Treehouse: A Bridge Between Traditional Finance and Blockchain in the Fixed Income Sector

In the context of the traditional financial market, which has a huge fixed income ecosystem with instruments such as bonds, benchmark interest rates, and derivation products, the cryptocurrency market still lacks an equivalent infrastructure platform. Treehouse was created to fill this gap, bringing fixed income products into the DeFi space in a transparent, efficient, and secure manner. What is Treehouse? Treehouse is an infrastructure protocol aimed at developing fixed income financial products within the cryptocurrency ecosystem. By combining token staking liquidity technology (tAsset) and a decentralized interest rate reference system (DOR), Treehouse creates an environment where both individual and institutional investors can access stable interest rate products transparently and securely. The native currency of the ecosystem is TREE coin, serving as a payment tool, economic reward, and governance medium. Context of Origin and Objectives After shocking events such as the collapse of LUNA or FTX, confidence in the cryptocurrency market has been shaken, especially in the institutional investor segment. Treehouse emerges as a solution to bring the stability and transparency of traditional finance into Blockchain. Built on risk analysis experience since 2020, the Treehouse development team aims to promote widespread acceptance of cryptocurrency in the global finance community. Current Issues in the Crypto Fixed Income Market In the current DeFi ecosystem, protocols like Aave, Compound, and Spark offer different interest rates for the same asset, leading to fragmentation and inefficiency. Without a standard interest rate, products like crypto bonds or interest rate derivatives are very difficult to design and implement. This forces investors to build their own strategies with high risk and low measurability. Treehouse aims to change that by creating a unique interest rate ecosystem, where reliable data and strategies are automated. tAsset and tETH: How Treehouse Rebuilds Fixed Income tAsset is a token representing a liquid staking asset, operated by dynamic yield strategies within the Blockchain ecosystem. tETH, the first product, automatically moves between high-yield and low-cost staking pools to optimize profits for users. Outstanding advantages of tETH: Continuous liquidity: Investors can use tETH as collateral or trade in DeFi. Automated strategies: No manual management is required, everything is operated by smart contract. Benefit from interest rate spread: The mechanism is similar to the organization's arbitrage strategy.

In the long run, Treehouse plans to develop similar tAssets for various types of assets such as BTC, stablecoins... DOR – The First Decentralized Interest Rate Reference Mechanism DOR (Decentralized Offered Rates) is a system that generates reliable reference interest rates for the cryptocurrency market, similar to LIBOR or SOFR in traditional finance. How it works: Panelists and delegates participate in predicting interest rates within a specified timeframe. The accuracy of the prediction is rewarded with TREE coin, while discrepancies are penalized by losing staking assets. The random sampling mechanism and the removal of outlier values help ensure integrity.

The results of DOR can be used to value debt contracts, interest rate derivation products, and crypto bond tokens – laying the foundation for the development of the cryptocurrency interest rate curve. TREE Coin: Motivation and Governance Mechanism TREE is the native token of the Treehouse ecosystem, serving the role: Payment of DOR data access fees: Protocols using DOR must pay fees in TREE, generating revenue for the network. Rewards for panelists and delegators: Correct predictions receive rewards, while incorrect ones lose their staked assets. DAO governance: The community holding TREE can vote on major decisions such as launching new tAssets, changing protocol parameters, funding subsidiary projects... Application for Organizations and Individuals For institutional investors: It is easy to build a fixed income investment portfolio. Easy to integrate DOR into the risk pricing model. Reduces compliance costs thanks to transparent on-chain data. For individual investors: Just hold tETH to participate in a professional financial strategy. No technical expertise is required, everything is managed by a smart contract. You can plan your finances more clearly thanks to products referenced by DOR. Competitive Advantage and Development Roadmap Compared to competitors like Pendle Finance, Exactly Protocol, or Notional Finance, Treehouse has an advantage thanks to: Integrating both the interest rate reference system (DOR) and the tokenization of flexible yields (tAsset). Creating a strong network effect: The more protocols use DOR → the higher the conversion costs → reinforcing the central position. The founding team has a traditional financial background, ensuring that the protocol meets organizational standards.

Upcoming roadmap: Expand tAsset for different blockchains. DOR becomes the multi-chain interest rate reference standard. Integrate with traditional financial institutions to create compliant products (legal compliance). Conclusion Treehouse is a pioneering protocol that introduces fixed interest rate structures into the world of cryptocurrency. With a comprehensive approach – from interest rate reference infrastructure to flexible interest rate investment products – Treehouse is creating an environment where investors can confidently seek stable, transparent, and sustainable income in the DeFi world. If successful, Treehouse will play a foundational role in the professionalization of the decentralized financial market in the future. @TreehouseFi #Treehouse $TREE {spot}(TREEUSDT)