Folks Finance is excited to be one of @Onlend_'s launch partners. Onlend will enable Folks to expand into new DeFi lending markets and enter its next growth phase. To celebrate, we're giving away 200 $USDC! Like & RT the post below, tag 3 frens & follow. Winner in 48h.

“It’s not using DeFi.” That’s @benedettobio, co-founder and CEO at @FolksFinance, with me on @MNSShow. TradFi likes the onchain loan, just not the permissionless lending market. So DeFi adapts, and that’s exactly what Folks Finance is doing. This is just one snippet of a DeFi builder’s story - full episode links below. 👇

In Hong Kong for @HongKongFinTech 🇭🇰 HK is one those places where TradFi and onchain finance are really coming together, with banks & fintechs increasingly working side by side with onchain infra. I'll be around until Friday. Hit me up if you're also there!

As we prepare for the launch of Folks Markets, the next product evolution of Folks Finance, we are sharing the transition plan for xChain. As part of this process, starting October 1, xChain will be gradually deprecated following the timeline below to ensure a smooth transition. After March 31, 2027, the xChain app website will not be available, so we encourage all users to repay their loans and withdraw their assets before then. Full details ↓

Folks Mobile is now @WieldMoney! WIELD MONEY™ is a separate, third-party CeDeFi project. Folks Foundation has agreed to integrate access to certain Folks DeFi markets into Wield Money. Wield Money’s terms and eligibility restrictions apply.

See you in Seoul for @kbwofficial 🇰🇷 If you’re building in DeFi, running a neobank, working with RWAs, or deploying capital onchain, leave a comment or drop me a DM. Let’s catch up on what we’re building.

.@ForbesTechCncl recently asked me who companies should hire as their Chief AI Officer my answer was basically: do you actually need one? at @FolksFinance we didn't hire someone to "lead AI" instead, everyone is expected to experiment with it and figure out how it can make them better at what they already do someone finds a tool that makes them significantly faster? share it someone figures out a better workflow? share it someone automates something the rest of us hate doing? definitely share it we have catch ups where we share these things with each other, and if something is useful, everyone who can benefit starts using it over time, one person's discovery becomes knowledge the whole team can use companies don't have a Chief Internet Officer anymore I think AI will eventually be the same the goal isn't to build an AI department it's to build a team that's really good at using AI > shared my thought in this @Forbes article:

Staking ALGO on @FolksFinance gives you xALGO. Current APR: 4.39%. 280M ALGO staked, 6,708 xALGO holders. And there's Ultrastake, leverage up to 4x on your stake to earn more rewards. xALGO also works as collateral inside the protocol. Stake, earn, and still use your assets.

🚨🚨🚨BREAKING NEWS: YOU CAN NOW TRADE PERPS ON @alphaarcade Feature is in beta. It works like any other perps platform, with funding rates, LP vault and decentralized liquidations. Fully on-chain, it uses @FolksFinance's Oracle feed. ➡️

There is a reason @ether_fi is focusing so much on lending.
 Payments alone aren’t enough to build a great ‘neobank’ business.
 Lending is historically one of fintech’s most profitable revenue streams. Nubank generated $15.8B in revenue in 2025, with ~85% coming from interest income. SoFi grew net interest income from ~$95M to ~$617M in just four years.
 While onchain lending is fundamentally different from traditional bank credit, it makes sense that ‘crypto neobanks’ eventually move beyond making money mostly from card spending and start offering onchain lending products too.
 Etherfi is doing it through an @aave v4 spoke.
 The problem is that not every crypto neobank can do the same. Building your own spoke on Aave isn’t really an option available to everyone.
 That’s one of the main use cases we’re building a new solution for: giving neobanks the infrastructure to launch their own onchain lending products and, respectfully, do it better than Etherfi x Aave.
 If you’re building a crypto consumer app and want to compete on lending, comment below or DM me.

$FOLKS is Folks Finance - a leading DeFi lending protocol that lets you supply, borrow & manage assets across chains from one platform. $62.7M TVL. $FOLKS Now live on Overlay 🟢