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.
Widget
@surf_liquid/surf-widget
A drop-in React component. Full savings experience in minutes.
Headless SDK
@surf_liquid/core-sdk
Programmatic TypeScript SDK. Build your own UI with hooks.
REST API
api.surfliquid.com
Server-side endpoints for dashboards, reporting and analytics.
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
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.
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