> ## Documentation Index
> Fetch the complete documentation index at: https://docs.rampartlabs.xyz/llms.txt
> Use this file to discover all available pages before exploring further.

# Folks Finance

> Cross-chain lending with Monad as a spoke chain

<Info>
  **TVL:** \~\$8M | **Type:** Cross-Chain Lending (spokes) | **Docs:** [docs.folks.finance](https://docs.folks.finance)
</Info>

## 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.

<Note>
  Rates on Monad may differ slightly from other spoke chains due to local supply/demand dynamics. The hub periodically reconciles rates across all spokes.
</Note>

## Functions

### getFolksMarkets()

Returns all active Folks Finance lending markets on the Monad spoke.

**Returns** `FolksMarket[]`

| Field           | Type      | Description                      |
| --------------- | --------- | -------------------------------- |
| `address`       | `string`  | Market contract address on Monad |
| `asset`         | `string`  | Underlying token address         |
| `totalDeposits` | `bigint`  | Total deposited assets (raw)     |
| `totalBorrows`  | `bigint`  | Total borrowed assets (raw)      |
| `supplyAPY`     | `number`  | Current supply APY as a decimal  |
| `borrowAPY`     | `number`  | Current borrow APY as a decimal  |
| `protocol`      | `'folks'` | Protocol identifier              |

```typescript theme={null}
const markets = await sdk.getFolksMarkets()
// → [
//   {
//     address: '0x...',
//     asset: '0x...',
//     totalDeposits: 4500000n,
//     totalBorrows: 2800000n,
//     supplyAPY: 0.057,
//     borrowAPY: 0.091,
//     protocol: 'folks'
//   },
// ]
```

### getFolksTVL()

Returns total value locked in Folks Finance markets on the Monad spoke in USD.

**Returns** `number`

```typescript theme={null}
const tvl = await sdk.getFolksTVL()
// → 8200000
```

## Usage Example

```typescript theme={null}
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)}%`)
}
```

## Contract Addresses

| Contract    | Address                                      |
| ----------- | -------------------------------------------- |
| SpokeCommon | `0xBB7d60bF5b0e1A9B85BE9A5Ef71E7d46C7C95E0B` |