Sell stock to pay for AI
- NVDA you still own
- 100.0%
- Spent on AI
- $0
- Taxable sales
- 0
Vaults on Solana · 337 models · one key
Your stock stays. Its interest pays for AI.
Put NVDAx, SPYx, QQQx or USDC into a vault of your own on Solana. Nothing is sold. The interest pays for Claude, GPT, Gemini and 330+ other models through one API key.
$10,000 in USDC pays for about 92,000 Claude requests a month. The $10,000 stays yours.
CA
Contract address · posted here at launch
NVDAx+3.60% APY
SPYx+3.60% APY
QQQx+3.60% APYUSDC+7.20% APY
your vault
Claude Haiku 5.5paid$0.0004 / req
GPT-5.5paid$0.004 / req
Gemini Flashpaid$0.0006 / req
DeepSeekpaid$0.0003 / req
Grokpaid$0.002 / req
A $10,000 USDC vault pays
$60.00/ month
≈ 150,000 Claude Haiku requests
+$0.0000000 since you opened this page · the deposit is never spent
One key for every major lab
Most people sell a little stock to pay for the tools they use. With Stipendo, the stock stays put and only its interest goes to work, every second, for every model you call.
The difference
Sell a little every month,
or never sell at all.
0
months
Let the interest pay
- NVDA you still own
- 100.0%
- Spent on AI
- $0
- Shares sold
- 0
$10,000 in NVIDIA, $30.00 of AI a month. Illustration; the interest rate changes with the market.
The fine print
Where the interest
comes from.
Lending, not magic
Your vault lends its tokens on Solana lending markets such as Kamino. Borrowers pay interest; that interest is what pays for your AI.
Your wallet holds the keys
Each vault belongs to one wallet. Stipendo can move only the interest you ask it to turn into credit, never the deposit.
Withdraw any time
No lock-up and no exit fee. Take the deposit back whenever you want.
The risks, plainly
Lending markets carry smart-contract risk, and rates move with demand. NVDAx, SPYx and QQQx follow their stock, down as well as up.
How it works
Three steps.
Then it runs itself.
- 01
Deposit
Your NVDAx, SPYx, QQQx or USDC goes into a vault only your wallet controls. It is lent out on Solana money markets. Nothing is sold.
- 02
Earn
Interest accrues every second and mints credit. One credit is one dollar of AI.
- 03
Use
Spend credit on any of 337 models through one OpenAI-compatible key, or let your agents spend it for you.
your vault
Deposited $0 · sold $0
0.00credit minted
Interest → credit · 1 credit = $1 of AI
Credit30.00 / mo
ClaudeGPTGeminiDeepSeekGrok
Mistral
One key · 337 models · your agents too
Explore
Everything in
one place.
01
↗
Vaults
Four assets, one vault of your own, and a calculator for what it pays.
0
02
↗
Models
Every major lab through one key, and a router that picks the cheapest fit.
model="auto"03
↗
Developers
OpenAI-compatible API, MCP, and agents that fund themselves.
04
↗
$STIPENDO
The token that unlocks Auto routing.
Questions
Is my deposit ever spent?
No. Only the interest becomes credit. The deposit stays in your vault and you can withdraw it whenever you want.
What is credit?
The unit your requests are paid in. One credit is one dollar of AI at the provider's price plus a 5% fee. You can also mint it directly with USDC.
Who controls the vault?
Your wallet. Each vault belongs to one wallet; Stipendo can move only the interest it has been asked to turn into credit.
What are NVDAx, SPYx and QQQx?
xStocks: tokens on Solana that track NVIDIA, the S&P 500 ETF and the Nasdaq-100 ETF one to one.
Can I use my own OpenAI or Anthropic account?
Yes. In routing-only mode Stipendo just names the model to call; you call it yourself with your own key.