# 6. Fee Structure Surf aims for zero-surprise costs. Here’s a full breakdown of every fee on the platform:


Action	Who Pays	Where It Goes	Typical Rate
Loan‑opening fee	Borrower	70 % to SURF stakers, 30 % to liquidity providers	1 % of borrowed amount
Borrow interest	Borrower	90 % to liquidity providers, 10 % to protocol reserve	Dynamic (utilisation‑based), fixed at the time the loan is initiated
Protocol fee on interest	Borrower	100 % to SURF stakers	20 % of interest owed
Liquidation fee	Borrower (only if liquidated)	70 % to SURF stakers, 30 % to liquidity providers	15 % of repaid debt value
Network (Cardano) fees	Everyone	Cardano validators	≈ 0.17 – 0.25 ADA per tx

No deposit or withdrawal fee—you can supply or redeem tokens at any time for just the standard Cardano tx cost. ***Note: All fee percentages and allocations may be adjusted in future governance updates.\**** --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://docs.surflending.org/surf-mainnet-protocol/6.-fee-structure.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.