Borrow, Lend, and Leverage on Cardano
Surf is a capital-efficient pooled lending protocol enabling investors to earn interest and borrowers to obtain instant loans on Cardano.
0 ADA
Total Value Locked
0 ADA
Total Borrowed
Top Pool APY
Why Choose Surf for Lending and Borrowing?
A modern lending protocol offering the best experience for both lenders and borrowers on Cardano.
Secure & Audited
Protocol built with security-first approach and thoroughly audited by leading blockchain security firms.
Competitive Rates
Earn higher interest rates as a lender or get the best borrowing rates in the Cardano ecosystem.
Surf Lending Pool
External Layer
Stablecoin PoolCommunity Governed
Fully decentralized protocol governed by the community through transparent on-chain governance.
List ASCEND and PULSE
Instant Liquidity
Access your funds instantly with no lock-up periods or get loans without lengthy approval processes.
YOU PAY
1,000
YOU GET
~4,120
Self-Custody
Maintain control of your assets with non-custodial smart contracts powered by Cardano.
Dynamic Rates
Algorithm automatically adjusts interest rates based on market demand to optimize capital efficiency.
How Surf Works
A streamlined experience designed for both novice and experienced users.
Connect Your Wallet
Connect your Cardano wallet to the Surf protocol platform with a simple click.
Deposit Assets
Deposit your assets into the lending pool to earn interest.
Earn or Borrow
Start earning interest on your deposits, or borrow assets against your collateral.
Manage Your Position
Monitor your position, repay loans, or withdraw your assets at any time.
Ready to get started with Surf?
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