# Welcome to Folks Finance

##                                  [Folks Finance](https://folks.finance/)

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Folks Finance is a non-custodial DeFi protocol providing tools for digital assets. Smart-contract technology empowers Folks Finance to offer advanced strategies while eliminating risks of centralized interference. Users can deposit assets to **earn** yield, as well as use their deposits as collateral for **loans**. Integration of the **Folks Router DEX aggregator** enables native swaps on the protocol and composability with the other operations. **Flash loans** give developers the keys to deep liquidity. **Algo Liquid Governance** and **Cross-chain Algo Liquid** Governance provide the most efficient method of participating in Algorand Governance through gALGO and xALGO, whose use cases continue to expand rapidly.

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