streams to other accounts, and credit transfers for DRIP holders.
4. Expansion. Agent payments to approved outside tools, community pools, and "Pay with Drip," which lets other AI apps accept Drip credits.

Phase 1 is live on Robinhood Chain. Dates for the later phases are not set yet.

Bonding curve

A launch method where a token's price rises as people buy and falls as they sell

Credit

A dollar balance in Drip that can be spent only on AI

Depeg

When a stablecoin's price moves away from $1

Harvest

Collecting the interest a vault has earned and turning it into credits

Keeper

An automated service that runs harvests on schedule

Liquidation

When a loan is closed by selling its collateral because the collateral lost value

Stablecoin

A crypto token designed to stay worth $1, such as USDG

Vault

A smart contract that holds deposits and lends them out

Can I lose my deposit? Yes, in rare cases such as a smart contract bug or a stablecoin losing its peg. See Risks.

Do I need DRIP to use Drip? No. Nothing in Drip needs DRIP today. DRIP and credit transfers come in Phase 3, and even then DRIP is needed only to transfer credits to other users.

Can I deposit with a card? No. Deposits are USDG only, and credits are bought with USDG.

I have USDC. Can I use it? Yes. Bridge it to Robinhood Chain, where it arrives as USDG.

Can I cash out my credits? No. Credits can be spent only on AI. Your deposit, though, can be withdrawn at any time.

What happens to credits I don't use? They roll over and never expire.

Is Drip available in the US? Availability by country is listed on the eligibility page. Some regions may be restricted.

This document is for information only. It is not an offer of any token or investment, and it is not financial, legal or tax advice. All figures are estimates and are not guaranteed. DeFi carries a risk of total loss.

• CoinMarketCap: What is Pons (PONS)? (opens in a new tab)

• v1.1 · Oct 21, 2026 · removed tokenized-stock vaults: USDG is the only deposit, and the roadmap now has four phases. Named the lending market: Morpho, through the Steakhouse USDG vault. Part statuses and USDG availability now follow the network the site runs on. The trust table, risk table and before-mainnet list now match the security page, which drops the public dashboard item. Drip now serves one model, Claude Haiku 5.5 through Anthropic, so smart routing and its savings target are removed. Removed the open-items checklist and a third-party source.
• v1.0 · Oct 19, 2026 · first published edition