Is USD.AI a scam?
EXTREME RISK · 78/100USD.AI (CHIP) has an automated risk score of 78/100 — extreme risk. USD.AI is controlled by a very small number of wallets: On-chain: the top 10 holders control 95.8% of supply (burn and labelled exchange/staking/LP wallets excluded; team/vesting contracts counted) — extreme concentration that allows single-hand price control. With this little distribution, the price can be pinned and dumped at will — the defining trait of a market-manipulation token. Down 82% from ATH — major decline, recovery is highly unlikely. 20.0% circulating (~80% off-market) — significant future unlocks and concentration risk.
Automated assessment · updated 1 August 2026
USD.AI
chipEXTREME$0.0253
+4.80% (24h)
updating live price…
Risk Assessment
Risk Score
EXTREME RISK
USD.AI is controlled by a very small number of wallets: On-chain: the top 10 holders control 95.8% of supply (burn and labelled exchange/staking/LP wallets excluded; team/vesting contracts counted) — extreme concentration that allows single-hand price control. With this little distribution, the price can be pinned and dumped at will — the defining trait of a market-manipulation token. Down 82% from ATH — major decline, recovery is highly unlikely. 20.0% circulating (~80% off-market) — significant future unlocks and concentration risk.
Here is what the public data shows about USD.AI, ordered by how strongly each factor contributes to the score:
- On-Chain Holder Concentration: On-chain: the top 10 holders control 95.8% of supply (burn and labelled exchange/staking/LP wallets excluded; team/vesting contracts counted) — extreme concentration that allows single-hand price control.
- Price Collapse: Down 82% from ATH — major decline, recovery is highly unlikely.
- Supply Structure: 20.0% circulating (~80% off-market) — significant future unlocks and concentration risk.
- Market Cap Risk: Market cap under $100M — moderate manipulation risk.
These are automated, opinion-based indicators from public data — not financial advice or an allegation of wrongdoing. See our methodology.
Why this asset is flagged as high-risk
The patterns below are automated, opinion-based observations from public market data. They describe statistical risk indicators — not proof of wrongdoing by any project or person.
A small number of insider/team wallets control most of the supply (very low free float). This allows single-hand price control — pinning the price high to drain leveraged short positions via funding, then dumping the entire position for a sudden 90%+ collapse
Verified on-chain: after excluding burn and labelled exchange, staking and liquidity wallets (team/vesting contracts are counted), the top 10 holders control more than half of the supply. This is direct evidence that a handful of wallets can dictate the price and dump it at will
Risk Factor Breakdown
Each factor is scored independently and weighted to calculate the total risk score.
Price Collapse
Price Action
14/25
56%
Severe ATH drawdown signals exit scams, abandoned projects, or post-pump dumps
Volume Anomaly
Trading Signals
1/20
5%
Abnormal volume-to-market-cap ratio is the primary indicator of wash trading or liquidity traps
Market Cap Risk
Market Structure
3/15
20%
Small market caps can be trivially manipulated by a single large holder (whale)
Supply Structure
Tokenomics
11/20
55%
Free float (circulating vs total/max supply). A low float means both future dilution from locked reserves and concentration enabling single-hand price control (estimated; verified holder data is scored separately).
Price Volatility
Price Action
0/15
0%
Extreme short-term price swings are a hallmark of coordinated pump-and-dump schemes
On-Chain Holder Concentration
Tokenomics
22/22
100%
Verified holder data. Burn and labelled exchange, staking, bridge and LP wallets are excluded; unlabelled contracts (often team/vesting multisigs) are counted. Over 50% in the top 10 enables single-hand price control.
Transparency Gaps
Transparency
0/10
0%
Legitimate projects have verifiable public websites, whitepapers, and open-source code
Key Metrics
Protect Yourself
- • Never invest more than you can afford to lose entirely
- • Check token concentration — if top 10 wallets hold >50%, be cautious
- • Verify the team is public and doxxed
- • Read the smart contract audit before buying
- • Be wary of unrealistic APY promises
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Community Comments
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USD.AI holder-concentration history
14 daily measurements · +2.3 pts over the period
FraudCoins.com has measured the share of USD.AI’s supply held by its top 10 non-exchange wallets on 14 days since 18 Jul 2026. The highest reading was 95.8% on 1 Aug 2026; the most recent reading is 95.8% on 1 Aug 2026.
Composite risk score (0–100)
Recorded measurements (14)
| Date measured | Top 10 hold | Above 50% threshold |
|---|---|---|
| 95.8% | Yes | |
| 95.3% | Yes | |
| 95.3% | Yes | |
| 95.3% | Yes | |
| 95.3% | Yes | |
| 94% | Yes | |
| 93.6% | Yes | |
| 93.7% | Yes | |
| 93.7% | Yes | |
| 93.7% | Yes | |
| 93.6% | Yes | |
| 93.8% | Yes |
Each row is an automated measurement taken on the date shown, using public on-chain holder data with burn and labelled exchange, staking, bridge and liquidity wallets excluded. Historical readings describe what our model measured on that date — they are not statements about the project’s conduct then or now, and are not financial advice.
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Frequently asked questions about USD.AI
Is USD.AI a scam?
USD.AI (CHIP) carries an automated risk score of 78/100, rated extreme risk by FraudCoins.com. USD.AI is controlled by a very small number of wallets: On-chain: the top 10 holders control 95.8% of supply (burn and labelled exchange/staking/LP wallets excluded; team/vesting contracts counted) — extreme concentration that allows single-hand price control. With this little distribution, the price can be pinned and dumped at will — the defining trait of a market-manipulation token. Down 82% from ATH — major decline, recovery is highly unlikely. 20.0% circulating (~80% off-market) — significant future unlocks and concentration risk. These are automated, opinion-based indicators from public market and on-chain data — not statements of fact, financial advice, or allegations of wrongdoing.
Why is USD.AI flagged as extreme risk?
USD.AI's risk score is driven mainly by: on-chain holder concentration — On-chain: the top 10 holders control 95.8% of supply (burn and labelled exchange/staking/LP wallets excluded; team/vesting contracts counted) — extreme concentration that allows single-hand price control; price collapse — Down 82% from ATH — major decline, recovery is highly unlikely; supply structure — 20.0% circulating (~80% off-market) — significant future unlocks and concentration risk.
Who controls USD.AI's supply?
On-chain data shows the top 10 holders of USD.AI control 95.8% of the supply, after excluding burn and labelled exchange, staking, bridge and liquidity wallets. At that level, a small number of wallets can move the price at will and sell their position at once.
Is USD.AI safe to buy?
FraudCoins.com does not give buy or sell recommendations, and no cryptocurrency is safe. USD.AI scores 78/100 (extreme risk) on our automated risk model. Always do your own research and never invest more than you can afford to lose.