One deposit. Multiple strategies. You hold the keys. Withdraw anytime.
Guardian Protected
Your custody
No lock-up
Designed to be effortless. All the complexity happens inside the vault.
STEP 01
Deposit
My Vault
0x7a3c...f49e
$12,847
USDC
Isolated · No co-minglingDeposit
You deposit into your own isolated vault contract. No pooling. No lock-ups.
STEP 02
AI Optimises
Guardian approved · executingAI Optimises
Surf AI continuously scans lending and liquidity venues. It proposes the best allocation. The Guardian Layer checks every rule before anything moves.
STEP 03
Earn + Withdraw
Performance fee
10% on profit
Lock-up
None
Earn and Withdraw
Returns accrue in your vault. Withdraw anytime. Fee on profits only.
Choose a vault type. Surf handles the rest - scanning, allocating, rebalancing.
Lending Vaults
Capital preservation first, then net yield. Stablecoin, ETH and BTC lending. Only rebalances when improvement is material and costs justified.
Conservative
Risk
Daily
Rebal.
Fee on profits only
Liquidity Vaults
Active liquidity vaults that generate trading fees through automated market making. Multi-band liquidity management with Guardian-enforced exposure caps.
Moderate
Risk
On-range
Rebal.
Guardian-enforced caps
Prediction Vaults
Automated prediction market execution. Surf analyses markets, sizes positions and manages risk through your own vault.
Variable
Risk
3+
Chains
Bridge validation enforced
Intelligence proposes, Guardian enforces and you own everything. No exceptions.
User-Owned Vaults
One smart contract per user. Funds isolated.
AI Allocation Engine
Scans venues, scores by risk-adjusted return, proposes actions.
Guardian Layer
Deterministic rules. Any violation = action rejected. No overrides.
"Surf thinks. Guardian decides. You own."
Proposed Action
Move 27% from Aave → Morpho
+0.9% APY improvement · Score 91
$12,847
0x7a3c...f49e · CREATE2
6.4% APY
↑ 0.9% today
You are the sole beneficiary · Isolated
10% performance fee. No management fees.
No profit, no fee
Performance Fee
If you don't profit, we don't charge.
Management Fee
No fee on capital. Ever.
Lock-up Period
Funds are yours. Always.
Entry / Exit Fee
Gas costs only.
Deposit once. Let Surf do the work. Withdraw whenever you want.