# Aave proposes USDai and sUSDai onboarding on Arbitrum

> A concrete pathway was proposed for Aave to accept exposure connected to the rejected USD.AI credit product, requiring cross-memo review before any implementation.

- URL: https://riadefi.com/on-chain/2026-07-20-aave-v3-arbitrum-usdai-susdai-arfc/
- Type: Economic change
- Stage: Proposed
- Evidence: confirmed
- Materiality: material
- Event date: 2026-07-20
- Version: 1, published 2026-08-22 (first published 2026-08-22)
- Follow-up: 2026-07-27
- Advisor-relevant: no
- Affects: Aave v3 (protocol); USD.AI (sUSDai) (asset)

## What happened

An Aave ARFC proposed onboarding USDai and sUSDai to the Arbitrum V3 instance with supply caps, a USDai borrow cap, CAPO settings, and isolated E-mode collateral configurations.

## What changed

A concrete pathway was proposed for Aave to accept exposure connected to the rejected USD.AI credit product, requiring cross-memo review before any implementation.

## What did not change

The ARFC did not execute an AIP, activate either reserve, extend Ketju approval to the assets, or establish that the proposed parameters became operative.

## Confirmed

- The proposal specifies 55 million supply caps for both USDai and sUSDai.
- It specifies a 45 million borrow cap for USDai.
- The proposed sUSDai/USDai E-mode uses 89% LTV and a 91% liquidation threshold.
- The proposed sUSDai stablecoin E-mode uses 88% LTV and a 90% liquidation threshold.
- The proposal says a successful ARFC would require a later AIP for final confirmation and enforcement.

## Still open

- The ARFC vote result and any subsequent AIP or execution are not established.
- The proposal's top-level borrowability table conflicts with its borrow-cap and E-mode specifications for USDai.
- No executed reserve configuration, oracle address, liquidity assessment, or deployed CAPO configuration is supplied.

## What it means for an advisor

- Review the Aave v3 memo for potential leakage of rejected USD.AI credit exposure through collateral and E-mode pathways.
- Keep USDai and sUSDai outside approved Aave allocations unless a later executed payload receives asset-specific review.
- Reconcile the contradictory borrowability specifications before evaluating any final AIP.

## Sources

1. [[ARFC] Onboard USDai & sUSDai to Aave V3 Arbitrum Instance](https://snapshot.org/#/aavedao.eth/proposal/0xea4a214958299ff36fb85c53cf2f727ce2df3e145279e8f6bef6766f26297d76) · Aave DAO via Snapshot · 2026-07-20


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Published by Ketju Research on RIADeFi (https://riadefi.com). Educational research for financial professionals; not investment, legal, tax, or compliance advice.