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 RISKS, REWRADS & OPPORTUNITIES

Risks for Users
  • Smart Contract Risk: As with all DeFi protocols, bugs or vulnerabilities in the smart contract code (especially in the complex cross-chain contracts) could lead to loss of funds.
  • Interoperability Risk: Reliance on cross-chain messaging layers (CCIP, Wormhole) introduces counterparty risk if those layers face a security breach.
  • Liquidation Risk: Borrowers face liquidation if the value of their collateral drops below the required margin threshold.

Rewards for Users
  • Maximized Yield: Users earn yield from lending plus governance rewards from their liquid staking derivatives (LSDs) like gALGO.
  • Cross-Chain Efficiency: Ability to manage assets and access lending/borrowing opportunities across multiple major chains from a single, unified interface.
  • Token Incentives: Earning $FOLKS tokens for lending, borrowing, and providing liquidity.

Opportunities for Builders

  • Composability: The $FOLKS token and its liquid staking derivatives (gALGO, xALGO) are designed to be integrated into other DeFi dApps.
  • Cross-Chain Access: Builders on Avalanche (or any supported chain) can leverage Folks Finance's liquidity to create new products that draw capital from all integrated blockchains, vastly expanding their potential user base.
  • xChain V2: Upcoming protocol upgrades focused on unifying EVM and non-EVM chains offer fresh integration points for developers looking to build truly multichain applications.
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