Cross-chain fragmentation remains one of the biggest headaches in DeFi. You've got assets scattered across multiple blockchains, each with its own liquidity pools, interfaces, and operational quirks. Lending protocols certainly feel the pain, but honestly, it's a systemic issue that haunts the entire DeFi ecosystem. FolksFinance stepped up by partnering with xChain to tackle the first layer of this problem—making it easier for users to navigate different chains and positions without getting lost in a maze of incompatible protocols.