One thing people miss about @FolksFinance is how they handle interest rates.

Usually, every chain has its own supply/demand, so rates are all over the place.

Folks uses a unified state, meaning the interest rate is consistent no matter where you are.

I think this is huge because it stops people from having to constantly "hop" chains to find a better deal.

It’s a more stable way to build a portfolio.

If you’re a serious lender, you need to look at how their Hub manages these global rates, it’s a much more mature way to handle capital.