Horizon - Lending Markets

Your intelligent Stablecoin Yield Optimisation Strategy

SurfLiquid offers multiple strategy options to cater to different user preferences and risk profiles. Each strategy is essentially a preset game plan that the AI agent will follow to earn yield. Initially, the SurfLiquid platform is launching with two core strategies, each of which has its own section below. You can select one or even split funds between both, and the agent will manage each portion separately according to its strategy rules.

Horizon - Stablecoin Lending Optimiser

Horizon is engineered for users seeking low-risk, predictable returns on stablecoins. The Surf agent leverages automated optimisation algorithms to actively allocate your stables (USDC, USDT) across integrated lending protocols including Aave, Compound, Sky, Euler, Pendle, Fluid, Seamless, Moonwell and Morpho—operating on Base, Ethereum, and other EVMs, L1s and L2s.

How the Logic Works:

• Real-Time Data Aggregation: The agent scrapes on-chain APRs and reward token incentives from all integrated lending pools at defined intervals.

• Profitability Heuristics: For each pool, the agent computes Net Effective Yield as: Net APR = (Base Interest + Token Incentives) - (Expected Gas + Swap Costs)

• Rebalancing Algorithm:

  • If the difference between the current and best available Net APR exceeds a predefined rebalance threshold (e.g., >0.5% net gain after gas), the agent triggers a rebalance.

  • if (NewNetAPR - CurrentNetAPR) > Threshold and (ExpectedProfit > TransactionCost): rebalance()

  • All rebalancing operations use on-chain multicall batching to minimise gas and slippage.

• Auto-Compounding Logic:

  • Reward tokens (e.g., COMP, AAVE, MORPHO) are harvested at optimal intervals (based on accrued rewards vs. gas cost).

  • Harvested rewards are immediately swapped (via DEX aggregation) into your base stablecoin and compounded into the principal.

  • Compounding triggers are dynamic, adjusting to account value, gas price, and pool yield volatility.

Smart Swaps & Multi-Stable Support: If a USDC deposit could earn a higher yield than USDT in another protocol, the agent simulates the swap (using DEX price feeds and slippage control).

• Only if: ((TargetNetYield - SourceNetYield) * ExpectedDuration) > SwapCost Will it execute the cross-stable reallocation.

• Upon exit, the system unwinds all positions and converts any other stablecoin holdings or reward tokens back to your original stablecoin for predictable withdrawal.

Risk Management: Horizon only interacts with battle-tested, audited protocols and never chases unaudited “degen” yields. The logic includes continuous health checks of protocol TVL and contract status, with emergency pause if unusual activity is detected. The main risks are limited to protocol bugs or rare stablecoin depeg events.

In summary, Horizon Strategy is a fully automated, on-chain lending optimiser that uses continuous data feeds, profit-aware rebalancing, and dynamic compounding to maximise yield, delivering a seamless, high-yield savings account experience in DeFi, while keeping technical complexity under the hood.