Coin Research — Folks Finance (FOLKS) — 14 November 2025

TL;DR

• Idea: Folks Finance is a crosschain lending protocol that unifies liquidity across EVM and non-EVM chains with a hub-and-spoke architecture
• Catalyst: FOLKS token launch on November 6, 2025 across major exchanges including Binance Alpha and Binance Futures
• Risks: Smart-contract and interoperability dependencies pose security risks; intense multi-chain DeFi competition; regulatory uncertainty
• Score: 8.00/ 10

Coin

• Name/ Ticker: Folks Finance (FOLKS)
• Segment: DeFi/Crosschain Lending
• Status: active
• Price: $5.640000

Key Metrics

• Market Cap: $69 955 121
• FDV: $282 503 140
• Circulating Supply: 12 381 299
• Total Supply: 50 000 000

Sources

1. https://www.coingecko.com/en/coins/folks/usd
2. https://coinmarketcap.com/currencies/folks-finance/
3. https://folksfinance.medium.com/folks-token-launches-on-november-6th-2025-39cd015bcf86

Technology

• USP: First crosschain hub-and-spoke lending protocol abstracting cross-chain complexity for unified DeFi
• Core Technology: Interoperability via Chainlink CCIP, Circle CCTP, and Wormhole NTT messaging standard for seamless EVM and non-EVM asset transfers

Roadmap

• 2025-11-06: FOLKS Token Generation Event
• 2025-11-11: Chainlink Rewards Integration
• 2025-12-31: xChain V2 Upgrade
• 2025-12-31: Mobile App Launch

Team & Investors

Team

• CEO & Co-founder — Benedetto Biondi: 10 years in fintech and DeFi
• COO — Michael Moresi: 7 years in operations and blockchain
• Head of Institutional Expansion & Mobile App — Emanuele Brion: 5 years in DeFi growth and product management

Investors

• Borderless Capital — Strategic Round • 2024-11-14 • $3.20M
• Coinbase Ventures — Seed
• Jump Crypto — Token Launch • 2025-10-21
• ParaFi Capital — Token Launch • 2025-10-21
• Sovo Ventures — Strategic Round • 2024-11-14

Total funding: $6.20M

Tokenomics

• Utility: Governance, protocol fee sharing, staking rewards and yield incentives
• Vesting: 13.38% unlocked at TGE; 0.79% monthly thereafter
• Next Unlock: 2025-12-06 (0.79% of circulating)

Pros & Cons

Strengths

• Cross-chain interoperability across EVM and non-EVM networks
• Unified DeFi interface eliminates need for bridges
• Backed by leading investors including Coinbase Ventures and Borderless Capital
• Experienced leadership with deep DeFi and fintech backgrounds
• Strong ecosystem support and $169M TVL on DefiLlama

Weaknesses

• High competition in multi-chain lending and borrowing
• Dependency on third-party messaging and oracle protocols
• Smart contract risk and potential security vulnerabilities
• Regulatory uncertainty for cross-chain asset transfers
• Market volatility impacting collateral and borrowing power

Market Signals (7d)

• TVL trend: decreasing
• CEX volume trend: increasing
• Active addresses trend: increasing

Price Scenarios (target: 2026-05-14)

• Bear: $2.820000 — Assumes 50% downside reflecting sector competition and macro headwinds
• Base: $5.640000 — Maintains current price reflecting existing TVL and user base
• Bull: $10.000000 — Projects 77% upside based on cross-chain adoption and fee growth

How to Buy & Store

CEX

• Binance
• Kraken
• KuCoin
• BloFin
• BingX
• Gate.io

DEX

• PancakeSwap
• Uniswap
• Tinyman
• Raydium
• DexSwap

Storage

• MetaMask
• Coinbase Wallet
• Ledger
• Trezor
• Pera Wallet

Verdict

Folks Finance offers a robust, well-backed cross-chain DeFi protocol with strong growth catalysts but faces significant interoperability and regulatory risks.