# SurfLiquid
#### The platform for non-custodial, automated savings with deterministic control.
SurfLiquid is the on-chain savings and execution platform behind Surf. Since launch in September 2025, the platform has processed $13.1M+ in capital optimised across 6,646+ on-chain agent actions, serving 231 users with $294K+ in TVL across Base and Polygon.
Surf is the AI-run on-chain savings layer built on user-owned vaults. It helps users earn yield on stablecoins and digital assets while keeping full custody, transparency, and withdrawal control at all times.
The name SurfLiquid reflects what the system does: it helps capital surf liquidity across approved on-chain venues and, where needed, across chains, without breaking the user’s custody boundary.
SurfLiquid brings together three things that usually do not coexist:
* AI-run optimisation
* Non-custodial user ownership
* Hard, rule-based safety and control
Built on zkCross Network’s execution infrastructure, SurfLiquid introduces a new standard for how intelligent systems can interact with real capital.
### Meet Surf
The AI-run savings layer behind SurfLiquid
Surf is the AI-run layer that plans, simulates and optimises vault allocation across approved on-chain venues. It operates through a 7-step execution flow: Observe, Analyse, Simulate, Propose, Verify, Execute, Monitor. Most proposed actions are discarded during simulation. The system is patient, cost-sensitive and risk-aware. Most of the time, the best action is no action.
#### What Surf Supports Today
**Lending Vaults**: Stablecoin, ETH and BTC lending across approved venues like Morpho, Aave and Compound. Capital preservation first, then net yield.
**Liquidity Vaults:** Automated CLMM range management. Evaluates 1M+ parameter combinations per optimisation cycle with Guardian-enforced exposure caps and volatility circuit breakers.
**Prediction Vaults:** Automated prediction market execution on Polymarket via per-user proxy wallets. Currently in R\&D with launch planned for later this year.
All vaults charge a 10% performance fee on profit only. No management fees. Every vault action requires $SURF tokens for execution, purchased automatically when users deposit.
#### Its role is to:
* Continuously scan markets
* Evaluate risk and liquidity
* Optimise for best risk-adjusted yield
* Propose rebalances and vault shifts
But Surf does not have custody.\
Surf does not have discretionary power.\
Surf cannot move funds freely.
Every action proposed by Surf is enforced by the Guardian Layer, a deterministic control system that defines:
* Where funds can go
* How much exposure is allowed
* What risks are acceptable
* When execution must stop
In simple terms:
Surf thinks.\
Guardian decides.\
User owns.
This separation between intelligence and execution authority is what makes SurfLiquid safe to automate at scale. With 127K+ $SURF in treasury buybacks already executed from performance fees, the flywheel between product revenue and token demand is live.
---
# Agent Instructions: Querying This Documentation
If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question.
Perform an HTTP GET request on the current page URL with the `ask` query parameter:
```
GET https://surf-2.gitbook.io/surfliquid-docs/surfliquid.md?ask=
```
The question should be specific, self-contained, and written in natural language.
The response will contain a direct answer to the question and relevant excerpts and sources from the documentation.
Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.