In the DeFi fixed income market, the long-standing cross-domain value gap of 'on-chain assets failing to connect with off-chain value, disconnection between crypto income and real services, and blocked cross-border value-added channels' exists—users earning yields from staking ETH on-chain cannot directly exchange them for offline services (such as healthcare, education); when transferring assets cross-border, they face high fees and cumbersome compliance processes; and high-quality off-chain assets (such as physical infrastructure) are difficult to efficiently access the on-chain income system, creating a value split between 'on-chain and off-chain, domestic and international'. TreehouseFi breaks out of the limitations of 'on-chain closed loops' by linking universal value through DOR's cross-domain interest rate coordination hub, breaking scenario barriers with tAssets cross-domain payment certificates, and clearing value links with compliant cross-border channels, constructing a universal empowerment ecosystem of 'on-chain interest earning - off-chain spending - cross-border value-added - real services'. This breakthrough from 'on-chain islands' to 'universal circulation' not only integrates DeFi fixed income into the real economy but also becomes a fixed income infrastructure with significant cross-domain value in the current crypto market.
1. Connecting Cross-Domain Links: The Universal Logic of DOR and tAssets
The core issue of the 'cross-domain value gap' lies in 'the disconnection between on-chain and off-chain, the blockage between domestic and foreign, and the lack of real scene attributes for assets'. TreehouseFi's dual-core design precisely realizes 'universal value circulation':
• DOR: More than just on-chain interest rates, but also a 'pricing anchor' for cross-domain value: Unlike interest rates that only serve on-chain scenarios, DOR generates a cross-domain adaptable interest rate system through 'on-chain capital supply and demand + off-chain asset yields + cross-border exchange rate calibration'—users exchange tAssets for offline healthcare services, DOR provides a 'consumption subsidy rate' (base annualized 4.9% + 0.5% healthcare deduction voucher); participate in cross-border RWA investments (such as Southeast Asian solar projects) with tAssets, DOR gives 'cross-border value-added rates' (base annualized 4.9% + 0.8% exchange rate hedging returns); even use tAssets to pay for children's overseas tuition, DOR supports 'education discount rates' (base annualized 4.9% + 0.3% tuition reduction). Data from early April 2026 shows that users based on DOR's cross-domain interest rates have comprehensive returns 25%-30% higher than pure on-chain scenarios, with a cross-domain scenario conversion rate of 65%.
• tAssets: More than just on-chain certificates, but also a 'value carrier' for cross-domain circulation: Users holding tAssets (such as tETH) break the limitation of 'only on-chain circulation'—they can be directly consumed at over 200 global partner offline merchants (such as Rakuten in Japan, King Power Duty-Free in Thailand, supporting a 1:1 real-time exchange rate for local currency); can complete cross-border transfers of 'tETH→USDC→fiat currency' through TreehouseFi's compliant cross-border channel within 1 hour (with a fee of only 0.8%, far lower than the 3%-5% rates of banks); and can also be pledged to off-chain institutions (such as Southeast Asian microloan companies) to obtain dual yields of 'tAssets staking + real credit' (annualized 5.7% + credit service fee sharing). Currently, the proportion of users utilizing tAssets across domains has reached 60%, with the scale of off-chain consumption and cross-border value-added assets exceeding 400 million USD.
2. Professional Moat: From 'Cross-Domain Design' to 'Safety and Compliance' Hard Support
TreehouseFi's 'universal value addition' is not 'disordered expansion', but ensures 'cross-domain safety' through 'compliant cross-border channels, endorsement by off-chain institutions, and cross-domain risk isolation':
• Dual Guarantee of 'Compliance Cross-Border Technology + Qualifications': The protocol collaborates with 12 licensed payment institutions worldwide (such as Stripe in the US, Nium in Singapore) to open compliant exchange channels for 'tAssets-fiat currency', ensuring all cross-border operations comply with FATF anti-money laundering rules and local foreign exchange regulatory requirements (such as Hong Kong VCC license, EU EMD2 license). At the same time, a 'on-chain confirmation + off-chain custody' model is adopted—when tAssets transfer cross-border, the underlying assets are held in custody by State Street, and on-chain assets are released only after funds are credited, avoiding 'money and goods going empty'. In March 2026, this channel processed a maximum cross-border amount of 15 million USD in a single day, with a 100% success rate for fund arrival, and no compliance risk incidents occurred.
• The 'real credibility' endorsed by off-chain institutions: In early April 2026, TreehouseFi reached a 'cross-domain ecological cooperation' with Allianz Global Investors—Allianz will connect its managed European healthcare infrastructure RWA assets (annualized 5.5%) to TreehouseFi, allowing users holding tAssets to directly invest in this project and obtain returns; at the same time, Allianz's healthcare institutions provide 'medical service discounts' for tAssets users (85% discount on health check-ups based on tAssets holdings), achieving a closed loop of 'on-chain investment - off-chain healthcare'. The initial fundraising scale exceeded 130 million USD, with 62% of users choosing the combination of 'investment + medical services', validating the attractiveness of cross-domain value.
• Precise Protection of Cross-Domain Risk Isolation: The protocol strictly isolates risks in on-chain, off-chain, and cross-border scenarios—on-chain staking yields are 100% backed by underlying ETH/stETH; off-chain consumption of tAssets is only used for payment and does not participate in high-risk investments; funds for cross-border transfers are backed by third-party payment institutions with 'risk reserves' (0.1% of each transaction is set aside as reserves, currently reaching 6 million USD), and if losses occur due to exchange rate fluctuations or compliance issues, reserves are prioritized for compensation. Currently, the user risk complaint rate in cross-domain scenarios is less than 0.15%, and no cases of risk transmission across scenarios have occurred.
3. Trend Fit: Anchoring the Market Increment of 'Universal Finance'
The current crypto market is shifting 'from an on-chain self-circulation to a universal value integration', and TreehouseFi's cross-domain design precisely hits the core trend of 'crypto empowering reality':
• Institutional Cross-Domain Allocation Needs: Traditional asset management institutions urgently need to 'connect on-chain and off-chain assets', and TreehouseFi's cross-domain system has become an important vehicle. For example, BlackRock's 'Global Infrastructure Crypto Allocation Plan' invests 5% of funds into on-chain tAssets and 95% into off-chain RWA through TreehouseFi, achieving 'risk diversification + universal value addition', with the management scale exceeding 200 million USD in the first quarter.
• Integration of Cross-Border Livelihood Scenarios: TreehouseFi has launched the 'tAssets Remittance Service' targeting cross-border workers—users can exchange tAssets for local currency overseas, and their families in the domestic market can directly withdraw fiat currency through partner banks (such as BDO Bank in the Philippines) with a fee of only 0.5%, and the arrival time has been shortened from 3 days to 1 hour. Currently, this service covers 8 countries in Southeast Asia, with an average monthly remittance amount reaching 8 million USD and a user satisfaction rate of 94%.
• Optimization of 'Simple Cross-Domain' for Retail Users: For ordinary users, TreehouseFi has launched a 'Cross-Domain Service Guide'—using graphics and text to explain 'how to use tAssets to pay for overseas tuition, how to exchange for offline consumption vouchers'; and introduced a 'One-Click Cross-Domain' feature, allowing users to choose 'cross-border investment/offline consumption' scenarios, with the system automatically completing compliance verification and process docking, eliminating the need for manual submission of materials. Currently, the usage rate of cross-domain services for retail users has reached 70%, and the operation time has been reduced from 1 hour to 10 minutes, truly realizing 'easily unlocking universal value'.
The essence of TreehouseFi's innovation is to serve as a 'cross-domain value connector' for DeFi fixed income—linking on-chain and off-chain, domestic and international yield demands with DOR, endowing assets with universal circulation attributes through tAssets, and clearing value links via compliant channels. As the trend of universal finance deepens, institutional cross-domain allocation needs rise, and retail users' awareness of 'crypto integrating into life' strengthens, its value as a 'universal fixed income hub' will become increasingly prominent. For users, whether ordinary people wanting 'on-chain yields for offline services' or institutions needing 'cross-border asset optimization', TreehouseFi provides a solution of 'enjoying value-added services universally without switching multiple platforms', while the $TREE token, as the core rule maker and value distributor of the ecosystem, will continue to release long-term value in the wave of universal finance.
