GPU Collateral Calculator
Compute-Backed Borrowing Power 2026
Your compute credits are now an asset class. Calculate collateral value of GPU reserves, cloud credits, sovereign compute -- unlock Machine Economy borrowing power.
Tool #3 of the Algorithmic Survival Hub. Compute Pillar Trinity complete: CDIR + ACS + CBBP. Part of 116+ free tools for the new economy.
GPU Collateral Calculator
Enter your compute positions. See your Compute-Backed Borrowing Power and collateral grade.
GPU Type
Cloud Provider
Data Center Region
Prepaid Credits
$47,000Total prepaid GPU/cloud credits across all positions
Contract Duration
12 moLength of your compute contract or reservation
Monthly Usage
320 hrsAverage monthly GPU hours consumed
Depreciation Curve
3/5GPU depreciation speed (1 = slow, 5 = rapid Moore's Law erosion)
Market Volatility
4/5GPU pricing instability (1 = stable, 5 = pricing war chaos)
Sovereign Compute Multiplier
1xSovereign/staked compute credits multiplier (0 = none, 10 = max)
Utilization Rate
72%Percentage of prepaid GPU time actually consumed
CBBP
$9,263
Grade
D
Residual
$14,257
Utilization
72%
GPU Collateral Calculator -- Frequently Asked Questions
What is compute-backed collateral?
Compute-backed collateral treats prepaid GPU credits, cloud reservations, and sovereign compute positions as financial assets with measurable residual value. Just as real estate backs traditional mortgages, GPU credits can back Machine Economy borrowing as the compute asset class matures.
Can GPU credits really be used as assets?
Yes. Prepaid GPU credits on platforms like Lambda, AWS, and Azure have measurable residual value determined by contract duration, depreciation curve, and market demand. As compute becomes essential infrastructure, these credits function like digital commodities with collateral characteristics.
What is ASC-606 treatment for GPU credits?
ASC-606 (Revenue from Contracts with Customers) provides the accounting framework for recognizing the value of prepaid compute credits over time. The calculator models depreciation curves, residual value retention, and contract amortization schedules following these principles.
What is the sovereign compute multiplier?
The sovereign compute multiplier represents additional collateral value from staked or sovereign-controlled compute resources. When you stake compute credits in decentralized infrastructure, the additional yield and control premium can multiply your base collateral value by 1.5-10x.
How can I improve my collateral grade?
Focus on five levers: increase prepaid credit volume, extend contract duration for better residual curves, maximize utilization rate above 70%, choose providers with high settlement stability, and stake sovereign compute credits for multiplier bonus.
How do CDIR, ACS, and CBBP work together?
CDIR measures compute debt-to-income ratio (can you afford your AI usage?). ACS measures agent swarm creditworthiness (are your agents reliable?). CBBP measures your compute collateral value (what can you borrow against?). Together they form the Compute Pillar Trinity.
How do depreciation curves affect collateral?
GPU depreciation follows Moore's Law acceleration. H100 credits purchased today may lose 15-40% value within 18 months as H200 and next-gen chips arrive. The calculator models 5 depreciation speeds from slow to rapid erosion.
Do cloud providers affect collateral value?
Significantly. Lambda offers GPU-optimized pricing with 20% higher collateral grades on H100 credits. AWS and GCP provide enterprise-grade settlement infrastructure. Azure adds enterprise SLA premiums. The calculator weights each provider differently.