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 🟢

Just In: @FolksFinance is now featured on the Core Discover page. Folks Finance is making lending, borrowing, and earning simple, accessible, and capital efficient for users across the DeFi ecosystem.

The "WhatsApp moment" for crypto has arrived. Last year, stablecoins settled more volume than @Visa + @Mastercard combined. The rails are here. It's now a war for distribution. I wrote about this in my latest @Forbes article ⤵️

$FOLKS is now available on Exolix. @FolksFinance is a cross-chain DeFi protocol built for seamless lending, borrowing, and digital asset management. Get $FOLKS on Exolix in just a few clicks:

New $FOLKS liquidity pool is now live for trading on @arbitrum. $FOLKS / $USDC is available on @PancakeSwap, with deep and efficient liquidity powered by @ArrakisFinance. Pool link below 🥞↓

New $FOLKS liquidity pool is now live for trading on @base. $FOLKS / $USDC is available on @aeroxyz, with deep and efficient liquidity powered by @ArrakisFinance. Link below ✈️↓

Credit is essential to modern life. But loan origination hasn't changed in decades. Traditional settlement: T+1 or T+2. VS Onchain: instantaneous. The shift is already happening. @jpmorgan, @BlackRock, @GoldmanSachs, @DeutscheBank are all quietly building products onchain.

If you're wondering where did the yield go in DeFi... Your search is over. Welcome to the Folks x @tinymanorg lending pool farms, offering some of the highest APRs in the industry for BTC & ETH 👇

Following Pyth's announcement to deprecate Pyth Core on July 31st, some assets that rely on Pyth-sourced price feeds are scheduled to be delisted from xChain lending markets. Users with open positions involving these assets should repay loans and remove collateral / withdraw positions. Full details and schedule 👇

Last weekend we hosted the @Algorand x402 Agentic Commerce hackathon in @42_berlin as the first event of the @BerBlockWeek — and honestly, we were blown away by the builders who showed up. 370+ registrants. $21,200. 41 teams. 36 hours Here’s what went down 🧵

Folks Finance is part of @GBBC_io’s 101 Real-World Blockchain Use Cases. The handbook is a valuable guide for government agencies, regulators, and central banks, providing an educational resource to deepen their understanding of blockchain & digital assets. Learn more ↓

New wBTC/USDC and wETH/USDC lending pools are now live on @Algorand with incentives! 1. Deposit into lending pools 2. Stake on @tinymanorg farms 3. Collect rewards Links below ↓

The next Folks Governance proposal is about the deployment of a new xALGO/USDC liquidity pool on a new chain. A forum poll is now live to help decide which chain should be included in the proposal. Cast your vote before the poll snapshot ↓