USDI is initiated by the TDM Fund, combining stablecoin and wealth management features into one decentralized finance application based on smart contracts that are pegged to the USDT stablecoin. Users generate USDI by cross-chain staking their USDT through smart contracts. USDI is 1:1 pegged with USDT and generates income by being lent to accredited institutions, which is steadily returned to USDI holders. Each USDI is backed by NULS of equal value at a ratio of 120%. USDI possesses the tradable attributes of a stablecoin while also offering the ability to generate interest in wealth management, supporting instant exchanges and flexible redemptions. Holding USDI allows you to enjoy an annualized wealth management return of 5.2% plus the highest NULS mining reward of up to 1.2 times, or an annualized basic wealth management return of 10.4%.