Folks Finance is a decentralized finance (DeFi) platform built on the Algorand blockchain. It offers a variety of financial services tailored for both personal and business banking needs. Here are some key features and services provided by Folks Finance:

1. Lending and Borrowing: Users can lend their assets to earn interest or borrow against their assets. This includes various cryptocurrencies, allowing users to maintain liquidity without having to sell their holdings.
2. Governance and Voting: Folks Finance enables users to participate in governance by voting on important decisions. This is facilitated through their liquid governance model, which allows users to vote even when their assets are locked in loans or other protocols.
3. Wallet Integration: The platform supports various wallets, including Algorand-specific ones like Pera Wallet and Defly. This makes it easy for users to connect and manage their assets.
4. Security: Folks Finance places a strong emphasis on security, with multiple audits and a bug bounty program to ensure the safety of users' funds.
5. Educational Resources: Folks Finance offers a comprehensive academy with resources to help users understand and navigate the platform, as well as broader DeFi concepts.
6. Business Banking Services: For businesses, Folks Finance provides services such as loans, credit, savings accounts, and checking accounts. These services are tailored to meet the specific needs of businesses, offering efficient cash management, payroll services, and fraud protection.

For more detailed information, you can visit their official website and explore their resources and services in depth​ .

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