Folks Finance

Folks Finance is a permissionless DeFi capital markets protocol enabling users to lend, borrow, trade, and earn yields across Algorand and multiple EVM chains (Avalanche, Base, Arbitrum, Optimism, Ethereum, BNB Chain). Features include flexible interest rates, liquid staking (xALGO), cross-chain vault lending, loan looping, and DEX routing. Founded 2022, backed by Coinbase Ventures and Jump Crypto.