Earn on USDC.
Backed by Bitcoin.Earn on your dollars.
Backed by Bitcoin.
Up to 8.5% APY. Backed by Bitcoin collateral you can verify on-chain. Not promises - proof.
Your yield is backed
by real Bitcoin
Secured by real Bitcoin
Every dollar you supply is backed by Bitcoin
locked on-chainNot reused or moved
Collateral is never lent out, traded, or hidden.
You can verify it
See the Bitcoin backing your yield anytime.
What makes
Surge different?
Real demand, real yield
Earn from actual borrowing demand,
not incentivesMore borrowers, better returns for you
Rates go up when more people borrow.
Your money, your control
No lock-ins. Withdraw when you want.
From your wallet to earning in minutes
Connect your wallet
Ledger, hot wallet, or any compatible wallet. Plug in and go.
Most savings accounts pay you close to nothing. Surge lets your USDC earn up to 8.5% a year.
Surge On-Chain Lending Markets
See what you can earn
Most savings accounts pay you close to nothing. Surge lets your USDC earn up to 8.5% a year.
Surge On-Chain Lending Markets
How much do you want to put in?
Estimated earnings
$8,500 / year
You can earn as much as 8.5% APY. Minimum estimated earnings are $4,600.
Estimated rate
4.6% - 8.5% APY
Rates change based on demand