A. ISOLATED MODE

1. Collateral

1.1. Introduction

JPOW aims to support a multi-collateral system, allowing users to deposit various assets to mint USDAI. The protocol classifies collateral into different risk tiers, each with a specific Loan-to-Value (LTV) ratio:

• AI Agent Tokens → 30% LTV
• AI Agent Tokens + USDC (combined collateral) → up to 60% LTV (upcoming)
• USDC Only → 95% LTV

1.2. Collaterals

Currently, JPOW supports collateral tokens:

• MAX
• ORAI
• USDC
• SOL
• VIRTUAL
• scORAI

Collaterals are continuously monitored, and liquidation occurs if the collateral value drops below the required safety threshold. JPOW’s AI optimizes risk management, ensuring efficient utilization of collateral while maintaining protocol stability.

2. Minting USDAI

JPOW allows users to mint USDAI by depositing supported collateral assets into the protocol. The amount of USDAI minted is determined by the Loan-to-Value (LTV) ratio, ensuring a secure over-collateralization model.

Minting Process

1. Collateral Deposit – Users deposit eligible assets into the protocol.