In the world of decentralized finance (DeFi), most products focus on market-driven volatile returns. However, an important but underexplored area is fixed income – where investors can predict and secure a stable return. Treehouse was created to fill this gap, establishing a standardized and transparent ecosystem for fixed income products on blockchain.

Treehouse is developed by Treehouse Labs with a unique architecture consisting of yield-generating tAssets and a decentralized interest rate benchmark mechanism DOR (Decentralized Offered Rates). The system operates cross-chain, starting with Ethereum and expanding to many other blockchains, providing sustainable income streams for users.

Three foundational layers of Treehouse

Treehouse is designed with a three-layer architecture to optimize operational efficiency:

  1. Yield Layer

    Users can earn fromtAssets – for exampletETH – by leveraging interest rate volatility in the market.

  2. Benchmark Layer

    DORprovides a decentralized, transparent, and unmanipulatable interest rate benchmark, aiding in pricing and referencing interest rates across the entire DeFi ecosystem.

  3. Participation Layer

    Including theOperator, Panelist, DelegatorandEnd User, working together to maintain operations, reach consensus, and make decisions for the network.

LST 2.0: tAssets – Upgrade from traditional staking

Treehouse introduces tAssets – the new generation of Liquid Staking Tokens (LST). Not only do they receive staking rewards from PoS as usual, but tAssets also optimize returns by participating in lending protocols like Aave or Spark.

For example, tETH is built on Ethereum, using wstETH from Lido as the underlying asset, while also leveraging lending opportunities to enhance returns.

In addition to generating income, tAssets play a core role in the DOR ecosystem as Panelists and Operators use tETH to ensure accurate interest rate forecasts and mitigate fraud risk.

DOR – Transparent and decentralized interest rate benchmark

In traditional finance, interest rate benchmarks like LIBOR or SOFR have been criticized for being easily manipulated and lacking transparency. Treehouse's DOR replaces this mechanism with a decentralized consensus system, providing stable and objective interest rate forecasts.

Key components of DOR include:

  • Operator: Maintains system operations.

  • Panelist: Predicts and reports interest rates.

  • Referencer: Uses DOR to price or create financial products.

  • Delegator: Provides capital for Operators and Panelists.

  • End User: Access fixed income products on DeFi.

TREE Token – The heart of the ecosystem

TREE is the native token of Treehouse, serving both governance and utility purposes:

  • Query Fees: Referencer pays TREE fees to access DOR data.

  • Staking: Panelist stakes TREE to participate in interest rate establishment.

  • Governance: TREE holders participate in protocol direction decisions.

  • DAO Grants: Support new projects in the ecosystem.

  • Rewards: Members providing accurate DOR data will receive TREE rewards.

TREE token allocation:

  • 17.5%: Strategic investors.

  • 17.5%: Core team and collaborators.

  • 35.75%: Community incentives and airdrops.

  • 25%: Reserve fund and ecosystem development.

  • 6.75%: Liquidity and exchange listings.

All have a vesting period to ensure long-term commitment.

Development roadmap

Treehouse aims for strong expansion:

  • Launch tAssets on Solana and BNB Chain.

  • Deploy tETH on Layer 2.

  • Collaborate with new lending protocols.

  • Develop OTC market for ETH Staking Rate FRA.

  • Integrate DOR into CeFi through products like audit indices.

  • Obtain official interest rate benchmark licenses.

  • Expand interest rate data to multiple other Layer 1s.

Conclusion: Treehouse – Fixed income platform for DeFi

Treehouse is not just a DeFi application but a financial infrastructure layer combining the best of TradFi and DeFi:

  • Transparency through decentralized interest rates.

  • Optimize returns with tAssets and LST 2.0 mechanism.

  • Sustainability through community governance and reasonable incentive mechanisms.

With this orientation, Treehouse promises to become the center of on-chain fixed income products, creating a fair, decentralized, and unpreventable market. @Treehouse Official #Treehouse $TREE