> For the complete documentation index, see [llms.txt](https://surf-2.gitbook.io/surfliquid-docs/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://surf-2.gitbook.io/surfliquid-docs/sdk-docs/what-is-surf-sdk.md).

# What is Surf SDK

**Surf SDK lets businesses embed Surf's non-custodial, AI-run savings infrastructure directly into their own applications.**

Your users deposit funds, Surf AI manages those funds across approved on-chain opportunities, and your business earns a share of the performance fees generated. The user retains full custody at all times.

In practice, a partner installs one TypeScript package, and gains everything needed to onboard users, manage their funds, and report on their performance through a single, typed client.

***

### Who is Surf SDK for

Surf SDK is built for any product that wants to offer automated, on-chain savings without building the infrastructure from scratch:

* **Fintech applications** looking to add savings features to their product
* **Wallets** that want to offer returns on idle balances
* **Neobanks and financial platforms** seeking non-custodial savings products
* **Crypto platforms** that want managed vault infrastructure with full transparency

***

### What partners get

**For your users:**

* A personal smart contract vault deployed on their first deposit. Funds never co-mingle with other users.
* Automated portfolio management by Surf AI across approved venues
* Full on-chain transparency. Every action is logged and verifiable.
* Instant withdrawals at any time, no lockups

**For your business:**

* Revenue share on performance fees, negotiated per partner
* Real-time analytics: protocol stats, user positions, earnings and fee reporting
* White-label customisation to match your brand identity
* A partner dashboard at sdk.surfliquid.com for credentials and monitoring

***

### Three integration paths

Surf SDK offers three ways to integrate, depending on how much control you need over the user experience.

<table><thead><tr><th width="150.83203125">Path</th><th width="245.25390625">Package</th><th>What it gives you</th></tr></thead><tbody><tr><td><strong>Widget</strong></td><td><code>@surf_liquid/surf-widget</code></td><td>A drop-in React component. Full savings experience in minutes.</td></tr><tr><td><strong>Headless SDK</strong></td><td><code>@surf_liquid/core-sdk</code></td><td>Programmatic TypeScript SDK. Build your own UI with hooks.</td></tr><tr><td><strong>REST API</strong></td><td><code>api.surfliquid.com</code></td><td>Server-side endpoints for dashboards, reporting and analytics.</td></tr></tbody></table>

The widget is built on top of the core SDK. You can use the widget for a quick integration, the core SDK for a fully custom interface, or the REST API for backend reporting. All three work together.

***

### How the pieces connect

```
Your Application
  |
  |-- @surf_liquid/surf-widget     <-- Drop-in React UI
  |     '-- uses @surf_liquid/core-sdk internally
  |
  |-- @surf_liquid/core-sdk        <-- Programmatic SDK (TypeScript)
  |     '-- talks to Surf API + on-chain contracts
  |
  '-- REST API                     <-- Server-side reporting
        '-- api.surfliquid.com/api/sdk/public/*
```

***

### The same principles, extended to partners

Surf SDK inherits the same architecture that powers Surf directly:

* User-owned vault isolation. One smart contract per user.
* Surf AI proposes. Guardian Layer enforces. User owns.
* Deterministic control rules govern every capital movement.
* All execution is on-chain, transparent and verifiable.

The only difference is that the user's journey begins inside your product instead of Surf's own interface.