Ask about Surf Lending · freeTotal Value Locked$2.93m
TVL by Chain
Cardano$2.93m
Key Metrics
Market Cap$1.24m
$SURF Price$0.062
Fully Diluted Valuation$1.55m
$SURF Volume 24h$5,333
CEX Volume$0
DEX Volume$5,314(99.64% of total)
Protocol Information
Surf Lending is a capital-efficient pooled lending protocol enabling investors to earn interest and borrowers to obtain instant loans on Cardano
Audits:
Methodology
TVL: Total value of all coins held in the smart contracts of the protocolView code on GitHubHacks
Date: Aug 23, 2026
Amount: $0
Classification: Key Compromise
Technique: Private Key Compromised
A machine with access to Surf Lending’s admin key was compromised. According to Surf’s lead developer, the incident was not caused by a smart-contract bug. Surf placed the protocol into maintenance mode, temporarily migrated user vaults and supplied assets to its multisig treasury wallet, and began migrating the V1 contracts while rebuilding the affected infrastructure in a more secure environment. Surf subsequently described the event as a security incident and prioritized restoring V1
Chains: Cardano
Language: Aiken
Target Type: DeFi Protocol
Competitors
Surf Lending history
TVL is the default DefiLlama definition. Daily values are UTC snapshots from Jul 29, 2025 to Nov 6, 2026.
All-time high TVL: $12.2m on Sep 14, 2025. All-time low TVL: $2.15m on Mar 31, 2026.
Daily TVL, Oct 8, 2026 to Nov 6, 2026
| Date | TVL |
|---|---|
| Oct 8, 2026 | $3.84m |
| Oct 9, 2026 | $3.52m |
| Oct 10, 2026 | $3.81m |
| Oct 11, 2026 | $3.95m |
| Oct 12, 2026 | $3.94m |
| Oct 13, 2026 | $3.57m |
| Oct 14, 2026 | $3.73m |
| Oct 15, 2026 | $3.72m |
| Oct 16, 2026 | $3.67m |
| Oct 17, 2026 | $3.64m |
| Oct 18, 2026 | $3.46m |
| Oct 19, 2026 | $3.5m |
| Oct 20, 2026 | $3.48m |
| Oct 21, 2026 | $3.63m |
| Oct 22, 2026 | $3.63m |
| Oct 23, 2026 | $3.47m |
| Oct 24, 2026 | $3.39m |
| Oct 25, 2026 | $3.23m |
| Oct 26, 2026 | $3.19m |
| Oct 27, 2026 | $3.22m |
| Oct 28, 2026 | $3.25m |
| Oct 29, 2026 | $3.2m |
| Oct 30, 2026 | $2.93m |
| Oct 31, 2026 | $3.03m |
| Nov 1, 2026 | $2.98m |
| Nov 2, 2026 | $3.02m |
| Nov 3, 2026 | $2.92m |
| Nov 4, 2026 | $2.91m |
| Nov 5, 2026 | $3.03m |
| Nov 6, 2026 | $2.92m |
TVL at each month end, Jul 2025 to Nov 2026
| Date | TVL |
|---|---|
| Jul 30, 2025 | $3.71m |
| Aug 31, 2025 | $9.14m |
| Sep 30, 2025 | $10.87m |
| Oct 31, 2025 | $6.96m |
| Nov 30, 2025 | $5.36m |
| Dec 31, 2025 | $4.18m |
| Jan 31, 2026 | $3.1m |
| Feb 28, 2026 | $2.73m |
| Mar 31, 2026 | $2.15m |
| Apr 30, 2026 | $2.23m |
| May 31, 2026 | $4.19m |
| Jun 30, 2026 | $3.36m |
| Jul 31, 2026 | $2.91m |
| Aug 9, 2026 | $3.32m |
| Sep 30, 2026 | $3.59m |
| Oct 31, 2026 | $3.03m |
| Nov 6, 2026 (latest) | $2.92m |
The .csv export on the chart above downloads every daily value. The same data is in the public API: https://api.llama.fi/protocol/surf-lending
Frequently asked questions
What is Surf Lending's TVL?
As of Nov 6, 2026, Surf Lending has $2.93m in total value locked. TVL has decreased 25.1% over the past 30 days.
What chains does Surf Lending operate on?
Surf Lending operates on Cardano. Cardano holds the largest share at 100%.
What is the SURF token price and valuation?
SURF is currently trading at $0.062. Its circulating market capitalization is $1.24m, ranking it #3,362. Its fully diluted valuation is $1.55m. Supply currently stands at 20m circulating, 25m total supply, 25m maximum supply.
How has SURF performed recently?
SURF is up 8.1% over the past 7 days and down 25.2% over the past 30 days. Its all-time high is $0.61, reached on Jul 20, 2025. The token is currently 89.8% below that level.
How does Surf Lending's TVL compare to similar protocols?
Among Lending protocols tracked by DefiLlama, Surf Lending ranks #94 by TVL. The category holds $50.062b across 518 protocols, and Surf Lending accounts for <0.1% of that total. Similar protocols include Templar Lending, Liqwid, FluidTokens, Lenfi, Yamfore, CherryLend, Lending Pond, Cerra, Meld, and Aave V3.
Has Surf Lending ever been exploited?
Surf Lending has 1 recorded security incident. The most recent incident occurred on Aug 23, 2026 and involved $0. It was classified as Key Compromise.