# USD.AI Earn > Add wallet USDC to sUSDai, follow your variable yield, withdraw to USDC, and move it back to trading from Portfolio. Updated 2026-09-12. Canonical: https://gpuquant.com/docs/usdai-earn [Portfolio Earn](https://gpuquant.com/portfolio?section=earn) lets you acquire USDai with wallet USDC and stake it into sUSDai on Arbitrum. Your tokens remain in your connected wallet. CHIP trading uses the existing Hyperliquid market and has a separate trading balance. ## Add USDC Choose Add USDC, enter an amount, and review the current quote. GPUQuant routes USDC to USDai through LI.FI, then stakes the confirmed USDai received. Each necessary approval and transaction appears in your wallet. If you already hold USDai, you can stake it directly. If your USDC is in Trading, select Trading under From. Confirm the withdrawal to your own wallet, then choose Continue to Earn. Hyperliquid charges a $1 withdrawal fee and normally takes about five minutes. The amount after that fee is filled in for you; Review becomes available once your wallet has enough USDC. When your wallet needs network gas and USDC funding is available, the review allocates 1 USDC from your total to buy gas through Relay. The remaining USDC goes into Earn. Relay's fee is included in that allocation, and unused gas stays in your wallet for later transactions. You do not need ETH to authorize that conversion. Deposit crypto brings USDC from your connected wallet on Base, Ethereum or Optimism to Arbitrum with gas for Earn. Review what you send, the minimum USDC received and the combined gas and transfer cost, then confirm one wallet request. After the deposit is confirmed, choose Add to Earn. This option does not purchase crypto with a card or bank account. Arbitrum is the settlement network. Quotes expire and may be unavailable for a particular amount or wallet. Review the expected output, minimum output and fees. Staking and later withdrawals still use network transactions; the gas you acquired pays their costs. ## Your Earn balance sUSDai represents a share of the USD.AI vault. Its value in USDai changes as the protocol accrues yield and applies its accounting. Portfolio shows your share balance and an estimated USDai value using the protocol's redemption share price. That estimate is not a guaranteed USDC sale price or an immediately withdrawable balance. The variable net APY is reported by USD.AI's current dashboard API. It is an annualized rate, not a promise of future returns. GPUQuant hides the rate when its source timestamp is missing or more than fifteen minutes old. Earn holdings and pending withdrawals are kept separate from Hyperliquid collateral and trading performance. ## Withdraw to USDC When a market route is available, Market swap sells wallet sUSDai for USDC on Arbitrum. Review the live quote, minimum USDC and fees. Liquidity and price can change, so an immediate sale is not guaranteed. Protocol withdrawal requests redemption from USD.AI. Requested shares leave your wallet and enter the queue. The minimum request is 1 sUSDai, and the current contract permits up to 50 active requests per controller. Requests cannot be cancelled. The protocol services withdrawals in order, subject to liquidity, around its 30-day epoch schedule. A request can be partially serviced or roll into later epochs; the displayed window is an estimate. When an amount becomes available, Claim releases USDai to your wallet. Convert to USDC then obtains a fresh market quote. Claiming USDai and converting it are separate transactions. GPUQuant never silently changes a market sale into a queued withdrawal. If you need more network gas, its conversion can be paid from wallet USDC. If you hold neither ETH nor USDC, add USDC for network costs before withdrawing or claiming. Fees cannot be taken from a future queued claim. ## Move to trading After a confirmed exit to wallet USDC, choose Move to trading to review a deposit into your own Hyperliquid account. You can also keep the USDC in your wallet. Hyperliquid's deposit minimum applies. A wallet transaction and the venue credit are separate confirmations; trading availability updates from Hyperliquid. ## Interrupted transactions Portfolio saves public transaction references in this browser, scoped to your wallet. Reconnect the same account and choose Continue to reconcile pending steps. If acquisition completed but staking did not, your USDai stays in your wallet and continuation uses that amount. Refreshing or pressing Confirm again does not start a second acquisition. Do not clear browser storage while an operation is pending. If a wallet response is lost, check its transaction history and the linked block explorer before starting another action. Saved recovery records contain no private keys or signed permits. Relay funding saves the same deposit request through refreshes and delayed confirmations. Check deposit reconciles that request; it does not charge you again. A failed transfer may need to finish its refund before another can begin. ## Risks and protocol details Yield and principal depend on USD.AI's assets, borrowers, liquidity and smart contracts. USDai and sUSDai can trade below their estimated value. Routing adds exchange and, for Base, bridge risk. Approvals authorize the named contract to spend tokens; GPUQuant requests only the amount needed. Network fees may still be spent by a failed transaction. Retail entry uses secondary markets. USD.AI's primary mint and redemption access is restricted to approved participants. Portfolio does not provide fiat onboarding or institutional issuance. Protocol behavior was checked on September 12, 2026. Read the current [sUSDai documentation](https://docs.usd.ai/depositor/susdai), [withdrawal estimates](https://docs.usd.ai/depositor/susdai-withdrawal-estimates), and [mint and redemption update](https://usd.ai/insights/usdai-mint-redeem-upgrade).