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🤝 For Distribution Partners

Surge’s credit market is permissionless: any distribution partner can integrate and offer borrow or earn products under their own brand. You get the same on-chain infrastructure—dVaults, the Decentralised Custody Network (DCN), and the liquidity layer—without building custody or lending from scratch.

🔌 Permissionless by design

  • No gatekeeping - Integrate via public APIs and on-chain flows. No exclusive partnerships or approval gates required.
  • Same rails as Surge - Your users tap the same Bitcoin-native credit market: programmable dVaults, oracle-driven liquidation, and multi-market liquidity (variable and fixed).
  • You own the experience - Brand the UI, custody UX, and product packaging. Surge provides the settlement and risk infrastructure.

That makes it possible to white-label both borrowing (for your users who hold BTC) and earning (for your users who want to supply stablecoins) without operating custody or a lending book yourself.

📦 White-label borrow products

Offer BTC-backed credit under your brand:

  • Your app, Surge’s execution - Integrate your wallet, lock BTC in a dVault, and draw stablecoins. You control onboarding, UX, and support; Surge and the DCN handle collateral verification, disbursement, and repayments.
  • Fixed or variable rate - Plug into the variable pool or fixed-rate markets so you can offer the terms that fit your users (e.g. fixed 6% or floating).
  • Transparent and verifiable - Each credit line is a Taproot UTXO; you can surface proof of non-custodial, unrehypothecated collateral to users and regulators.

Use cases: neobanks, wallets, exchanges, or any platform that wants to offer “borrow against your Bitcoin” without running the underlying credit and custody stack.

đź’° White-label earn products

Offer yield on stablecoins under your brand:

  • Your brand, Surge’s liquidity layer - Users supply USDC/USDT into the same pools that back the credit market. You design the product (e.g. “Savings” or “Earn”), Surge and the DCN handle pool accounting, rate setting, and liquidations.
  • Variable and fixed tranches - You can offer floating yield from the variable pool or fixed-rate earn from fixed-rate markets, depending on what your users want.
  • Real yield from real credit - Yield comes from borrower interest and (where applicable) liquidation economics, not token incentives or opaque leverage.

Use cases: savings apps, treasury products, or any distributor that wants “earn on stablecoins” backed by Bitcoin-collateralized credit, without operating the lending or custody infrastructure.

đź”— How to plug in

  • Technical integration - Connect to Surge’s execution and liquidity layer via the public interfaces and APIs that power the credit market. Technical Documentation and integration patterns coming soon!
  • Compliance and UX - You remain responsible for your jurisdiction’s rules, KYC/AML if applicable, and user communication. Surge provides verifiable on-chain data (collateral, rates, pool state) to support transparency and reporting.
  • Support and positioning - You handle user support and positioning (e.g. “Powered by Surge” or fully white-labeled). Surge focuses on infrastructure and protocol integrity.

If you’re building a borrow or earn product and want to use Surge’s permissionless credit market under your own brand, reach out via surge.build or the links in Resources.