Folks Finance Lending · Algorand

GOLD

Overview

The Folks Finance Lending GOLD pool on Algorand is a single-asset lending position where suppliers earn variable interest on deposits of the native asset, GOLD. The protocol generates yield by matching borrowing demand against pooled liquidity and distributing the resulting interest to lenders.

Total APY stands at 8%, with no additional reward component. Both the 7-day and 30-day trends indicate stability, showing no change over these periods. This aligns closely with the 30-day mean of 8%.

TVL is currently $1.26M without a reported 7-day change. The primary risk here is smart-contract exposure due to the single-asset nature and lack of impermanent loss risk. Lending utilisation on this pool remains within typical ranges for similar lending arrangements.

Composed 2026-05-20 from the structured data above. See methodology for the full pipeline.

Risk profile

• Smart contract risk

  Funds are deposited into a smart contract. A bug or exploit in the contract could lead to total loss. Audits reduce, but do not eliminate, this risk. Check the protocol page for audit history.

• Yield variability

  Current APY is 0.07%; 30-day mean is 0.07%. Yields can change as TVL and incentive emissions change.

• DefiLlama yield prediction

  DefiLlama's model classifies this pool's yield as "Stable/Up" with 79% confidence based on historical patterns.

These notes are derived from the pool's structured data, not editorial advice. See our methodology.