Ask about Surf Lending · freeTotal Value Locked$3.21m
TVL by Chain
Cardano$3.21m
Key Metrics
Market Cap$1.23m
$SURF Price$0.061
Fully Diluted Valuation$1.53m
$SURF Volume 24h$21,184
CEX Volume$0
DEX Volume$21,154(99.86% 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
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 Oct 26, 2026.
All-time high TVL: $12.2m on Sep 14, 2025. All-time low TVL: $2.15m on Mar 31, 2026.
Daily TVL, Sep 27, 2026 to Oct 26, 2026
| Date | TVL |
|---|---|
| Sep 27, 2026 | $3.74m |
| Sep 28, 2026 | $3.64m |
| Sep 29, 2026 | $3.55m |
| Sep 30, 2026 | $3.59m |
| Oct 1, 2026 | $3.74m |
| Oct 2, 2026 | $3.72m |
| Oct 3, 2026 | $3.62m |
| Oct 4, 2026 | $3.67m |
| Oct 5, 2026 | $3.77m |
| Oct 6, 2026 | $4.14m |
| Oct 7, 2026 | $3.91m |
| 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 |
TVL at each month end, Jul 2025 to Oct 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 26, 2026 (latest) | $3.19m |
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 Oct 26, 2026, Surf Lending has $3.21m in total value locked. TVL has decreased 9.4% 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 $0.061. Its circulating market capitalization is $1.23m, ranking it #3,208. Its fully diluted valuation is $1.53m. Supply currently stands at 20m circulating, 25m total supply, 25m maximum supply.
How has SURF performed recently?
SURF is down 16.4% over the past 7 days and down 32.2% over the past 30 days. Its all-time high is $0.61, reached on Jul 20, 2025. The token is currently 89.9% below that level.
How does Surf Lending's TVL compare to similar protocols?
Among Lending protocols tracked by DefiLlama, Surf Lending ranks #95 by TVL. The category holds $52.234b across 518 protocols, and Surf Lending accounts for <0.1% of that total. Similar protocols include Templar Protocol, 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.