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Surf Lending
Surf Lending
SURFLending
Audited
DeFiLlama Lending·$2.8M TVL·+0.37% 1h·+1.09% 24h·+6.39% 7d·$1.1M MCap

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Protocol TVL

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About Surf Lending

Surf Lending is a capital-efficient pooled lending protocol enabling investors to earn interest and borrowers to obtain instant loans on Cardano

Description sourced from DeFiLlama's protocol metadata; teams submit their own copy when listing.

Surf Lending tokenomics and on-chain capital

Surf Lending's governance or utility token carries a market capitalisation of $1.1M based on circulating supply at the latest DeFiLlama snapshot. Token market cap ($1.1M) and TVL ($2.8M) trade close together, giving a mcap/TVL multiple of 0.41× — broadly the range market participants treat as "fair" for an established DeFi protocol.

Token market cap
$1.1M
Circulating supply × price
Mcap / TVL ratio
0.41×
Valuation vs deposits

Market cap and supply figures are sourced from DeFiLlama's price feed (which reconciles CoinGecko, CoinMarketCap, and on-chain DEX prices). Treasury and staking values reflect on-chain balances controlled by the protocol at last sync.

Security & Audits

Surf Lending Timeline

Major events flagged by the DeFiLlama community — protocol launches, exploits, governance changes, and incentive programs.

  1. Jul 29, 2025
    Listed on DeFiLlama

Protocol Profile

Surf Lending is a Lending protocol that lets users supply assets as collateral, borrow against them, and earn interest from borrowers paying variable or stable rates. It is deployed on Cardano. The codebase has been independently audited (1 report on file).

TVL Distribution by Chain

Cardano
$2.8M(100.0%)

Supported Chains

Cardano

Protocol Footprint

Surf Lending is a single-chain protocol, deployed exclusively on Cardano — this concentrates execution risk but simplifies the trust model. Only one audit report is currently listed; users should weigh that against the protocol's TVL before depositing significant amounts. Token market cap ($1.1M) and TVL ($2.8M) trade at a ratio of 0.41, in the range generally considered normal for an established DeFi protocol.

Official Resources & Links

Verified external resources for Surf Lending — use these to read the source code, follow governance discussions, or cross-check on-chain data against the original team's channels.

Project Website
surflending.org
Twitter / X — @surfcardano
twitter.com
Source Code on GitHub
github.com
Token on CoinGecko
coingecko.com

Other Lending protocols on Mantapex

Surf Lending is one of 7 Lending protocols Mantapex tracks in this category. Direct peers ranked by total value locked include Aave V3, Morpho V1, JustLend, and 3 more. These peer protocols collectively secure $43.4B in deposits, giving you a frame of reference for whether Surf Lending's own TVL is at the top, middle, or tail of the category.

Aave V3
Aave V3
TVL $26.2B · 24h +0.16%
Morpho V1
Morpho V1
TVL $7B · 24h +0.57%
JustLend
JustLend
TVL $3.4B · 24h +1.86%
Maple
Maple
TVL $2.4B · 24h -1.17%
SparkLend
SparkLend
TVL $2.2B · 24h +3.62%
Kamino Lend
Kamino Lend
TVL $2.1B · 24h -0.02%
Browse all Lending protocols on Mantapex

Recent Surf Lending news

Latest reporting from major crypto news outlets covering Surf Lending.

Related protocols

Other DeFi protocols connected to Surf Lending by category, deployment chain, or shared codebase lineage — useful for comparing TVL, fee models, or audit posture across direct peers.

Risk Warning

DeFi protocols carry inherent risks including smart contract vulnerabilities, liquidity risks, and potential loss of funds. Always do your own research before investing.

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