SurfLiquid 🌊

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SurfLiquid 🌊

SurfLiquid 🌊

@Surf_Liquid

An AI-run on-chain savings account for crypto assets. Non-custodial. Withdraw anytime. $SURF 👉 Start here: https://t.co/dEDBOc9zcR 💬 Surf Family: https://t.co/RenMOxAeno

Universe Katılım Temmuz 2025
228 Takip Edilen1.8K Takipçiler
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SurfLiquid 🌊
SurfLiquid 🌊@Surf_Liquid·
Our founder @shivamtas just dropped the full breakdown of what we have been building for the last six weeks. The AI that trades @Polymarket sports markets so you don't have to. 605 paper trades. Three strategies. All profitable. This is Surf Prediction Vaults. Read the whole thing.
Shivam Tandon@shivamtas

We built @Surf_Liquid AI that trades @Polymarket sports markets while you sleep. Six weeks. 34 upgrades. 605 paper trades. All three strategies profitable. +$3,737 in returns. Here's what it actually does: → Listens to live score data from every match on Polymarket simultaneously → Runs sport-specific probability models on every single score change → Finds the moments when the market hasn't repriced fast enough → Executes before the odds catch up → Tennis modelled point by point. Soccer is modelled by goal rate. Hockey and basketball are built differently. → One generic model doesn't survive contact with real sports. So we built one engine per sport. Three strategies. One AI. Three risk levels: 1. Conservative: strictest signals, lowest drawdown. Your money is treated like savings. 2. Active: wider signal range, more trades, more upside, more variance. 3. Calibrated: the interesting one. Same signals as Active, but every probability runs through a self-correction layer first. If the model says 80% but history says 73%, it trades the 73. Gets smarter every day. Here's the part I want to talk about. In late April, we caught ourselves inflating our P&L. The bot was assuming fills at the quoted price. Real markets don't work that way. You walk the order book. Every batch fills worse than the last. We shipped an honest fill simulation. Our paper P&L dropped meaningfully the same day. That drop is the entire point. If your simulated fills are better than your real fills will ever be, you're flattering yourself. Then last Tuesday we found a bug. A safety mechanism in the hedging path had been failing silently for weeks. Hundreds of failures per day. None flagged. None surfaced. The system was profitable anyway. That sentence bothers me more than the bug itself. Good performance hiding a broken safety system is exactly what kills strategies three months from now. We fixed it. Wired up a live monitor that fires the moment the hedge's success rate drops below the threshold. This is Surf Prediction Vaults. You deposit stables. Pick a risk level. The AI does the rest. You never touch Polymarket. Sports is live. The weather is next. Crypto follows. Building this in the open. The good weeks and the bad ones. The wins and the bugs were caught silently for a month. If you trade prediction markets or build in this space, I want to hear the strongest argument against what we're doing. Full write-up with the architecture, the Guardian Layer, the numbers and the path to real capital: x.com/shivamtas/stat…

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SurfLiquid 🌊
SurfLiquid 🌊@Surf_Liquid·
Something simple shipping next week. The savings interface stays the same. The places your money can work just got one bigger. The chain everyone uses, but nobody offers a clean savings layer for. Next week.
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SurfLiquid 🌊
SurfLiquid 🌊@Surf_Liquid·
What's shipping at Surf in the next two weeks. Founder's update.
Shivam Tandon@shivamtas

Building in the open. Here is what is shipping at @Surf_Liquid in the next two weeks. Three things, in order. One. ERC-8004 is done. Surf AI is registered on Base and Polygon as a Trustless Agent. Identity, declared capabilities, and on-chain behaviour are all queryable on-chain by anyone. The standard for AI agents in finance is no longer a slogan, it is a registry you can read. The listings sit at @8004_scan. Anyone can verify what the agent is, what it claims to do, and what it has actually done. Two. Surf on the Ethereum mainnet in days. The agent routes through Morpho V2 vaults, curated by Steakhouse Financial, Gauntlet, Apostro, MEV Capital and a handful of others. Three chains under one balance now: @base, @0xPolygon, and @ethereum. Same one-click deposit, same withdraw anytime, a bigger pool of places where the agent can place the saver's money. Ethereum is where the deepest stablecoin lending liquidity sits today and where institutional dollars already settle, which is why the rate-discovery process clears higher there. Three. The SDK ships right after Ethereum. Two npm packages, @surfliquid/sdk and @surfliquid/widget. Any consumer fintech, any wallet, any card company, any neobank can embed a real savings rate in three lines of code. The integrator brands the surface. The saver keeps custody throughout. The audit posture is inherited. The rail used to be the moat for fifteen years of consumer banking. It is becoming a library. Track record under all of this: Nine months live on Base and Polygon. • $107M routed lifetime. • 6,757 on-chain agent actions. • 231 wallets. • Zero custody incidents. Last week alone, the agent routed $289K across two vault flips. Gauntlet to Steakhouse on 11 May when the rate moved. Back to Gauntlet on 16 May when the spread reversed. 69 atomic batches between them. No human watched it happen. The on-chain trail is the receipt. What I find interesting about this moment is the trade we are making. We are not chasing distribution to ten million Surf-branded users. We are publishing the infrastructure so that any consumer app, on any chain, can give its users the rate the bank could not. The brand stays small. The infrastructure compounds. The infrastructure is the product. Building it in public. Shipping it in public. surfliquid.com

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SurfLiquid 🌊
SurfLiquid 🌊@Surf_Liquid·
Your bank doesn't tell you where your money goes. Surf does. Open the app. See your money. See your earnings. See the safety rules. That's it. surfliquid.com
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SurfLiquid 🌊
SurfLiquid 🌊@Surf_Liquid·
Credit-grade tokenised rails, rated AAA, are the missing piece. Once the underlying paper is of institutional quality, the consumer-savings layer is the next gap. That is the layer we wake up thinking about every morning.
CoinDesk@CoinDesk

NEW: Moody's awards its top AAA rating to tokenized money market funds from @Fidelity and @BlackRock, validating the credit quality and liquidity of onchain yield products as the tokenized Treasury sector hits $15B in AUM.

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SurfLiquid 🌊
SurfLiquid 🌊@Surf_Liquid·
@XenBH When the biggest payments and commerce companies in the world settle on the same chain, anything built on that chain inherits the trust. Surf has been live on Base since launch. Users get a savings layer sitting on rails that JPMorgan and Visa already validated.
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Xen
Xen@XenBH·
JPMorgan deployed deposit tokens on Base. Visa selected Base for stablecoin settlement. Shopify uses Base for USDC checkout. These are production deployments by three of the largest financial and commerce companies, and they all picked the same chain. I think the reason is boringly simple. Base is a highly trusted and performant blockchain operated by an S&P 500 company. For a JPMorgan or a Visa this matters. Every institutional deployment makes the next one easier to win. The network effect compounds.
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SurfLiquid 🌊
SurfLiquid 🌊@Surf_Liquid·
@stacy_muur Risk bucket framing matters. Surf shows the bucket on the dashboard before any move. You see the trusted platform the money is routed to. You see the rules that sit in front of every signature. You see the on-chain receipt. surfliquid.com
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Stacy Muur
Stacy Muur@stacy_muur·
From my boring yields breakdown, you can see that the main point wasn’t to find the highest APY. It's understanding what risk bucket you’re stepping into for every extra percentage point of yield. Initially, I decided to keep the article simple and not overwhelm with lots of projects. I guess this was a mistake, so I'll keep periodically updating it with more yield opportunities. Another option I've been looking at is the USDT/USDC Savings vaults from @lista_dao. • TVL: $2B • 30d APY: ~6.5% There are 3 reasons why I chose these vaults to park my stablecoins (on Ethereum): → Market balance The USDT (19.15%) and USDC (25.26%) utilization shows there’s borrow demand, but the vaults are not being pushed near capacity just to sustain the current yield. → Available liquidity Both vaults have a meaningful liquidity buffer relative to their current size, instead of having most deposits locked into active borrows. → Collateral quality Both vaults only use ETH as collateral, which matters because ETH is liquid, widely used across DeFi, and easier to monitor during market moves. Disclosure: I'm a depositor in these vaults and a $LISTA holder.
Stacy Muur tweet media
Stacy Muur@stacy_muur

x.com/i/article/2054…

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SurfLiquid 🌊
SurfLiquid 🌊@Surf_Liquid·
@coinbureau Last-minute changes always reveal the real fight. The banking spread is what's at risk. Once your dollars can earn on their own, the deposit model loses its quietest profit centre. surfliquid.com
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Coin Bureau
Coin Bureau@coinbureau·
🚨LATEST: Banking groups are reportedly pushing last-minute changes to the stablecoin yield compromise, per Bloomberg.
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SurfLiquid 🌊
SurfLiquid 🌊@Surf_Liquid·
Multiples is the right scale to think in. The next decade of consumer on-chain finance builds on existing tokenised assets. The job is to put a savings-account interface over the rails so the user never has to think about it. That is what we are building.
Binance@binance

“...𝘵𝘩𝘦 𝘨𝘳𝘰𝘸𝘵𝘩 𝘰𝘱𝘱𝘰𝘳𝘵𝘶𝘯𝘪𝘵𝘺 𝘧𝘰𝘳 𝘵𝘩𝘦 𝘯𝘦𝘹𝘵 𝘴𝘦𝘷𝘦𝘳𝘢𝘭 𝘺𝘦𝘢𝘳𝘴 𝘪𝘴 𝘳𝘦𝘢𝘭𝘭𝘺 𝘵𝘰 𝘣𝘦 𝘵𝘩𝘪𝘯𝘬𝘪𝘯𝘨 𝘪𝘯 𝘮𝘶𝘭𝘵𝘪𝘱𝘭𝘦𝘴 𝘢𝘴 𝘰𝘱𝘱𝘰𝘴𝘦𝘥 𝘵𝘰 𝘱𝘦𝘳𝘤𝘦𝘯𝘵𝘢𝘨𝘦𝘴.” Rob Goldstein from @BlackRock on why tokenization is still at the very beginning. #BinanceOnline

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SurfLiquid 🌊
SurfLiquid 🌊@Surf_Liquid·
Tokenised T-Bills as stablecoin reserves means a clear baseline on every dollar issued. The real question is who keeps the difference between that baseline and what the dollar earns once it's idle. Banks want both ends of the spread. We've spent a year building the rails to give the spread back to the holder.
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CoinDesk
CoinDesk@CoinDesk·
NEW: @jpmorgan files to launch a tokenized Treasury money market fund ($JLTXX) designed as GENIUS Act-compliant reserve assets for stablecoin issuers.
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SurfLiquid 🌊
SurfLiquid 🌊@Surf_Liquid·
Tokenised T-Bills as reserves means every dollar has a clear baseline. Who keeps the yield once those dollars sit idle? Banks want both ends of the spread. We have spent a year building Surf to flip that. Yield to the holder, not the issuer.
CoinDesk@CoinDesk

NEW: @jpmorgan files to launch a tokenized Treasury money market fund ($JLTXX) designed as GENIUS Act-compliant reserve assets for stablecoin issuers.

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SurfLiquid 🌊
SurfLiquid 🌊@Surf_Liquid·
Your bank pays you a fraction of a percent. Surf shows you what your money can actually earn. One deposit. Clear returns. An app you can actually understand. Better returns on your savings. Simple as that. surfliquid.com
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SurfLiquid 🌊
SurfLiquid 🌊@Surf_Liquid·
@CryptoTice_ The fight is bigger than CLARITY. Banks have run on the deposit spread for fifty years. The first product that lets a normal saver bypass that spread is the existential threat. We're building one. Rails live regardless of the vote.
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Crypto Tice
Crypto Tice@CryptoTice_·
BREAKING: The banks just made their move. Last minute changes to the stablecoin yield compromise. Per Bloomberg. May 14 vote is in 48 hours. And the banking cartel is pulling every lever they have. This is not a policy disagreement. This is survival. Banks know that stablecoins paying yield means trillions leaving their deposits. Forever. - Coinbase backed the compromise. - Circle backed the compromise. - The White House backed the compromise. Trump said "sign it immediately." And the banks are still trying to rewrite it. At the last minute. Again. The same cartel that killed Glass-Steagall. That got bailed out in 2008. That fought Bitcoin since 2013. Is making one final push. May 14. 10:30 AM EST. The most important vote in crypto history. Is under attack.
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SurfLiquid 🌊
SurfLiquid 🌊@Surf_Liquid·
Most savings apps tell you to "trust them." We show you everything. See where your money goes. See what it is earning. See the rules that protect it. Your money. Your visibility. Full transparency. surfliquid.com
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SurfLiquid 🌊@Surf_Liquid·
@CryptoWendyO This is the part that matters. The spread the banks keep is the same spread that built every bank's earnings report for decades. An on-chain savings account that pays the holder directly is what changes the math. We've been routing exactly this for eight months.
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Wendy O
Wendy O@CryptoWendyO·
Banks are panicking about stablecoin yield because for the first time, regular people could earn the kind of returns banks keep for themselves.
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SurfLiquid 🌊
SurfLiquid 🌊@Surf_Liquid·
One of the most common questions we get: "How is this different from what happened with Celsius?" Different model entirely. You hold the keys. Your account is individually isolated. Withdraw anytime. Every position is verifiable and independently audited. The safety system enforces every rule automatically. Your money stays yours. Built into the system from day one. surfliquid.com
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SurfLiquid 🌊@Surf_Liquid·
Self-custody and tokenisation in the same sentence is what unlocks savings as a product category. Once balances sit on-chain, the question moves from which custodian to which rule set. Savings becomes something the saver writes the policy on.
Altcoin Daily@AltcoinDaily

⚡️ BRIAN ARMSTONG: Clarity Act will be BIG for crypto • Stablecoins • DeFi • Self-custody • Tokenization "It will unlock a lot of institutional capital that will flow into the space."

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