In the DeFi fixed income market, user assets often remain in a 'deposited yet idle, relying solely on basic staking for returns, and disconnected from ecological opportunities' passive state—after staking 1 ETH, users can only wait for fixed interest payments, unable to participate in arbitrage, voting, and other value-added activities of the protocol ecology, nor enjoy the dividends from cooperative projects, severely limiting asset value. TreehouseFi breaks out of the 'passive income' framework by linking value-added scenarios with DOR ecological opportunity interest rates and unlocking asset rights with tAssets as active rights carriers, while lightweight participation tools lower value-added thresholds, constructing an active value-added ecology of 'basic income guarantee, ecological opportunity income increase, and rights participation dividends'. This breakthrough from 'passive idleness' to 'active value addition' not only brings assets 'to life' but also establishes a fixed income infrastructure with significant rights value in the current crypto market.
1. Activating passive assets: The value-added logic of DOR and tAssets.
The core issue of 'passive assets' lies in the 'disconnection between returns and ecology, and the lack of rights attributes for assets', and TreehouseFi's dual-core design accurately achieves 'active value addition':
• DOR: More than just a basic interest rate, it is an 'indicator' for ecological opportunities: Unlike rates that only provide fixed income, DOR synchronizes high-value value-added scenarios in real-time through 'Panelist staking $TREE to mine ecological opportunities + multi-scenario income calibration'. For example, data from the end of December 2025 showed that DOR not only publicized a basic annualized rate of 4.9% for tETH but also indicated that 'participating in Aave lending arbitrage can additionally earn 1.3%, and staking supports RWA project dividends of 0.8%', allowing users to jump to the corresponding scenario with one click based on DOR prompts. Currently, based on DOR-recommended value-added scenarios, users' average earnings have increased by 35%-40%, with an ecological opportunity conversion rate of 58%.
• tAssets: More than just income certificates, they are the 'key' to active rights: Users holding tAssets (such as tETH) break through the limitation of 'only earning interest'—they can be used to vote on ecological cooperation direction (such as whether to integrate the Solana RWA project), and upon passing the vote, users receive Nuts points as rewards; they can be staked to TreehouseFi's partnered startup protocols to receive project token airdrops (for example, in November 2025, users staking tETH received 10% token dividends from a cross-chain protocol); they can also participate in the 'tAssets rights marketplace', exchanging idle tAssets for cooperation platform fee discounts, priority subscription rights, and other benefits. Currently, the proportion of users participating in tAssets rights is 55%, with active value-added income reaching as high as 28%.
2. Professional moat: A hard support from 'active value addition' to 'safety and control'.
TreehouseFi's 'active value addition' is not 'high-risk speculation', but ensures 'value addition without stepping on landmines' through 'rights isolation, institutional endorsement, and risk backing':
• 'Risk protection' through rights isolation: The protocol strictly separates basic income from active value-added income—basic income is 100% backed by underlying ETH/stETH, ensuring full payment regardless of ecological opportunity gains or losses; active value-added income (such as arbitrage, airdrops) is calculated separately, with losses not affecting basic income; in voting, staking, and other links, users can choose whether to participate, avoiding 'forced risk bearing'. Currently, the user loss rate for active value-added scenarios is below 2%, all involving controllable small fluctuations, with no impact on basic income.
• 'Value-added credibility' backed by institutions: At the end of December 2025, TreehouseFi cooperated with Intesa Sanpaolo Asset Management in Italy to launch 'institution-grade active value-added products'—institutional users holding tETH can earn an additional 4.9% basic annualized return and participate in TreehouseFi-selected 'low-risk RWA arbitrage projects' (such as European green bond cross-market arbitrage), with returns audited by Intesa Sanpaolo's risk control department, raising over $80 million in its first round, becoming the first DeFi protocol to achieve 'active value-added' for top-level bank asset management in Southern Europe.
• 'Safety guarantee' through risk backing: The protocol's risk reserve fund has expanded to $21 million alongside the growth of active value-added scenarios, covering not only basic income risks but also establishing a 'loss compensation pool' for active value-added scenarios—when users experience losses in low-risk scenarios recommended by DOR (marked 'Risk Level: Low'), the compensation pool will reimburse 50% of the losses (with a single user cap of $10,000 per occurrence). In December 2025, a short-term fluctuation in an RWA project led to slight user losses, and the system completed compensation within 48 hours, achieving a user satisfaction rate of 98%.
3. Trend alignment: Anchoring the market increment of 'asset automation'.
Currently, the crypto market is seeing 'users shift from passive wealth management to active money management', and TreehouseFi's active value-added design precisely aligns with the core trend of 'asset rightsization':
• Institutional active allocation demand: Traditional asset management institutions are no longer satisfied with 'fixed income', but require 'low-risk, controllable active value-added opportunities'; TreehouseFi's 'basic + active' model meets their need for 'stable foundation and opportunity income increase'. Currently, 31 traditional asset management institutions have participated in active value-added scenarios through its platform, bringing in over $230 million in funds, with comprehensive annualized assets exceeding pure fixed income by 1.8%-2.1%.
• Deep integration of ecological rights: Unlike similar projects' 'fragmented rights', TreehouseFi launched the 'tAssets rights aggregation package'—users holding 1 tETH can simultaneously unlock 'basic income + RWA arbitrage qualification + cooperative protocol airdrop rights', without needing to participate in multiple scenarios separately. For example, the 'Christmas Rights Package' launched in December 2025 allowed users to average 5.8% basic income + 1.2% arbitrage income + 0.5% token airdrop within 30 days of participation, attracting over 9,500 retail users, with a rights participation rate of 72%.
• Retail users' 'simple active' optimization: For ordinary users, TreehouseFi launched the 'Active Value-Added Guide'—using short videos to explain 'how to earn points through voting with tAssets and stake to receive airdrops'; introduced the 'One-Click Participation' feature, allowing users to choose interesting value-added scenarios (such as 'low-risk arbitrage'), with the system automatically completing operations without the need for manual integration with multiple protocols. Currently, the active value-added participation rate for retail users has increased from 25% to 60%, and the average operation time has been reduced from 20 minutes to 3 minutes.
The essence of TreehouseFi's innovation is to act as an 'asset activator' for DeFi fixed income—linking ecological value-added opportunities with DOR, unlocking active asset rights with tAssets, and lowering participation thresholds with lightweight tools. As institutional active allocation demand rises, retail users' 'money management awareness' increases, and ecological rights scenarios expand, its value as an 'active fixed income hub' will become increasingly prominent. For users, whether ordinary people wanting 'basic stable earnings with occasional extra profits' or institutions needing 'controllable active opportunities', TreehouseFi provides a solution that allows 'active asset value addition without specialized knowledge', while the $TREE token, as the core of ecological rights rules and value-added dividend distribution, will continue to release long-term value in the wave of asset automation.
