Currently, there are two core pain points that restrict the depth of ecological symbiosis in the DeFi fixed income field: First, the lack of asset value scenario symbiosis. In most similar projects, tAssets (tETH/tUSDC) and RWA are only in a 'simple coexistence' relationship—tETH staking only generates independent returns and cannot reduce the issuance cost of RWA; the stable cash flow of RWA also cannot provide liquidity support for tUSDC cross-chain transactions, and there is a lack of symbiotic logic of 'mutual dependence and co-value addition' between assets and scenarios, resulting in the 'synergistic benefits' of institutional cross-scenario allocation being less than 10%; Second, insufficient user participation value penetration, where the participation value (such as points and rights) of similar projects is only limited to a single scenario—'credit points' earned in the staking scenario cannot be used for RWA investment or cross-chain operations, requiring users to accumulate value repeatedly in different scenarios, resulting in a weak sense of 'ecological belonging' for long-term participation, with the retail user participation rate in all scenarios being below 25%.

In response to the aforementioned pain points, TreehouseFi innovatively constructs a dual-core architecture of 'asset value scenario symbiosis + user participation value penetration', enabling mutual empowerment between assets and scenarios through three major designs: symbiotic pricing mechanism, full-scenario value penetration system, and ecological synergy feedback, solving the core needs of target users (coordinated allocation institutions and retail users participating in all scenarios) and forming a differentiated barrier of 'symbiotic penetration' for the project.

1. Asset Value Scenario Symbiosis: Breaking the 'Simple Coexistence' of Project Assets

TreehouseFi breaks through the limitations of similar projects' 'asset scenario isolation', innovatively designing a 'three-layer symbiotic system', relying on symbiotic contracts and multi-asset collaborative pools to achieve the upgrade from 'coexistence' to 'symbiosis' between 'assets and scenarios', releasing the collaborative value addition space.

1. Symbiotic Pricing: Income Linkage Binding

The core parameters (income, collateral rate) of assets and scenarios are linked in pricing, with changes on one side inversely affecting the other:

• In the 'tUSDC + cross-border RWA' symbiotic scenario, tUSDC income is anchored to RWA trade volume—when the monthly trade volume of RWA exceeds $50 million, the base annualized return of tUSDC (3.8%) increases by 0.3%; conversely, when tUSDC cross-chain liquidity exceeds demand by 20%, the RWA collateral rate is reduced by 2%, forming a pricing logic of 'one side benefits, both sides gain'. An institution that allocated this combination saw a quarterly synergistic return 1.5 percentage points higher than single allocation.

2. Symbiotic Risk Control: Mutual Risk Buffering

Assets and scenarios share a risk pool, mutually hedging against fluctuations:

• 10% of the service fee from tETH staking assets is injected into the 'symbiotic risk pool'. When the cash flow of the underlying RWA assets fluctuates in the short term, the risk pool prioritizes covering RWA returns to ensure stable user earnings;

• Meanwhile, 20% of the RWA margin supplements the tUSDC cross-chain liquidity pool. When the demand for tUSDC cross-chain surges, the RWA margin automatically releases liquidity. At one stage, the demand for tUSDC cross-chain exceeded expectations by 30%, and the RWA margin was timely supplemented, maintaining a cross-chain success rate of 99.8%.

3. Symbiotic Value Addition: Creating New Value Collaboratively

Assets and scenarios collaboratively develop new rights, expanding sources of income:

• In the 'tETH + green energy RWA' symbiotic scenario, tETH holders can convert their staking credit into 'green rights certificates', which can be used to redeem priority subscription rights for green RWA;

• The redemption yield of green RWA extracts 15% to subsidize the 'green staking yield' of tETH, increasing the annualized yield of tETH by an additional 0.2%, with symbiotic value addition enhancing the overall yield of the combination by 12%.

2. User Participation Value Penetration: Solving Project User Side's 'Scenario Isolation'

In response to the pain point of 'value scenario fragmentation' in similar projects, TreehouseFi has innovatively developed a 'full-scenario value penetration system', allowing seamless circulation of user participation value across 'staking-lending-RWA-cross-chain' through penetration records, penetration realization, and penetration value addition.

1. Record of Participatory Value Penetration

All user participation behaviors (governance voting, liquidity provision) are recorded in the 'full-scenario penetration ledger', with data fully interconnected across the ecosystem:

• In the lending scenario, 100 'penetration value' obtained from voting on risk rules is simultaneously credited to the user accounts in the staking and RWA scenarios, eliminating the need for repeated accumulation. A retail user achieved a penetration value of 800 within one month through participation across multiple scenarios, accumulating three times faster than in a single scenario.

2. Realization of Participatory Value Penetration

Penetration value can be redeemed for rights in any scenario, with no scenario restrictions:

• 1000 penetration value can be redeemed in the staking scenario for a '3% reduction in staking rate', in the RWA scenario for a '0.1% reduction in fees', and in the cross-chain scenario for 'enhanced cross-chain priority';

• A user used 500 penetration value to redeem priority subscription rights in the RWA scenario, then used the remaining 300 penetration value to reduce fees in the cross-chain scenario, achieving a full-scenario usage rate of penetration value of 94%, far exceeding the single scenario usage rate (45%) of similar projects.

3. Participatory Value Penetration and Value Addition

When the accumulation of penetration value reaches a threshold, all-scenario rights are upgraded simultaneously:

• With a penetration value exceeding 10,000, the staking rate in the staking scenario can be reduced by 2%, the subscription amount in the RWA scenario can double, and the cross-chain scenario fee can be reduced by another 0.05%, achieving 'one-time accumulation, benefiting all scenarios';

• A core user with a penetration value of 20,000 saw their rights upgraded across all scenarios, with the tETH staking rate decreasing from 92% to 87%, the RWA subscription amount increasing from $20,000 to $40,000, and cross-chain fees decreasing from 0.1% to 0.05%, resulting in an overall return increase of 0.8 percentage points.

This system has increased TreehouseFi retail users' participation rate in all scenarios from 25% to 82%, with a monthly growth of 40% in user penetration value, and the proportion of institutional users' cross-scenario allocation has increased by 3.5 times compared to the initial stage.

3. Ecological Collaboration and Development Path

Relying on the 'symbiotic-penetration collaborative contract', TreehouseFi forms a closed loop of 'asset symbiosis enhancing returns → attracting users for full-scenario participation → user penetration value feeding back to optimize asset symbiosis rules': asset symbiosis attracts institutional allocation, users deepen full-scenario participation to obtain penetration value, thereby promoting the optimization of symbiotic rules (such as adjusting the risk pool allocation ratio between tETH and RWA), feeding back into asset symbiosis efficiency.

In the next 12 months, the project will add a 'supply chain RWA + Layer 2 tAssets' symbiotic combination, launch a 'penetration value visualization dashboard', aiming to attract 110 institutions (currently 30), and increase retail users to over 300,000 (currently 80,000), with the ecological TVL growing from $1.4 billion to $4 billion, entering the top 10 in DeFi fixed income project TVL rankings, becoming an industry benchmark for 'scenario symbiosis and value penetration'.

TreehouseFi's dual-core architecture not only solves the pain points of 'simple coexistence and scenario isolation' in DeFi fixed income but also promotes the project from a 'single tool' to a 'symbiotic penetrating ecosystem', providing a new paradigm for the collaborative and all-scenario allocation of global fixed income assets.