In traditional finance, benchmark indicators like LIBOR or SOFR serve as the foundation for bonds, loans, and derivative products. But what about in DeFi? Each protocol sets its own interest rates — leading to fragmented liquidity, high risks, and a lack of interoperability between platforms.

The consequence is:

❌ No interest rate swap market

❌ No fixed-income products

❌ No on-chain yield curve exists

🌲 Treehouse And The DOR Solution — Decentralized Onchain Rate

Treehouse Protocol is building the on-chain benchmark interest rate infrastructure that DeFi has long lacked:

  1. DOR (Decentralized Onchain Rate)

    • Acts as an oracle layer for on-chain interest rates

    • Interest rates are determined by panelists — those who stake TREE or tAssets and submit yield forecasts (e.g., ETH staking rate).

    • Accurate forecasts → receive rewards

    • Incorrect forecasts → face penalties (slashing)

  2. tAssets

    • The new generation of liquid staking tokens like tETH

    • Optimizes yield across multiple protocols

    • Supports building fixed-income products and interest rate derivatives

With DOR and tAssets, Treehouse can establish interest rate benchmarks such as:

  • TESR: Standard staking rate

  • TELR: Standard lending rate

  • TEBR: Standard borrowing rate

This will lay the groundwork for interest rate swaps, bonds, and structured on-chain products.

📈 Why Is This Important?

Without benchmark interest rates, DeFi cannot fully develop. Treehouse brings:

  • From fragmented interest rates → Unified interest rate benchmark (DOR)

  • From lack of fixed-income products → tAssets unlock real yield

  • From no swap market → DOR activates interest rate derivatives

Currently, TVL has exceeded 300 million USD, and the TREE token plays a central role in staking, governance, and data access across the ecosystem.

👀 Personal Perspective

DeFi has long been like building a house on sand — lacking a stable foundation. Treehouse is pouring concrete to create a solid foundation.

  • Has DOR → Has benchmark interest rates

  • Has tAssets → Has fixed income tools

  • Has interest rate benchmarks → Opens the way for on-chain interest rate derivatives market

No benchmark rate = No real market. Treehouse is solving that problem — could become the LIBOR of crypto.

♡𝐥𝐢𝐤𝐞💬 ➤ @Treehouse Official #Treehouse $TREE