This one is better, with low-risk returns that are still quite good

Have you looked for stable returns in DeFi? If you have, you’ve probably experienced two kinds of disappointments: either the returns are pitifully low or the risks are frighteningly high. But recently, a protocol called Treehouse is solving this problem in a brand new way — it does not play high-risk arbitrage games, but instead honestly builds a decentralized fixed income system.

Why does DeFi need fixed income?

In traditional finance, the scale of fixed income products like bonds and deposits far exceeds that of the stock market, but DeFi has long lacked similar choices. Most so-called 'stable returns' either rely on unsustainable token incentives or are exposed to impermanent loss and liquidation risks. What Treehouse aims to do is provide a transparent and sustainable income solution, allowing users to earn interest as safely as they would in a bank.

Treehouse's core gameplay tAssets: upgraded income-generating assets

For example, by storing ETH, not only can you earn staking rewards (like Lido's stETH), but you can also earn extra through Treehouse's optimized strategies. Currently, the yield of tETH is 1.5-2% higher than simple staking, and the key is that you can redeem it at any time, with liquidity not locked.

DOR: Decentralized 'benchmark interest rate'

Traditional finance has LIBOR and SOFR, but DeFi has always lacked a reliable interest rate standard. Treehouse's DOR mechanism (like the TESR rate) is provided by professional institutions (such as RockX and Staking Rewards) and may become a reference for derivative pricing in the future.

Is the token worth buying?

Use cases: governance, staking for returns (APR 50-75%), participating in interest rate data voting

Supply: Total of 1 billion, with strict lock-up for team and investors, low short-term sell pressure

Current status: Launched on major exchanges like Binance, with TVL exceeding $300 million, but the market cap is only $65 million (considered undervalued compared to similar projects)

Opportunity: Fixed income is the most lacking track in DeFi, and demand will explode once institutional funds enter.

Risk: If the ETH staking rate plummets, the yield may decline; similar competitors (like Ethena) are also following suit

Treehouse is not one of those '1000% annualized return' get-rich-quick projects, but it addresses a real issue in DeFi. If you want low-risk returns or are optimistic about the development of the fixed income sector, $TREE is worth long-term attention.

(Want to know more? Try their GoNuts reward program; holding tETH or blue-chip NFTs can earn you points for free.)