Brother Qiang's Investment Research！

@FolksFinance：An Undervalued Core Player in Cross-Chain Lending

Folks Finance is a DeFi lending protocol developed for over 5 years, starting from leading applications in the Algorand ecosystem, and has now evolved into a complete cross-chain DeFi hub, covering lending, trading, leverage, and liquid staking.

Its core advantage lies in the unified cross-chain lending model:

Users can deposit assets on any supported chain and borrow directly from other chains without the need for cross-chain bridges or wrapped assets, effectively solving the long-standing issue of liquidity fragmentation in DeFi.

Currently, it has launched on 9 public chains (Ethereum, Avalanche, Base, BNB Chain, Arbitrum, Polygon, Algorand, Sei, Monad), supported by top-tier infrastructures like Wormhole, Chainlink CCIP, and Circle CCTP.

Key Point One: Folks Points Season Two (Ongoing)

In Season One, a total of 1,500,000 $FOLKS tokens were distributed to the community, worth approximately 21 million USD, with an average airdrop exceeding 3,500 USD per person, making it one of the largest DeFi airdrops of this year.

Season Two has begun, and points can be earned through lending, repayments, exchanges, flash loans, and participating in official events.

Points = eligibility for future rewards; the earlier you participate, the higher the weight.

Key Point Two: Airaa Creator Activity (Opportunity to Earn)

Folks is conducting the Airaa Creator Incentive Program:

• Reward pool of over 500,000 USD

• The first 200 creators can receive rewards

• Content points count towards the Folks Points leaderboard

• Current participation is low, providing clear opportunities

This is an opportunity that combines content output + points + potential airdrop.

Other Key Points

• $FOLKS staking is now live: 30-day term, annualized approximately 30%, supports both DeFi and CEX participation

• Folks Mobile is collaborating with licensed VASP to develop a compliant crypto mobile entry, likely accompanied by user incentives or airdrops

• Top venture capital support: Coinbase Ventures, Jump Crypto, ParaFi, Borderless Capital, etc.

Folks Finance is one of the few cross-chain DeFi projects that combines long-term product strength + verified airdrops + ongoing incentives + creator bonuses.

If you're looking for a protocol that is usable, can generate rewards, and can be continuously tracked, Folks is worth positioning in advance.