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TVL: ~$8M | Type: Cross-Chain Lending (spokes) | Docs: docs.folks.finance

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Overview

Folks Finance is a cross-chain lending protocol that uses a hub-and-spoke architecture. Monad acts as a spoke - users deposit and borrow locally, while the hub chain coordinates cross-chain liquidity and rate discovery. This enables unified liquidity across multiple chains.
Rates on Monad may differ slightly from other spoke chains due to local supply/demand dynamics. The hub periodically reconciles rates across all spokes.

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Functions

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getFolksMarkets()

Returns all active Folks Finance lending markets on the Monad spoke. Returns FolksMarket[]
FieldTypeDescription
addressstringMarket contract address on Monad
assetstringUnderlying token address
totalDepositsbigintTotal deposited assets (raw)
totalBorrowsbigintTotal borrowed assets (raw)
supplyAPYnumberCurrent supply APY as a decimal
borrowAPYnumberCurrent borrow APY as a decimal
protocol'folks'Protocol identifier
const markets = await sdk.getFolksMarkets()
// → [
//   {
//     address: '0x...',
//     asset: '0x...',
//     totalDeposits: 4500000n,
//     totalBorrows: 2800000n,
//     supplyAPY: 0.057,
//     borrowAPY: 0.091,
//     protocol: 'folks'
//   },
// ]

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getFolksTVL()

Returns total value locked in Folks Finance markets on the Monad spoke in USD. Returns number 
const tvl = await sdk.getFolksTVL()
// → 8200000

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Usage Example

import { Rampart } from 'rampart-monad'

const sdk = new Rampart()

const markets = await sdk.getFolksMarkets()
const tvl = await sdk.getFolksTVL()

console.log(`Folks Finance Monad TVL: $${(tvl / 1e6).toFixed(1)}M`)

for (const m of markets) {
  const utilization = Number(m.totalBorrows) / Number(m.totalDeposits)
  console.log(`Market ${m.asset}: supply ${(m.supplyAPY * 100).toFixed(2)}%, borrow ${(m.borrowAPY * 100).toFixed(2)}%, util ${(utilization * 100).toFixed(1)}%`)
}

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Contract Addresses

ContractAddress
SpokeCommon0xBB7d60bF5b0e1A9B85BE9A5Ef71E7d46C7C95E0B