# Welcome to Folks Finance

Welcome to Folks Finance official documentations. 

Initially the leading DeFi protocol on Algorand, Folks has evolved into a dynamic, multichain DeFi hub, leveraging messaging layers technology for expansive growth. With its innovative hub-and-spoke model, the platform offers a seamless, intuitive user experience, abstracting the complexities of cross-chain interactions. 

In the following sections users can find the official documentations of the two protocols and the point system.

<table data-view="cards"><thead><tr><th align="center"></th><th align="center"></th><th data-hidden data-card-cover data-type="files"></th><th data-hidden data-card-target data-type="content-ref"></th></tr></thead><tbody><tr><td align="center">xChain dApp docs</td><td align="center">Access liquidity across multiple blockchains</td><td><a href="https://1077363812-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FojwJy0FvSV3FPExt4uaP%2Fuploads%2F2cOLVY3tJy5yEXlnjXUv%2Fxchain.png?alt=media&#x26;token=c1c1bdc6-23c3-4ea7-b698-d570da9c5d4b">xchain.png</a></td><td><a href="https://docs.xapp.folks.finance/">https://docs.xapp.folks.finance/</a></td></tr><tr><td align="center">Point System docs</td><td align="center">Accumulate points for future incentives</td><td><a href="https://1077363812-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FojwJy0FvSV3FPExt4uaP%2Fuploads%2FvLT5qceR0F0x9KCXQxVp%2Fpoint.png?alt=media&#x26;token=9c82ce49-f026-4b65-b7fc-0f0f081aae2b">point.png</a></td><td><a href="https://docs.xapp.folks.finance/incentives-program/points-system">https://docs.xapp.folks.finance/incentives-program/points-system</a></td></tr><tr><td align="center">Algorand dApp docs</td><td align="center">Leading DeFi app on Algorand</td><td><a href="https://1077363812-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FojwJy0FvSV3FPExt4uaP%2Fuploads%2FiRjGKmWfk4rvDMJzfCTZ%2Falgo.png?alt=media&#x26;token=67505b3e-05c9-4453-8b18-8ff2d58b2b09">algo.png</a></td><td><a href="folks-finance-algorand-app-documentation">folks-finance-algorand-app-documentation</a></td></tr></tbody></table>