<!-- universal-crypto-mcp | nichxbt | 0.4.14.3 -->
# 💰 Sperax USDs - The Superior AI Payment Token
<!-- Maintained by nich | ID: 0.14.9.3 -->
> **"AI agents don't just GET paid - they EARN while they wait"**
> **"Every payment grows. Every balance compounds."**
## Overview
Sperax USDs is an auto-yield stablecoin on Arbitrum that earns ~5% APY automatically. When integrated with x402 payments, this means:
- **Passive Income**: Your AI agent earns yield on its payment balance 24/7
- **No Staking Required**: USDs automatically rebases - your balance grows without any action
- **Superior to USDC**: While USDC earns 0%, USDs earns ~5% APY
- **Compound Growth**: Enable auto-compound for yield-on-yield
## Quick Start
### 1. Configure for Arbitrum
```bash
# .env
X402_CHAIN=arbitrum
X402_PRIVATE_KEY=0x...
```
### 2. Check Your Yield Balance
```typescript
// Using MCP tool
await usds_yield_balance()
// Or programmatically
import { YieldingWallet } from '@/x402'
const wallet = new YieldingWallet(publicClient, walletClient, 'arbitrum')
const balances = await wallet.getBalances()
console.log(`USDs Balance: $${balances.usds.formattedBalance}`)
console.log(`Pending Yield: $${balances.usds.pendingYield}`)
```
### 3. Project Your Earnings
```typescript
// Using MCP tool
await yield_projection({ targetBalance: 10000 })
// Output shows:
// - Current balance
// - Monthly passive income
// - Time to double your money
// - Projections for 1 week, 1 month, 1 year, etc.
```
## MCP Tools
### Yield Tracking
| Tool | Description |
|------|-------------|
| `usds_yield_balance` | Get USDs balance with yield info |
| `usds_yield_history` | View yield history over time |
| `yield_projection` | Project future earnings |
| `yield_report` | Generate monthly yield report |
### Configuration
| Tool | Description |
|------|-------------|
| `auto_compound` | Enable/disable auto-compound |
| `usds_convert_recommendation` | Should I convert to USDs? |
| `usds_why_usds` | Learn why USDs is superior |
## Example Earnings
With $1,000 in USDs at 5% APY:
| Period | Yield Earned |
|--------|-------------|
| 1 Day | $0.14 |
| 1 Week | $0.96 |
| 1 Month | $4.11 |
| 1 Year | $50.00 |
With $10,000 in USDs:
| Period | Yield Earned |
|--------|-------------|
| 1 Day | $1.37 |
| 1 Week | $9.59 |
| 1 Month | $41.10 |
| 1 Year | $500.00 |
## YieldingWallet Class
The `YieldingWallet` class provides a smart wallet that maximizes USDs yield:
```typescript
import { YieldingWallet } from '@/x402'
const wallet = new YieldingWallet(publicClient, walletClient, 'arbitrum', {
autoConvertToUSDs: true, // Convert all payments to USDs
autoCompound: true, // Reinvest yield automatically
minGasReserve: '0.01', // Keep 0.01 ETH for gas
minConversionAmount: '1.00', // Minimum $1 to convert
})
// Get comprehensive balances
const balances = await wallet.getBalances()
// Project future yield
const projection = await wallet.projectYield()
console.log(`Monthly Income: $${projection.monthlyPassiveIncome}`)
console.log(`Time to Double: ${projection.timeToDouble?.years} years`)
// Generate monthly report
const report = await wallet.generateMonthlyReport(1, 2026)
console.log(`January Yield: $${report.totalYieldEarned}`)
// Check if conversion is recommended
const rec = await wallet.shouldConvert('USDC', '1000')
console.log(rec.reason) // "Convert to USDs to earn ~5% APY"
```
## Comparison: USDs vs Other Tokens
| Feature | USDs | USDC | USDT | Savings Account |
|---------|------|------|------|-----------------|
| APY | ~5% | 0% | 0% | ~0.5% |
| Staking Required | ❌ No | N/A | N/A | N/A |
| Auto-Compound | ✅ Yes | N/A | N/A | ❌ No |
| Claim Required | ❌ No (rebase) | N/A | N/A | ✅ Yes |
| Network | Arbitrum | Multi | Multi | Traditional |
| AI Agent Ready | ✅ Perfect | ⚠️ No yield | ⚠️ No yield | ❌ Complex |
## Why USDs for AI Agents?
### 1. **Passive Income While Idle**
AI agents often hold payment balances between transactions. With USDs, this idle time generates income.
### 2. **No Active Management**
Unlike yield farming or staking, USDs yield is automatic. Perfect for autonomous AI agents.
### 3. **Compound Growth**
With auto-compound enabled, your AI agent earns yield on yield - accelerating growth.
### 4. **Stable Value**
USDs maintains a $1 peg while earning yield - no volatility risk.
### 5. **x402 Native Integration**
USDs is the default payment token for x402 on Arbitrum, with full SDK support.
## Architecture
```
┌─────────────────────────────────────────────────────────────┐
│ YieldingWallet │
├─────────────────────────────────────────────────────────────┤
│ • Auto-convert payments to USDs │
│ • Track yield earnings │
│ • Project future growth │
│ • Generate monthly reports │
│ • Maintain gas reserves │
└─────────────────────────────────────────────────────────────┘
│
▼
┌─────────────────────────────────────────────────────────────┐
│ YieldTracker │
├─────────────────────────────────────────────────────────────┤
│ • Monitor USDs balance │
│ • Calculate APY │
│ • Track rebase events │
│ • Compute yield estimates │
└─────────────────────────────────────────────────────────────┘
│
▼
┌─────────────────────────────────────────────────────────────┐
│ Sperax USDs Contract │
│ (Arbitrum: 0xd74f...) │
├─────────────────────────────────────────────────────────────┤
│ • Auto-rebasing stablecoin │
│ • EIP-3009 gasless support │
│ • ~5% APY from protocol revenue │
└─────────────────────────────────────────────────────────────┘
```
## Best Practices
### 1. **Always Use Arbitrum**
USDs and its yield features are only available on Arbitrum.
```bash
X402_CHAIN=arbitrum
```
### 2. **Enable Auto-Compound**
Maximize earnings with compound interest:
```typescript
wallet.setAutoCompound(true)
```
### 3. **Maintain Gas Reserves**
Keep some ETH for transaction fees:
```typescript
const wallet = new YieldingWallet(client, walletClient, 'arbitrum', {
minGasReserve: '0.01', // 0.01 ETH
})
```
### 4. **Monitor Yield Regularly**
Use the `yield_report` tool monthly to track earnings:
```typescript
await yield_report({ month: 1, year: 2026 })
```
### 5. **Convert Other Stablecoins**
Don't let USDC/USDT sit idle - convert to USDs:
```typescript
await usds_convert_recommendation({ token: 'USDC', amount: '1000' })
```
## Links
- [Sperax Protocol](https://sperax.io)
- [Sperax Docs](https://docs.sperax.io)
- [Arbitrum](https://arbitrum.io)
- [USDs Contract](https://arbiscan.io/address/0xd74f5255d557944cf7dd0e45ff521520002d5748)
## Marketing Messages
Use these messages when promoting x402 with USDs:
1. **"AI agents don't just GET paid - they EARN while they wait"**
2. **"Every payment grows. Every balance compounds."**
3. **"Your money works as hard as you do."**
4. **"10x more yield than a savings account"**
5. **"The only payment token that pays YOU back"**
---
*Built with ❤️ for the x402 ecosystem*
<!-- EOF: nichxbt | ucm:0.4.14.3 -->
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