Folks Finance telah bermitra dengan AEON Community untuk meningkatkan kegunaan $FOLKS sebagai mata uang digital untuk transaksi harian, memfasilitasi penggunaannya di lebih dari 50 juta merchant di berbagai wilayah, sehingga menghubungkan DeFi dengan perdagangan sehari-hari.

Alchemy Pay's jalur masuk fiat baru untuk $FOLKS token memungkinkan pembelian mudah menggunakan metode pembayaran lokal di 173 yurisdiksi, mendorong adopsi yang lebih luas dan menyederhanakan akses ke layanan DeFi bagi pengguna di seluruh dunia.

Setelah lima tahun mendalami dunia DeFi, pendiri Folks Finance dari Italia Benedetto Biondi dan timnya menyelesaikan tonggak penting TGE (penawaran token). Insinyur mekanik yang meraih penghargaan "30 Under 30" dari Forbes ini memiliki wawasan unik tentang DeFi: dia percaya bahwa musuh terbesar DeFi bukanlah regulasi atau peretas, melainkan kompleksitasnya sendiri. Daftar Isi Artikel Latar belakang CEO Folks Finance Bendetto Solusi Folks Finance terhadap "dosa asli" DeFi — Tingginya ambang pengguna Aplikasi mobile: Mengatasi hambatan penggunaan + fragmentasi likuiditas Rencana masa depan Folks Finance: Menghubungkan

Protokol Pinjaman Lintas Rantai Folks Finance Setelah token $FOLKS berhasil diterbitkan dan nilainya melonjak, secara resmi mengumumkan peta jalan pengembangan detail hingga tahun 2026. Peta jalan ini bertujuan mendorong gelombang pertumbuhan berikutnya. （Ringkasan sebelumnya: Folks Finance mengumumkan peluncuran di jaringan utama Monad dan meluncurkan insentif sebesar 35.000 dolar AS） （Tambahan latar belakang: Folks Finance mengumumkan peluncuran token FOLKS） Daftar Isi Artikel Kompetisi Point Folks musim kedua resmi dimulai Folks Mobile memasuki tahap pengalaman awal xChain V2 akan segera diluncurkan, menawarkan lebih dari 15 juta dolar AS dalam rencana insentif Mengembangkan token staking likuiditas EVM baru (LST)

Protokol pinjaman lintas rantai Folks Finance secara resmi mengumumkan bahwa layanannya telah diluncurkan di Mainnet Monad, membawa solusi likuiditas terpadu ke ekosistem tersebut. (Latar belakang: Folks Finance mengumumkan peluncuran Token FOLKS) (Informasi tambahan: Apakah Morgan Stanley akan membuka pertukaran? Mendaftarkan merek baru untuk menawarkan layanan "Uang Virtual Trading") (Artikel ini adalah materi promosi, ditulis dan disediakan oleh Folks Finance, tidak mewakili posisi Dong區, dan bukan merupakan saran investasi, saran untuk membeli atau menjual. Lihat peringatan tanggung jawab di akhir artikel.) Protokol pinjaman lintas rantai terkemuka membawa likuiditas terpadu, koin lintas rantai asli, dan program insentif pertamanya untuk ekosistem Monad. Didukung oleh Coinbase Ventures, Jump, ParaFi, dan Borderless.

Huobi HTX akan meluncurkan kontrak berjangka permanen FOLKS/USDT pada 7 November, dengan leverage maksimum 20 kali, dan memulai pesta perdagangan, dengan total hadiah mencapai 10.000 USD. Pengguna perlu menyelesaikan pendaftaran dan melakukan perdagangan dengan total nilai efektif ≥ 10.000 USDT untuk menikmati hadiah peringkat, dan pengguna baru dapat mendapatkan manfaat eksklusif.

Pada 6 November, pasar kripto secara keseluruhan menunjukkan tren pemulihan ringan. Bitcoin kembali ke atas USD 103.000, Ethereum menembus USD 3.300, total nilai terkunci (TVL) di seluruh jaringan DeFi mencapai USD 131,937 miliar, dengan penurunan kecil 0,08% dalam 24 jam, dan pasar sementara stabil di zona konsolidasi tinggi. Protokol utama menunjukkan perbedaan yang jelas, dengan proyek-proyek yang fokus pada staking seperti Lido dan EigenLayer mengalami sedikit pertumbuhan, sementara protokol pinjaman dan hasil seperti Aave, Spark, dan Ethena sedikit menurun. Aktivitas perdagangan DEX tetap tinggi, dengan volume perdagangan total sekitar USD 16,127 miliar dalam 24 jam, menunjukkan likuiditas pasar masih cukup melimpah. Peristiwa utama hari ini meliputi Notional Finance yang mengalami kerugian akibat kerentanan Balancer dan menutup V3, serta Aster yang meluncurkan pembelian kembali dan peningkatan fungsi jaminan, menunjukkan bahwa pasar DeFi sedang berjalan di jalur perbaikan keamanan dan optimalisasi ekonomi token secara bersamaan.

Di era yang dipenuhi oleh tren yang cepat berlalu dan gelombang spekulasi, Folks Finance muncul sebagai pelopor inovatif di atas blockchain Algorand. Protokol inovatif ini mengusung visi keuangan terdesentralisasi (DeFi), menempatkan nilai pada kesabaran dan strategi jangka panjang, serta lebih menyukai pendekatan yang teratur daripada transaksi yang kacau. Inti dari semangat revolusioner mereka adalah mekanisme Lock & Earn, yang mendefinisikan kembali konsep likuiditas.

Folks Finance (FOLKS) adalah token utilitas dan tata kelola yang mendukung Folks Finance, aplikasi pinjaman DeFi lintas rantai terkemuka di Algorand. Dengan pasokan tetap sebesar 50 juta FOLKS, token ini dirancang untuk keberlanjutan, menyelaraskan insentif di antara pengguna, kontributor, dan komunitas guna mendorong pertumbuhan jangka panjang dalam ekosistem DeFi dengan total nilai terkunci (TVL) lebih dari $150 miliar+.

Menurut berita dari 深潮 TechFlow, pada 6 November, berdasarkan informasi resmi, Hotcoin akan meluncurkan tiga proyek populer yaitu Ewu Penguin, UAI, dan FOLKS pada 6 November 2025, untuk secara akurat menangkap tren pasar dan membantu pengguna memanfaatkan peluang baru di jalur perlombaan! 【Perdagangan Spot】 📍6 November 13:00 (UTC+8) diluncurkan Evil Penguin/USDT 📍6 November 21:20 (UTC+8) peluncuran UAI/USDT 📍6 November 21:20 (UTC+8) diluncurkan FOLKS/USDT Untuk merayakan peluncuran simultan multi-koin, Hotcoin

Apa itu Folks Finance? Folks Finance adalah sebuah protokol keuangan terdesentralisasi lintas rantai (DeFi) yang bertujuan menjadi pusat pasar modal terpadu yang menghubungkan ekosistem multi-rantai. Akan dimulai pada 6 November dengan peluncuran airdrop FOLKS. Keunggulan utama proyek ini terletak pada integrasi mendalam dengan infrastruktur lintas rantai terkemuka seperti Chainlink CCIP, Circle CCTP, dan Wormhole, yang memungkinkan pinjaman dan pengelolaan aset asli secara seamless antar rantai. Tujuannya adalah untuk secara fundamental mengatasi masalah fragmentasi likuiditas yang telah lama ada di bidang DeFi. Dengan visi yang jelas, model bisnis yang telah diverifikasi oleh modal (dengan total pendanaan sebesar 6,2 juta dolar AS), dan desain ekonomi token yang masuk akal, Folks Finance telah menjadi pemain yang patut diperhitungkan di jalur DeFi lintas rantai.

Folks Finance adalah protokol keuangan terdesentralisasi non-penitipan (DeFi) di blockchain Algorand, menawarkan alat canggih untuk pengelolaan aset, pinjaman, peminjaman, dan penggabungan likuiditas untuk memberdayakan pengguna dengan layanan keuangan yang aman dan tanpa perantara.

Folks Finance adalah platform keuangan terdesentralisasi (DeFi) yang berasal dari blockchain Algorand dan berkembang menjadi pusat multi-rantai. Inovasi inti adalah pinjaman lintas rantai tanpa jembatan, di mana pengguna dapat menggunakan jaminan di satu rantai untuk meminjam aset di rantai lain tanpa perlu jembatan aset yang rumit atau pengemasan. Platform ini menyediakan layanan DeFi lengkap seperti pinjaman, staking likuiditas, pertukaran, dan perdagangan margin, dan telah mengumpulkan 3 juta dolar dari dana terkenal.

Ether.fi (ETHFI) mengakhiri suara tata kelolanya hari ini pada proposal pembelian kembali sebesar $50 juta Folks Finance akan meluncurkan token FOLKS pada 6 November dengan merilis 25,4% dari pasokan Aerodrome mempersiapkan peningkatan besar dengan Slipstream V2, Autopilot, dan perbaikan UI/UX. Beberapa proyek crypto sedang memasuki N

Shiba Inu (SHIB) diperluas menjadi pinjaman cross-chain dengan mengintegrasikan Folks Finance, sebuah protokol finansial terdesentralisasi (DeFi). Ini menandai pertama kalinya sebuah memecoin terdaftar untuk pinjaman dan peminjaman di sebuah platform cross-chain. Fitur ini didukung oleh Cross-Chain Chainlink

Untuk merayakan Shiba Inu (SHIB) yang pertama kali masuk ke pasar pinjaman cross-chain, pihak resmi mengumumkan peluncuran acara airdrop senilai 500 dolar AS SHIB. Kerja sama ini didasarkan pada protokol peminjaman ekosistem Chainlink Folks Finance yang dikerahkan di banyak rantai, bertujuan untuk membawa SHIB ke 12 blockchain termasuk Polygon, Avalanche, Arbitrum, dan Base. Artikel ini akan menganalisis secara mendalam pergerakan harga SHIB, Mekanisme Burn, dan kemajuan ekosistem cross-chain, untuk memberikan referensi komprehensif bagi investor Aset Kripto.

Platform DeFi menambah dukungan Shiba Inu setelah penyelesaian integrasi Chainlink CCIP Pengguna dapat menyetor SHIB untuk hasil atau menggunakan token sebagai jaminan untuk meminjam Platform menawarkan 10,93% APY dengan $25.000 dalam likuiditas SHIB saat ini yang disuplai Protokol peminjaman DeFi Folks Finance telah menambahkan Shiba Inu

Orang-orang Shiba Inu sebenarnya telah membuat sejarah dengan menjadi koin meme pertama yang bergabung dengan Folks Finance, dan ini memicu kenaikan Shiba Inu yang signifikan sekitar 2% setelah pengumuman saat ini. Harga Shiba Inu hari ini mencerminkan meningkatnya kepercayaan investor seiring dengan ekspansi SHIB ke DeFi cross-chain.

Tim ekosistem Shiba Inu meluncurkan giveaway untuk merayakan listingnya di platform pinjaman cross-chain Folks Finance. Berlangsung selama 48 jam, peserta dapat berpartisipasi dengan mengikuti dan menandai teman. Sebuah AI akan secara acak memilih pemenang, meningkatkan keterlibatan komunitas dan mempromosikan aplikasi keuangan SHIB.

Integrasi Algorand dengan Wormhole memungkinkan transfer token asli yang mulus di lebih dari 40 blockchain, meningkatkan interoperabilitas DeFi. Kemitraan ini telah memicu peningkatan aktivitas pasar dan minat pengembang, yang ditandai dengan naiknya transaksi dan peluncuran token FOLKS. Algorand juga fokus pada aplikasi dunia nyata, termasuk pembayaran biometrik di Afrika.

Integrasi standar NTT Wormhole, yang dipimpin oleh Folks Finance, membuka transfer token lintas rantai yang mulus dan mempersiapkan panggung untuk fase pertumbuhan multichain berikutnya Algorand. SINGAPURA, 1 Juli 2025 /PRNewswire/ — Yayasan Algorand hari ini mengumumkan integrasi Token Native Wormhole

Catatan Kunci Algorand Foundation mengembangkan inisiatif NTT ini bekerja sama dengan Folks Finance. Dengan perkembangan baru ini, Algorand dapat memanfaatkan salah satu jaringan interoperabilitas terbesar di ruang kripto. L1 lain yang mendorong ekspansi ekosistem melalui inovasi adalah Cardano. Pada

Gate Institute: Minggu ini, empat proyek yaitu FanTV, Folks Finance, Aiden, dan SoSoValue semuanya memberikan kesempatan untuk mengikuti Airdrop. FanTV fokus pada kreasi konten, Folks Finance berfokus pada Keuangan Desentralisasi Interaksi Cross-Chain, Aiden menciptakan mesin pencari Desentralisasi, dan SoSoValue memberikan layanan riset pasar Aset Kripto. Proyek-proyek ini memberikan kesempatan bagi pengguna untuk bergabung dengan ekosistem Web3 dan menarik pengguna melalui Airdrop dan cara-cara lainnya. Untuk bergabung dalam proyek-proyek Airdrop ini, pengguna perlu mengunjungi situs web proyek, menghubungkan Dompet, dan menyelesaikan tugas yang ditentukan.

* * * * * If the SEC were a sports team measured by its “win” rate, it would be a runaway champ. But that win-loss record suffered a mild hit — and its first ever loss in an “ICO” case — one that refers to the controversial method of crowd fundraising and that borrows from the public company “IPO” or initial public offering. A federal judge denied the SEC a preliminary injunction against Blockvest after he granted a temporary restraining order on the same issue. We chat with Amit Singh, attorney and shareholder in Stradling’s corporate and securities practice group about the SEC’s fresh loss. His take? They’ll be out for blood, next. **For those not in the know, share the legal background leading up to this case.** In October of this year, the Securities Exchange Commission filed a complaint against Blockvest LLC and its founder, Reginald Buddy Ringgold III. According to the complaint, Blockvest falsely claimed its planned December initial coin offering was “registered” and “approved” by the SEC and created a fake regulatory agency, the Blockchain Exchange Commission, which included a phony logo that was nearly identical to that of the SEC. The SEC also alleged Blockvest conducted pre-sales of its digital token, BLV, ahead of the ICO and raised more than $2.5 million. The SEC’s complaint alleged violations of the anti-fraud provisions of the Securities Exchange and the Securities Act and violations of the Securities Act’s prohibitions against the offer and sale of unregistered securities in the absence of an exemption from the registration requirements. U.S. District Judge Gonzalo Curiel issued a temporary restraining order “freezing assets, prohibiting the destruction of documents, granting expedited discovery, requiring accounting and order to show cause why a preliminary injunction should not be granted” on October 5, 2018. On Tuesday, November 27, in the SEC’s first loss in stopping an ICO, judge Gonzalo Curiel stated that the SEC had not shown at this stage of the case that the BLV tokens were securities under the Howey Test, a decades-old test established by the U.S. Supreme Court for determining whether certain transactions are investment contracts and thus securities. If the tokens weren’t securities, all the SEC’s other allegations automatically fail Under the Howey Test, a transaction is an investment contract (or security) if: – It is an investment of money; – There is an expectation of profits from the investment; – The investment of money is in a common enterprise; and – Any profit comes from the efforts of a promoter or third party Later cases have expanded the term “money” in the Howey Test to include investment assets other than money. The judge said that the SEC failed to show investors had an expectation of profits. “While defendants claim that they had an expectation in Blockvest’s future business, no evidence is provided to support the test investors’ expectation of profits,” the judge wrote. Blockvest argued that the pre-ICO money came from 32 “test investors” and said the BLV tokens were only designed for testing its platform. It presented statements from several investors who said they either did not buy BLV tokens or rely on any representations that the SEC has alleged are false. The SEC responded by noting that various individuals wrote “Blockvest” or “coins” on their checks and were provided with a Blockvest ICO white paper describing the project and the terms of the ICO. Judge Curiel said that evidence, by itself, wasn’t enough: “Merely writing ‘Blockvest or coins’ on their checks is not sufficient to demonstrate what promotional materials or economic inducements these purchasers were presented with prior to their investments. Accordingly, plaintiff has not demonstrated that ‘securities’ were sold to [these] individuals.” **Won’t the case proceed? Why is the denial of an injunction important here?** This does not mean that the SEC cannot pursue an action against the defendants Rather it just means that the SEC didn’t meet the high burden required to receive a preliminary injunction of proving “(1) a prima facie case of previous violations of federal securities laws, and (2) a reasonable likelihood that the wrong will be repeated.” The court determined that, at this stage, without full discovery and disputed issues of material facts, the Court could not decide whether the BLV token were securities. Since the SEC didn’t meet its burden of proving the tokens were securities in the first place, it couldn’t have shown that there was a previous violation of the federal securities laws So, the first prong was not met Further, the defendants agreed to stop the ICO and provide 30 days’ prior notice to the SEC if they intend to move forward with the ICO So, the court determined that there was not a reasonable likelihood that the wrong will be repeated As a result, the SEC’s motion for a preliminary injunction was denied. Nonetheless, this is an important case as it is the first time the SEC went after an ICO issuer and the issuer pushed back and won (if only temporarily) It reminds us that, though most people think of the SEC as judge and jury in securities actions, that isn’t the case Ultimately, an issuer that pushes back may have a chance if it has the wherewithal to fight and if it has good arguments However, this does not mean that the SEC is done with them and we may very well see this case continue. **Won’t media coverage of this case ultimately impair Blockvest’s ability to raise funds — its ultimate goal?** That may very well be the case. Unfortunately, unsophisticated investors could ultimately merely remember the Blockvest name and decide that it must be a good investment since they’ve heard of it (ala PT Barnum – “I don’t care what the newspapers say about me as long as they spell my name right.”). But I may be too cynical (hopefully I am). In any case, I would be surprised if Blockvest attempts to pursue an ICO without either registering the tokens or utilizing an exemption from the registration requirements. They clearly have a target on their back, so the SEC would love another crack at them I’m sure. Plus, even though a preliminary injunction was denied here, the SEC still got what it wanted as Blockvest agreed not to pursue the ICO without giving the SEC 30 days’ prior notice of its intent to do so. So, the investing public was ultimately protected. **What is the SEC’s current stance on what constitutes a security based on this case?** The SEC will still point to the Howey Test Further, as stated in recent speeches by Hinman and others, the SEC seems to be focused not only on the utility of any tokens (i.e., they can be used on the platform for which they were created), but also on decentralization (that the efforts of the promoters are no longer required to maintain the value/utility of the tokens/platform). However, the court in this case looked at the investment of money prong differently than has historically been the case Normally, the investment of money prong is assumed with little analysis as any consideration is considered “money” for purposes of the test But this case looked at the investment not from the purchaser’s subjective intent when committing funds, but instead based the analysis on what was offered to prospective purchasers and what information they relied on So, issuers are well advised to be very careful in how they advertise an offering. Further, the expectation of profits prong wasn’t met because, according to Blockvest, these were just test investors So, it wasn’t clear these folks invested for a profit The tokens were never even used or sold outside the platform. **Where does the Ninth Circuit sit in regards to what is a security?** The Ninth Circuit follows the Howey Test. However, the common enterprise element has received extensive and varied analysis in the federal circuit courts For example, while all circuits accept “horizontal” commonality as satisfying the common enterprise prong of the Howey Test, a minority of circuits (including the ninth) also accept “vertical” commonality in this analysis. Horizontal commonality involves the pooling of assets, profits and risks in a unitary enterprise, while vertical commonality requires that profits of investors be “interwoven with and dependent upon the efforts and success of those seeking the investment or of third parties” (narrow verticality), or “that the well-being of all investors be dependent upon the promoter’s expertise” (broad commonality). SEC v. SG Ltd., 265 F.3d 42, 49 (1st Cir. 2001). The Ninth Circuit is the only one to accept the narrow vertical approach (though it also accepts horizontal commonality), which finds a common enterprise if there is a correlation between the fortunes of an investor and a promoter.” Sec. & Exch. Comm’n v. Eurobond Exchange, Ltd., 13 F.3d 1334, 1339 (9th Cir., 1994). Under this approach a common enterprise is a venture “in which the ‘fortunes of the investor are interwoven with and dependent upon the efforts and success of those seeking the investment….'” Investors’ funds need not be pooled; rather the fortunes of the investors must be linked with those of the promoters, which suffices to establish vertical commonality. So, a common enterprise exists if a direct correlation has been established between success or failure of the promoter’s efforts and success or failure of the investment. **Which Federal Circuits might offer an equal or even bigger split with the SEC?** I wouldn’t really say that any courts split with the SEC as the SEC’s decisions take precedent over any decisions of those courts. However, there is a split among the circuits as described above with respect to what type of commonality is sufficient to find a common enterprise. **What impact could the outcome of this case have on ICOs at large?** This case may embolden companies who have already conducted ICOs to push back on any SEC actions that they might not otherwise fight as it shows that the SEC will always have to meet the burden of proving all factors of the Howey Test are met before the SEC has jurisdiction over the offering in the first place. **Has the Supreme Court addressed anything crypto, crypto related, or analogous?** The only case I know of where the Supreme court has addressed crypto currencies is Wisconsin Central Ltd. v. United States. That was a case about whether stock counts as “money remuneration” The dissent in that case talked about how our concept of money has changed over time and said that perhaps “one day employees will be paid in bitcoin or some other type of cryptocurrency.” This goes against the IRS’s position that cryptocurrencies are property and should be taxed as such But, it was just a passing comment in the dissent. So, it has no precedential value. But, it may embolden someone to fight the IRS’s position.