Some embodiments of the present invention provide a system that adaptively charges a battery, wherein the battery is a lithium-ion battery which includes a transport-limiting electrode, an electrolyte separator and a non-transport-limiting electrode. To charge the battery, the system first determines a lithium surface concentration at an interface between the transport-limiting electrode and the electrolyte separator. Next, the system uses the determined lithium surface concentration to control a charging process for the battery so that the charging process maintains the lithium surface concentration within set limits.