Packaging chip and USB flash disk

The utility model discloses a packaging chip and a USB flash disk, and relates to the technical field of storage. The packaging chip comprises a chip substrate, the chip substrate comprises a power input end, the chip substrate is provided with a main control module, a flash memory module and a first direct current-direct current module, the main control module is connected with the flash memory module and the first direct current-direct current module, the main control module comprises a low-voltage input pin, and the low-voltage input pin is connected with the flash memory module and the first direct current-direct current module. The input end of the first DC-to-DC module is connected with the power supply input end, and the output end of the first DC-to-DC module is connected with the low-voltage input pin; the input voltage of the low-voltage input pin is smaller than the output voltage of the power supply input end; according to the application, the first DC-DC chip is arranged, so that the problem that