# Deposit stablecoins for AIOU

Fund your AGOS Cloud account with AIOU credits using USDT or U (United Stables).

## Minimum Deposit

To deploy your first agent, you need at least **10 AIOU**:

* ~~29 AIOU~~ **FREE** - Setup fee (limited time promotion for 2 weeks)
* 10 AIOU - Minimum operating balance

## Supported Stablecoins

AGOS Cloud now supports multiple stablecoins for deposit:

| Token    | Standard | Notes                       |
| -------- | -------- | --------------------------- |
| **USDT** | BEP-20   | Tether USD on BNB Chain     |
| **U**    | BEP-20   | United Stables on BNB Chain |

Both tokens are accepted at a **1:1 rate** for AIOU minting.

## Prerequisites

* Web3 wallet connected
* USDT or U (BEP-20) on BNB Chain
* Small amount of BNB for gas (\~$0.03)

## Step-by-Step

### 1. Go to Deposits

Navigate to **Finance → Deposits** in the sidebar.

### 2. View Your Balances

| Balance          | Description                 |
| ---------------- | --------------------------- |
| **USDT Balance** | Your wallet's USDT (BEP-20) |
| **U Balance**    | Your wallet's U (BEP-20)    |
| **AIOU Balance** | Platform credits available  |

### 3. Select Stablecoin

Choose which stablecoin to deposit:

* **USDT** - Toggle to USDT
* **U** - Toggle to U (United Stables)

### 4. Enter Deposit Amount

In the **"Deposit → AIOU"** section:

* Enter amount in your selected stablecoin
* Or click presets: 25%, 50%, 75%, MAX
* See equivalent AIOU you'll receive

### 5. Confirm Deposit

Click **"Deposit"** button (becomes active with valid input).

Your wallet will prompt you to:

1. **Approve** token spending (one-time per session)
2. **Confirm** the deposit transaction

### 6. Wait for Confirmation

* Transaction submits to BSC
* Usually confirms within 10-30 seconds
* AIOU minted automatically after confirmation

### 7. Check Balance

Your AIOU balance updates in the top navigation bar.

## Exchange Rate

| Rate                | Notes               |
| ------------------- | ------------------- |
| **1 USDT = 1 AIOU** | Fixed 1:1 peg       |
| **1 U = 1 AIOU**    | Fixed 1:1 peg       |
| **Network**         | BNB Chain (BSC)     |
| **Gas Fee**         | \~$0.03 paid in BNB |

## What is AIOU?

AIOU is a USD-pegged platform credit:

* Used to pay for VPS hosting
* Used for LLM API calls
* **Non-refundable** - cannot convert back to stablecoins
* Can only transfer to your own agents

### Verified Contract

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

✅ Verified on BSCScan

## Important Notes

⚠️ **Deposits are final** - AIOU cannot be withdrawn

⚠️ **Plan ahead** - Only deposit what you intend to use

⚠️ **BNB for gas** - Ensure you have BNB for transaction fees

⚠️ **BEP-20 only** - Ensure your tokens are on BNB Chain (not ERC-20 or other networks)

## Deposit Limits

| Limit       | Amount                                           |
| ----------- | ------------------------------------------------ |
| **Minimum** | No strict minimum (but 10 AIOU needed to deploy) |
| **Maximum** | Subject to platform limits                       |

## Troubleshooting

### Transaction Fails

* Check BNB balance for gas
* Verify tokens are BEP-20 (not ERC-20)
* Try smaller amount

### AIOU Not Received

* Wait for BSC confirmation (may take 1-2 minutes)
* Refresh the page
* Check transaction hash on BSCScan

## Next Steps

→ [Deploy Your First Agent](/agos/agos-cloud/quickstart/deploy-agent.md)


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