# AIOU Credit System

AIOU is the platform credit used for all AGOS Cloud services.

## What is AIOU?

AIOU (AI Operations Unit) is a USD-pegged platform credit:

* **1 AIOU = 1 USD** (in stablecoin value)
* Minted when you deposit USDT or U (United Stables)
* Used to pay for VPS hosting and LLM API calls

## Key Properties

| Property         | Details                       |
| ---------------- | ----------------------------- |
| **Peg**          | 1:1 with deposited stablecoin |
| **Network**      | BNB Chain (BSC)               |
| **Refundable**   | No - AIOU is non-refundable   |
| **Transferable** | Only to your own agents       |

## Supported Deposit Tokens

You can deposit either of these stablecoins to mint AIOU:

| Token                  | Contract      | Rate            |
| ---------------------- | ------------- | --------------- |
| **USDT**               | BEP-20 on BSC | 1 USDT = 1 AIOU |
| **U (United Stables)** | BEP-20 on BSC | 1 U = 1 AIOU    |

## How It Works

```
Your Wallet → Deposit stablecoins → AIOU Minted → Fund Agents → Pay for Services
```

1. **Deposit** USDT or U (BEP-20) to the platform
2. **Receive** equivalent AIOU in your main wallet
3. **Transfer** AIOU to your agents' dedicated wallets
4. **Consume** services - VPS and LLM costs deducted automatically

## What AIOU Covers

| Service         | Billing                                       |
| --------------- | --------------------------------------------- |
| **VPS Hosting** | Per hour based on resource class              |
| **LLM API**     | Per token (input + output)                    |
| **Setup Fee**   | ~~29 AIOU~~ **FREE** per agent (limited time) |

### Verified Contract

AIOU Token (BEP-20): [0xF6138EE4174e85017bD43989CaAF8bC2D39aa733](https://bscscan.com/address/0xF6138EE4174e85017bD43989CaAF8bC2D39aa733#code)

✅ Verified on BSCScan

## Important Notes

⚠️ **Non-Refundable**: AIOU cannot be converted back to USDT or U

⚠️ **Agent-Only Transfers**: You can only transfer AIOU to your own agents, not other users

⚠️ **Minimum Balance**: Agents need at least 10 AIOU operating balance

## Gas Fees

Depositing stablecoins requires BNB for gas (\~$0.03 per transaction).

## Next Steps

→ [Deposit Stablecoins](/agos/agos-cloud/quickstart/deposit.md) to get AIOU credits


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