TVL counts all assets deposited into DorkFi lending pools on Algorand and Voi Network. Native coins (ALGO/VOI) and ASAs are read from market contract accounts. ARC-200 token markets (WAD, UNIT on Voi) use DorkFi's on-chain price oracle via the DorkFi API. Borrowed reflects outstanding loans computed from totalScaledBorrows × borrowIndex / 1e18.