The Smartest Way to Share DeFi (And Earn While You’re at It)

DeFi’s best campaigns don’t always come wrapped in hype. Sometimes, they quietly rack up $8.5M+ in referred deposits, with dozens of new users onboarded, all without a token launch, airdrop farming, or inflated APYs.

That’s exactly what’s happening at Summer.fi, where the Beach Club referral program is quietly becoming one of the most effective and sustainable DeFi growth loops in the game.

The Premise: Share Real Yield, Earn $SUMR

Instead of chasing vanity metrics or short-term spikes, it builds on Summer.fi’s core strength: high-performance, risk-adjusted vaults that users already want to deposit into.

Here’s how it works:

1. You share your referral link (auto-generated at summer.fi/beach-club).

2. New users deposit into vaults using your link.

3. You earn SUMR points based on the total deposits you bring in.

It’s simple. But the design is what makes it effective.

📈 The Results So Far

As of today:

• $8.5M+ in TVL has been referred through Beach Club

• 75+ new users have joined the platform via referrals

• Top referrers are earning consistent SUMR rewards, which track both participation and impact

This is real user growth, deposits made into actual vaults, not one-click airdrop bots or multi-wallet noise.

It’s all transparent and trackable via this live Dune dashboard, so referrers and observers can verify who’s contributing and how much value they’re driving.

Smart Design, Aligned Incentives

The reason Beach Club is working is alignment.

• No lockups. Referred users can deposit, withdraw, or move funds at any time.

• No token speculation. $SUMR isn’t a tradable token (yet), but it’s already gaining utility across Summer.fi campaigns.

• Vaults worth sharing. Summer.fi’s vaults use tried and tested strategies like G-UNI LPs, Aave, Morpho, and Spark, automated for simplicity.

Referrers are encouraged to promote sustainable, secure DeFi strategies. The end result is organic growth

Who’s Winning?

Early adopters of the Beach Club program are already building leaderboards.

Influencers, community leaders, and power users with group chats, newsletters, or social reach are quietly stacking SUMR as they plug others into the system.

But this isn’t just for the whales.

Even with 10–20 deposits referred, new users are seeing their SUMR stack grow week over week, proving that distribution is broad.

Track it yourself: dune.com/lazysummer/lazy-beach-club

Where It’s Headed Next

Summer.fi has made it clear: SUMR is just getting started.

While it’s currently used to reward campaign participation and drive growth loops like Beach Club, there are hints that SUMR may unlock deeper protocol benefits in the future, priority access, boost multipliers, or governance participation.

As DeFi enters its next phase of user onboarding, protocols that combine organic growth, transparent incentives, and composable UX will stand out.

Beach Club is a signal.

Get in Before It Gets Crowded

Whether you're a DeFi native with reach, or just someone who believes in automating your portfolio and sharing great tools, Beach Club offers a path to grow with Summer.fi, while earning along the way.

Here’s how to get started:

👉 Join the Beach Club📊 Track your referral stats🧃 Earn SUMR for sharing DeFi that actually works

DeFi doesn’t need to be noisy. It just needs to work.
And right now, $8.5M says it is.