DeFi's Next Big Wave!

Decentralizing Finance for All

Providing Peace of Mind With a Revolutionary DeFi Ecosystem.

Zero Inflation

There is no way to create new SURF tokens, while consistent deflationary pressures continually remove SURF from the system. Investors can relax knowing that the value of their tokens can not be printed away.

Failsafe Mechanisms

Liquidity removal fees pay dividends to all remaining liquidity providers, and also build a pool of liquidity held in custody by a smart contract, not by a single centralized entity. Even in the worst market conditions those who stake in the Whirlpool will never be left high and dry. Designed under the guiding principle of antifragility, the SURF ERC-20 token and SURF Whirlpool are made to withstand market shocks and uncertainty by protecting users with mathematical guarantees.

Get Paid for Your Liquidity

A 1% fee is extracted from every SURF transfer and rewards it to those staking ETH-SURF LP tokens in the Whirlpool. (Note: This fee is not taken from transfers involving the Whirlpool contract.) This rewards liquidity providers for all volume that passes through the ecosystem.

Own Your DeFi

Join a community surfing the edge of innovation, where creativity is rewarded and building on the ecosystem creates value for all participants. Whether you’re a developer or an artist, get paid for your contributions by the Swell, a governance-directed stream of SURF.

The SURF token is the core of the SURF Ecosystem and is essential for participating in current and future SURF DApps. However, SURF Finance is more than just a token. The greater ecosystem includes many moving parts, of which the Whirlpool is the backbone.

The Whirlpool: decentralized passive income

By staking SURF/ETH LP tokens in the Whirlpool, investors position themselves in a truly decentralized investment fund. Each LP represents a share of the fund, and investors receive dividends proportionate to the number of LP they’ve staked in the Whirlpool.

Just as all waters run to the sea, all capital in the SURF Ecosystem flows through the Whirlpool. What sets the ecosystem apart from others is the ability to generate both internal and external revenue streams, as outlined below:

Internal Revenue Streams

SURF Transfer Fee
1% fee on all transactions that is paid out to ETH-SURF LP tokens in the Whirlpool. (Note: This fee is not taken from transfers involving the Whirlpool contract.) This provides a base flow of dividends that scales with volume.
Whirlpool Unstaking Fee
25% fee assessed to ETH-SURF LP tokens withdrawn from the Whirlpool. 5% is paid out to remaining liquidity providers, while the remaining 20% enters locked liquidity. This fee can be changed by governance.
DAO Locked Liquidity
Controlled by developer multi-signature and soon by governance, successful proposals determine how the pool of locked liquidity will be invested to benefit the ecosystem.
SURF Ecosystem
Gamify your investment with arbitrage opportunities offered by SURF3D, Flipper, SURFstacker, and SURFstacker Lite, or participate in the SURF subsidized Atlantis Core automation layer. New projects will continually enter the ecosystem, building and connecting with one another to create constant fluid motion.

External Revenue Streams

BetGalaxy Casino
The Whirlpool collectively owns a 6% share of UniTopia’s new BetGalaxy blockchain casino, and revenue will be paid out regularly to all Whirlpool stakers. SURF will also be a Tier 1 playable asset on the platform.
Harpoon
Developed by Aegis DAO’s pep, the revolutionary Harpoon contract deploys funds to farming protocols and sells the yields for SURF. Farm yields in comfort knowing you are accumulating a deflationary asset. Community Harpoons also feed the Whirlpool and the Atlantis automation layer.

Plus Much More Coming Soon...

What is a Towel?

The TOWEL is a free stakeable ERC-20 token offering a taste of what the SURF Ecosystem can generate for you: eternal passive income. Lay yours out on the Beach, sit back, learn about the ecosystem, and watch your SURF balance grow.

Claim your TOWEL on February 14th!

If your wallet held the SUSHI token on February 1st, 10 AM EST, you will be eligible to claim a TOWEL. You will also qualify if you were holding any SURF-related token or participating in a SURF Dapp. TOWELs will be available on Uniswap on February 14th, and you’ll be able to mint TOWELs by locking SURF tokens for 500 days.

Details:

10,000 initial TOWEL supply.
3,820 TOWELs to the community vault (200 will be immediately used to seed the TOWEL liquidity pools).
A total of 4,415 TOWELs can be claimed by SUSHI holders on a first come first serve basis.

To see your eligibility, paste this URL in your browser and replace the end with your address https://surftoweldrop.com/sushi/YOUR-ADDRESS-HERE.

A total of 1,765 TOWELs are claimable by those that were invested anywhere in the SURF ecosystem on February 1st. Each eligible wallet can claim these TOWELs whenever they want.

To see your eligibility, paste this URL in your browser and replace the end with your address https://surftoweldrop.com/surf/YOUR-ADDRESS-HERE. Each "reason" is a TOWEL you can claim (max. of 6 reasons).

A total of 6,180 TOWELs can be claimed.
All claimed TOWELs will be automatically staked on the BEACH, where they will earn passive SURF income.
The Beach will be receiving 2,500 SURF per day from the community's SURF holdings until the The Swell is released.
You can unstake a TOWEL by paying 0.1 ETH. This fee will decrease by 0.0002 ETH/day down to 0 over the course of 500 days.
When someone calls the 'disperseETH' function, all of the accumulated ETH in The Beach contract is used to buy SURF, of which 38.2% gets distributed to the remaining TOWEL stakers, and 61.8% gets forwarded to another SURF ecosystem dapp.
You must stake and unstake a whole number of TOWELs.
TOWEL/ETH and TOWEL/SURF liquidity pools will be available on Uniswap, with 100 TOWELs available initially in each pool.
A TOWEL can be immediately minted by locking 0.1 ETH for 500 days. The locked ETH will return to you after the 500 days have passed.

Who Get's A Towel?

A snapshot was taken on February 1st at 10 AM EST. Ethereum wallets meeting any of the following criteria are eligible for up to 7 TOWELs (6 from SURF and 1 from SUSHI):

Holds any amount of SUSHI

Holds any amount of SURF or has any amount of SURF available in SURF3d or Whirlpool dividends

Holds any amount of SURF/ETH LP tokens

Holds any amount of S3D

Holds a SURF Board NFT

Holds a Leviathan NFT

Has any sized deposit in SURFstacker

Has any amount of SURF/ETH LP tokens staked in the Whirlpool

All claimed TOWEL's will be automatically staked in The Beach and will earn passive SURF income once The Swell goes live

You can mint and stake a new TOWEL by locking up 0.1 ETH worth of SURF for 1,000 days (You get it all back)

You can unstake a TOWEL by paying 0.1 ETH worth of SURF. This fee drops by 0.0001 ETH per day, making TOWEL's free to unstake after 1,000 days

The TOWEL unstaking fee will get recycled through the ecosystem

You must stake and unstake a whole number of TOWEL's

See You at The Beach!

How Does SURF Provide Passive Income?

As a community, our decentralized investment fund buys and manages an ever-growing pool of assets that provides revenue. Revenue is paid out to all stakers proportionate to their share of the Whirlpool. Funds generated by unstaking fees and community investments are used to secure new assets and expand the protocol.

Your level of participation is up to you. Make and vote for proposals on the Boardwalk, contribute funds to a Harpoon, monitor tasks in Atlantis, or just sit back and provide liquidity. You will always be drawing passive income.

Since inception on Nov. 6, 2020 through Feb. 13, 2021, the SURF Ecosystem has paid out a total of 2,883,077 SURF to ETH/SURF LP tokens in the Whirlpool, allocating a total amount of 37.45 SURF per LP token.

Upcoming Dapps

The Boardwalk, The Swell, The Beach, Atlantis Core, SURFstacker, SURFstacker Lite, Launch Pad, and more...

SURF’s upcoming governance will take place on The Boardwalk, where SURFGov holders can vote on proposals. Possibilities include changing the unstaking fee, the SURF token transfer fee, or the direction of the Swell, choosing how to invest community locked liquidity, and much more.
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You’ll be able to make proposals by locking SURF tokens. If your proposal succeeds, the locked SURF will return to your wallet. If not, the SURF will be burned.

More information will be available soon.

SURF LP, Surf3D, Surf tokens, TOWELs, Surfboards, and Leviathans can be donated to The Swell in exchange for SURFGov tokens. All donations are permanently locked in The Swell, creating a section of the Whirlpool that produces dividends for community functions. The Swell can be directed by governance to feed SURF Dapps, pay developers and content creators, or contribute to community funds.

Initially, 35% of the Swell will be directed toward The Beach, SURF’s UBI protocol, where anyone can stake a TOWEL token and receive passive SURF income.

This percentage can be changed by governance.

SURF is a complex environment with many processes running under the surface. Dive in and earn SURF rewards by running gas-intensive tasks that benefit the entire ecosystem, such as payouts to SURF-affiliated NFTs. Fed by its own stream of dividends, the Atlantis Core UI subsidizes gas costs and rewards timely execution. Atlantis will eventually support custom tasks, giving users and developers access to automation.

Pep’s development of Atlantis core, allows for fully decentralized automatization of the SURF ecosystem. There are many transactions that need to be made to keep the cogwheels of the ecosystem spinning, these transactions cost gas fees. Atlantis core gives rewards for pushing through those transactions.

Due to unexpected high influx of SURF into SURFstacker, a second version of SURFstacker is being considered, where all current v1 Stacker positions will be transferred to, except for the Whirlpool Manager’s 200,000 SURF position. The integration of SURFstacker lite which is just around the corner and will also help move things along for everyone that is currently awaiting their 15% payout.

SURFstacker lite is quite similar to SURFstacker, with the exact variables not being decided on yet, but the maximum amount you can deposit will be a fraction of the original SURFstacker maximum deposit. A portion of every deposit into SURFstacker lite deposit will purchase S3D for the SURFstacker lite contract, which means SURFstacker lite will be earning it’s own dividends, helping to keep the line moving.

All new integrations in the ecosystem are designed to complement each other. SURFstacker lite will feed into SURFstacker v1, which feeds into S3D, which ultimately feeds into the whirlpool.

The SURF community can be considered a venture capital community with knowledge and talent amongst us. This offers opportunities for both us and talented developers to develop a synergy and help them launch their innovative projects. Through the SURF launchpad, developers can focus on what they do best; building, while the SURF community takes care of community management, marketing, audits, etc.

The Surf launchpad will be for dApps that don’t have any thematic link to SURF, but the launch of a project will directly benefit the SURF ecosystem.

IMPORTANT DISCLAIMER: All content provided herein our website, hyperlinked sites, associated applications, forums, blogs, social media accounts and other platforms (“Site”) is for your general information only. We make no warranties of any kind in relation to our content and services, including but not limited to accuracy, security and updatedness. No part of the content and services that we provide constitutes financial advice, legal advice or any other form of advice meant for your specific reliance for any purpose, nor any dealing in (or promotion of) securities. Any use or reliance on our content and services is solely at your own risk and discretion. SURF.Finance is a decentralized financial experiment and any participation constitutes an understanding of the risks tied to it. You are urged to conduct your own research, review, analyse and verify our content and services before relying on or using them. No content on our site is meant to be a solicitation or offer. The SURF token, SURF Ecosystem dApps and any dApps launched on the SURF Launch Pad are for entertainment purposes only. Any words spoken by the SURF team or moderators is general advice for all members and is not and should not ever be taken as specific financial advice.