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Summer.fi Official: Lazy Summer, Multiply & Automation 

Summer.fi Official: DeFi Automation & Yield Hub 

Summer.fi Official (formerly Oasis.app) is the premier non-custodial dashboard for borrowing, leveraging, and earning in DeFi. This technical documentation serves as the primary resource for utilizing Summer.fi Multiply Leverage to amplify exposure, earning passive yields via the Lazy Summer Protocol, and securing positions with DeFi Stop-Loss Automation. Summer.fi aggregates the best lending protocols into a unified, user-friendly experience. 

Summer Ecosystem: Pro vs. Lazy 

Summer.fi caters to both active traders and passive savers through two distinct product lines.

Summer.fi Pro: For active management. Users access "Multiply" (leverage) and "Borrow" features across protocols like Maker, Aave V3, Spark, Morpho, and Ajna. It allows for granular control over collateral ratios and automation triggers.

Lazy Summer Protocol: For passive yield. This is a set of curated vaults where users deposit assets (e.g., USDC, ETH), and an AI-driven network of Keepers automatically rebalances the capital across the highest-yielding strategies (e.g., moving from Aave to Morpho when rates change).

Yield Loops: A specialized feature in Pro that allows users to leverage Liquid Staking Tokens (LSTs). For example, a user can deposit wstETH, borrow ETH, buy more wstETH, and repeat—all in one transaction—to multiply the staking yield.

Automation & Smart Execution 

The infrastructure of Summer.fi Official relies on robust "Keeper" networks and flash loan capability.

Multiply Architecture: When a user clicks "Multiply," the protocol utilizes Flash Loans (usually from Maker or Balancer) to borrow the capital needed to buy more collateral upfront. This creates the leveraged position instantly without the user needing to perform multiple swaps.

Automation Bot: Users can attach "Triggers" to their vaults. For example, a Stop-Loss trigger monitors the oracle price off-chain. If the price hits the trigger, a Keeper sends a transaction to sell enough collateral to repay debt and restore the health factor, preventing full liquidation.

Smart Account: To enable these advanced features on protocols that don't natively support them (like Aave), Summer.fi deploys a "DS Proxy" or "Smart Account" for the user. This proxy holds the position and allows the user to batch multiple actions (Deposit + Borrow + Swap) into a single atomic transaction.

$SUMR, Rays & Incentives 

The reward system gamifies DeFi usage and aligns governance.

Summer.fi Rays: The points system. Users earn Rays for every dollar deposited, borrowed, or swapped on the platform. Multipliers are given for using specific protocols (like Ajna) or keeping positions open for long periods.

$SUMR Token: Rays convert into $SUMR, the governance token of the Lazy Summer Protocol. Holders can vote on which yield strategies are added to the Lazy vaults and how the protocol revenue (fees from the vaults) is allocated.

Referral Program: Users can create a referral link. They earn a percentage of the Rays generated by the users they refer, incentivizing community growth.

Security, Audits, and Backing 

Summer.fi Official is one of the longest-running frontends in DeFi (originating from the Maker Foundation).

Audits: The underlying smart contracts for automation and the Lazy Summer Protocol have been audited by top firms like ChainSecurity and Prototech Labs.

Non-Custodial: Despite the "Smart Account" architecture, Summer.fi remains non-custodial. The user is the only one who owns the keys to the proxy that holds the funds. Summer.fi cannot withdraw or move funds without user authorization (except for pre-authorized automation triggers).

Protocol Risk: While the frontend is secure, users are exposed to the risks of the underlying protocols (e.g., a bug in Aave or Morpho). The Lazy Summer Protocol mitigates this via risk curation by Block Analitica.

Official Documentation & Reference 

Access the verified Summer.fi Official technical resources below:

App: summer.fi

Docs: docs.summer.fi

Lazy Summer: lazy.summer.fi

Twitter: x.com/summerfinance

Frequently Asked Questions 

What is the difference between Oasis.app and Summer.fi? They are the same platform. MakerDAO Oasis Rebrand to Summer.fi occurred to reflect that the platform now supports many protocols (Aave, Spark, Morpho) beyond just MakerDAO.

How does "Multiply" work? Summer.fi Multiply Leverage uses a flash loan to buy more collateral for you effectively "looping" your position in one click. It increases both your upside potential and your liquidation risk.

What is the Lazy Summer Protocol? It is an automated yield aggregator. You deposit funds, and the protocol's AI Keepers move your money between different lending markets to ensure you always get the best risk-adjusted APY.

What are Rays? Summer.fi Rays are points you earn for using the platform. They determine your allocation of the $SUMR Token Airdrop.