In the DeFi fixed income market, the "single-chain island" problem of "assets stuck on a single chain, income limited within the chain, and complex cross-chain operations" has long existed—assets staked on Ethereum find it difficult to participate in arbitrage opportunities on Arbitrum; income obtained on Mantle cannot be conveniently transferred back to Ethereum for use; during the cross-chain process, high fees and long arrival times deter users. TreehouseFi breaks out of the framework of "single-chain operations" by using DOR as a multi-chain interest rate collaborative hub to unify cross-chain pricing, a seamless cross-chain flow system for tAssets to break asset barriers, and low-friction cross-chain tools to reduce operational costs, constructing a multi-chain ecosystem of "asset cross-chain freedom, income multi-chain sharing, and zero threshold operation." This breakthrough from "single-chain limitations" to "multi-chain collaboration" not only maximizes the value of cross-chain assets but also becomes a highly adaptable fixed income infrastructure in the current crypto market.
I. Breaking cross-chain barriers: The synergistic logic of DOR and tAssets.
The core issue of "single-chain islands" lies in "cross-chain interest rate fragmentation, inefficient asset circulation, and high operational thresholds." The dual-core design of TreehouseFi precisely achieves "seamless multi-chain connection":
• DOR: Not just single-chain interest rates, but also a multi-chain pricing coordinator: Unlike the self-determined interest rates on each chain, which are unrelated, DOR generates a unified cross-chain interest rate benchmark through a "cross-chain Panelist node network + multi-chain supply-demand calibration." For example, data from December 2025 shows that the annualized TESR for Ethereum tETH is 4.8%, Arbitrum tETH is 5.1%, and Mantle tETH is 5.3%, with the difference between the three stabilizing in the range of 0.2%-0.3%. When the interest rate on a certain chain fluctuates by more than 0.5%, other chains adjust synchronously, avoiding "excessive cross-chain arbitrage space leading to asset runs." Currently, 38 cross-chain protocols have accessed DOR pricing, improving the efficiency of cross-chain asset allocation by 40%.
• tAssets: Not just single-chain certificates, but also cross-chain circulating tokens: Users can deposit ETH/stETH on any chain to obtain tAssets (such as tETH), supporting "cross-chain seamless circulation"—holding tETH on Ethereum allows users to transfer it for free within 10 minutes to Arbitrum or Mantle through the TreehouseFi cross-chain bridge, with profits automatically recalculated after transfer without the need for re-staking. More importantly, tAssets after cross-chain transfer can directly participate in local chain ecological scenarios, such as using tETH in Mantle for liquidity mining in native DeFi protocols, earning an additional 1.2% annualized income. Currently, the proportion of users participating in cross-chain circulation of tAssets has reached 52%, with the cross-chain asset scale exceeding 300 million USD.
II. Professional moat: From "cross-chain design" to "safe and efficient" hard support.
TreehouseFi's "multi-chain collaboration" is not a "simple cross-chain splicing" but ensures "assets are not lost in cross-chain, and circulation is efficient and convenient" through "cross-chain security guarantees, institutional-level cross-chain verification, and low-friction operations":
• Dual guarantees for cross-chain security: The protocol uses the LayerZero cross-chain protocol as the underlying cross-chain layer and simultaneously builds a "cross-chain asset reconciliation system"—checking every 5 minutes whether the total amount of tAssets on each chain matches the underlying assets. If a discrepancy occurs (such as lost cross-chain assets), a risk reserve of $19.5 million is immediately activated for compensation. In November 2025, a brief failure of a cross-chain bridge caused some assets to be delayed in arrival, and the system completed compensation within 2 hours, resulting in zero losses for users. Currently, the security rate of cross-chain assets remains at 100%, with no cases of asset loss.
• Institutional-level cross-chain "credibility verification": In mid-December 2025, TreehouseFi reached a partnership with RBC Global Asset Management to launch "institutional-level cross-chain products"—institutional users can dynamically allocate tETH between Ethereum and Arbitrum to capture multi-chain income differences, with funds crossing chains through a dedicated custody channel from RBC (jointly built with Fireblocks) to ensure compliance and security. The first fundraising scale exceeded $75 million, with cross-chain allocation accounting for 60%, validating the institutional demand for "multi-chain synergy."
• Low-friction operation for "universal adaptation": For ordinary users, TreehouseFi simplifies the cross-chain process—users click the “cross-chain” button on the official website, select the target chain and amount, and the system automatically completes gas fee optimization (saving an average of 30% in fees) and arrival reminders without the need for manual cross-chain parameter settings. It also supports "automatic aggregation of cross-chain earnings," allowing multi-chain tAssets earnings to be automatically summarized to the user's designated chain wallet, avoiding cumbersome multi-chain operations. Currently, the cross-chain operation completion rate for users has increased from 45% to 92%, and the average cross-chain time has been reduced from 30 minutes to 10 minutes.
III. Trend alignment: Anchoring the market increment of "multi-chain integration."
The current crypto market is shifting "from 'single-chain competition' to 'multi-chain integration,'" and TreehouseFi's multi-chain collaborative design precisely aligns with the core trend of "cross-chain asset optimization":
• Institutional multi-chain allocation needs: When traditional asset management institutions lay out the crypto market, they require "multi-chain diversified allocation" to reduce risk. TreehouseFi's cross-chain system meets their needs for "efficient cross-chain and unified management." Currently, 29 traditional asset management institutions have achieved dynamic allocation of tAssets across Ethereum, Arbitrum, and Mantle through its platform, with the comprehensive annualized yield of assets being 1.6%-1.9% higher than single-chain allocation, and risk volatility reduced by 25%.
• Integration of multi-chain RWA: Unlike similar projects that focus on "single-chain RWA on-chain," TreehouseFi has launched the "multi-chain RWA-tAssets package"—users can leave 50% of tETH on Ethereum to earn basic income (4.8%), transfer 30% to Arbitrum to participate in RWA arbitrage (5.1%+1.2%), and transfer 20% to Mantle to participate in local RWA projects (5.3%+0.8%), achieving "multi-chain income stacking." The minimum investment is $100, attracting over 9,000 retail users in the first phase, with a cross-chain participation rate of 65%.
• Optimization of "multi-chain simplification" for retail users: For novice users, TreehouseFi launched a "multi-chain income recommendation tool"—inputting "risk preference and capital scale" automatically recommends the optimal cross-chain combination of "Ethereum steady storage + Arbitrum arbitrage," and displays "cross-chain fees, expected income, arrival time" in real-time; at the same time, a "multi-chain asset dashboard" has been launched, allowing users to view all chains' tAssets holdings and earnings on one page, avoiding switching between multiple chain wallets. Currently, the multi-chain allocation rate for retail users has increased from 20% to 55%, significantly improving asset utilization efficiency.
The essence of TreehouseFi's innovation is to be a "multi-chain connector" for DeFi fixed income—using DOR to unify multi-chain pricing, breaking asset barriers with tAssets, and reducing cross-chain barriers with low-friction tools. As the multi-chain ecosystem continues to integrate, institutional cross-chain allocation needs rise, and retail users' awareness of "earning income from multiple chains" increases, its value as a "multi-chain fixed income hub" will become more prominent. For users, whether they are ordinary people wanting to "diversify risk across chains" or institutions needing to "optimize cross-chain allocation," TreehouseFi provides a solution of "not needing repeated operations and easily winning income across chains," while the $TREE token, as the rule-maker for multi-chain collaboration and the core of income distribution, will continue to release long-term value in the wave of multi-chain integration.@Treehouse Official
