Many DeFi projects engage in "multi-chain replication,"

but there are actually very few that truly solve the cross-chain problem.

The reason why $FOLKS is repeatedly mentioned in the market is simple:

it is not deploying lending pools on different chains,

but doing something harder and more valuable —

unifying liquidity itself.

@FolksFinance is building a real cross-chain lending system.

$FOLKS launched on Binance at $2, then reached a peak of $17+,

demonstrating over 8 times growth during a phase without narrative hype,

which reflects the pricing for the direction of "unified cross-chain lending," rather than short-term sentiment.

Folks Finance is a cross-chain DeFi lending protocol that has been developed for over 5 years,

evolving from a leading project in the Algorand ecosystem to a unified liquidity center covering 9 mainstream public chains.

It addresses the structural issues of DeFi:

users can deposit assets on any chain and borrow assets directly from another chain

without a cross-chain bridge or wrapping assets.

xChain V2 is advancing:

more efficient cross-chain market structure, supporting more non-EVM chains,

and deep integration for advanced strategies, with the goal of making unified liquidity lending the industry default standard.

Fundamentals:

circulating through 9 chains via Wormhole NTT

ranked in the top three EVM lending tracks by FDV (only behind Aave and Morpho)

already listed on multiple top exchanges, supporting Bybit futures

Current opportunities to participate:

Staking: 30 days, 30% APY (Kaizen / KuCoin)

Folks points season two: lending / exchanging / flash loans can accumulate future reward eligibility

Airaa creator event: $500,000+ prize pool, participation remains low

supported by institutions behind: Coinbase Ventures, Jump, ParaFi, etc.

If you care about how DeFi truly crosses chains,

and not "multi-chain duplication,"

$F$FOLKS is worth serious study. 🚀