Folks is a cross-chain DeFi protocol that has solved the issues of liquidity fragmentation by building natively cross-chain DeFi lending markets. With Folks xChain, users can deposit on any chain and borrow on any chain. No bridging or wrapping is needed. Additionally, Folks is the largest app on Algorand, offering a fully-fledged hub including lending, trading, and liquid staking. Reaching an all-time high of $400M TVL in November 2024, Folks is one of the fastest-growing DeFi apps in the market.