# Folks Finance Algorand app documentation

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Folks Finance is a non-custodial DeFi protocol providing tools for digital assets. Smart-contract technology empowers Folks Finance to offer advanced strategies while eliminating risks of centralized interference. Users can deposit assets to **earn** yield, as well as use their deposits as collateral for **loans**. Integration of the **Folks Router DEX aggregator** enables native swaps on the protocol and composability with the other operations. **Flash loans** give developers the keys to deep liquidity. **Algo Liquid Governance** and **Cross-chain Algo Liquid** Governance provide the most efficient method of participating in Algorand Governance through gALGO and xALGO, whose use cases continue to expand rapidly.

#### First time interacting with Folks Finance?

{% content-ref url="introduction/get-started" %}
[get-started](https://docs.folks.finance/introduction/get-started)
{% endcontent-ref %}

#### Need a step-by-step guide to operating Folks Finance?

{% content-ref url="functionalities" %}
[functionalities](https://docs.folks.finance/functionalities)
{% endcontent-ref %}

#### Interested in studying the dynamics and mathematical design of the protocol?

{% content-ref url="architecture" %}
[architecture](https://docs.folks.finance/architecture)
{% endcontent-ref %}