SurfLiquid

AI-run on-chain savings infrastructure | Surf 4.0 currently live on Base, Ethereum and Polygon

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, Ethereum 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.

Surf runs as Surf AI, a verifiable agent registered under ERC-8004 and live on Ethereum, Base and Polygon, so its identity, capabilities and behaviour can be inspected on-chain by anyone rather than taken on trust.

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.