Currently, the DeFi fixed income sector faces two core pain points that restrict ecological value explosion: first, a lack of asset value scenario resonance; in most similar projects, tAssets (tETH/tUSDC) and RWA are only 'function stacking', unable to generate additional value through resonance — the credit record of staked tETH can only reduce its own collateral rate, and cannot amplify returns in conjunction with RWA's cash flow; the risk mitigation ability of RWA only applies to a single scenario and cannot provide dual support of 'credit + liquidity' for tUSDC across chains. The 'resonance appreciation effect' between assets and scenarios has not been activated, and the 'extra yield space' for institutional cross-scenario allocations is less than 8%; second, user participation value lacks fission. The participation rewards of similar projects are mostly 'linear accumulation' (100 points for participating once), lacking a 'fission amplification' mechanism — users only receive a small fee discount for inviting friends, and the value they accumulate cannot be doubled through fission. The driving force of long-term participation's 'user circles' is weak, with a conversion rate of less than 20% for retail users inviting others.

In response to the above pain points, TreehouseFi innovatively constructs a 'dual-core architecture of asset value scenario resonance + user participation value fission change'. Through three major designs — resonance amplification mechanism, fission appreciation system, and ecological collaboration feedback — it enables the resonance between assets and scenarios to generate incremental value. User participation value achieves multiple growth through fission, addressing the core needs of target users (institutions demanding resonance income and segmented retail users), while forming the project's differentiated competitive edge of 'resonance + fission'.

I. Asset value scenario resonance: breaking the 'function stacking' of project asset end

TreehouseFi breaks through the limitations of similar projects' 'asset scenario isolation', innovatively designing a 'three-layer resonance system', relying on resonance contracts and multi-asset linkage pools to achieve the upgrade from 'asset-scenario' function stacking to 'resonance appreciation', releasing a value effect of 1 + 1 > 2.

1. Resonance Pricing: Mutual amplification of returns

The income parameters of assets and scenarios are linked, where appreciation on one side drives an increase in income on the other side:

• In the 'tETH + green energy RWA' resonance scenario, for every additional 30 days of continuous holding of tETH (after 120 days), RWA's coupon yield (base 3.8%) increases by 0.2%; simultaneously, if RWA's monthly repayment rate exceeds 98%, tETH's staking annualized return (base 5.2%) adds 0.1%, forming a 'two-way driving' pricing logic. A certain institution allocates 1000 tETH + $500,000 green RWA, and due to resonance pricing, the quarterly comprehensive yield is $18,000 more than a single allocation.

2. Resonance Risk Control: Risks offset each other

The risk factors of assets and scenarios complement each other, reducing overall risk exposure:

• The cross-chain liquidity data of tETH (e.g., cross-chain success rate ≥ 99.5%) can offset part of RWA's credit risk, reducing the RWA collateral ratio from 1.5 times to 1.3 times.

• RWA's full repayment record (e.g., no delays for six consecutive periods) can supplement the liquidity risk buffer of tUSDC. When the redemption demand for tUSDC exceeds 25%, RWA cash flow will prioritize advance payments. During a peak redemption period for tUSDC, resonance risk control keeps the user redemption rate at 100%, reducing risk exposure by 55%.

3. Resonance Appreciation: Collaborative creation of new rights

Development of exclusive rights through asset and scenario resonance, expanding income sources:

• In the 'tUSDC + cross-border trade RWA' resonance scenario, both parties collaboratively launch the 'Cross-Border Resonance Certificate', allowing users holding the certificate to simultaneously enjoy a tUSDC cross-chain fee reduction (0.1%) and RWA trade dividends (5% of monthly income). This resonance appreciation increases the comprehensive annualized return of the portfolio by 0.7 percentage points.

II. User participation value fission change: solving the 'linear accumulation' of project user end

TreehouseFi addresses the issue of 'no amplification of participation value' in similar projects by innovatively developing a 'fission appreciation system'. Through a three-step process of 'fission base points - triggering conditions - multiplicative amplification', users can achieve multiple growth of participation value, forming a fission effect where 'the broader the participation, the more value'.

1. Accumulation of fission base points

User participation behavior (governance voting, liquidity provision, risk monitoring) is converted into 'fission base points', which are permanently valid:

• Participating in 1 effective governance vote earns 100 base points, providing $1000 liquidity for 7 days earns 50 base points, effectively inviting 1 friend to join earns 300 base points, a certain retail user accumulated 2000 base points over 3 months, laying the foundation for fission.

2. Fission Trigger and Amplification

After meeting the triggering conditions (inviting friends, deep participation), base points are amplified by multiples:

• Inviting fission: For each friend invited who completes KYC and allocates assets, existing base points × 1.1 times (up to × 2 times). A certain user invited 5 friends, increasing from 2000 base points to 3221 base points.

• Deep fission: Number of participation scenarios per month ≥ 3 (staking + lending + RWA), new base points for the month × 1.2 times. A certain user participated in 4 scenarios in a month, increasing from 500 base points to 600 base points, with significant fission amplification effects.

3. Flexible realization of fission value

The total base points after fission can be exchanged for 'high-level rights' or 'asset income bonuses':

• A total of 3000 base points can be exchanged for 'RWA preferential subscription rights ($40,000 quota)', and 5000 total base points can be exchanged for 'resonance rule suggestion rights' (e.g., adjusting the resonance income ratio between tETH and RWA).

• It can also be directly exchanged for 'resonance income bonus coupons' (3000 base points exchanged for a 0.4% bonus, valid for 1 year). After a certain user exchanges, the annualized return of a $100,000 portfolio increases from 5.5% to 5.9%, earning an additional $400 annually.

This system has increased TreehouseFi's retail user invitation conversion rate from 20% to 78%, with a monthly growth of 60% in user fission base points. Institutional users, due to 'resonance rule suggestion rights', have increased their ecological participation frequency by 4.8 times compared to the early stage.

III. Ecological Collaboration and Development Path

TreehouseFi relies on 'resonance-fission collaborative contracts' to form a closed loop of 'asset resonance improving income → attracting user participation in fission → user fission driving ecological expansion → expansion feeding back to optimize resonance rules': asset resonance attracts institutional allocations, users invite friends and participate deeply to obtain fission value, promoting ecological TVL growth, thereby optimizing resonance parameters (such as increasing the types of resonance scenarios) and releasing more incremental value.

In the next 12 months, the project will add a 'Supply Chain RWA + Layer 2 tAssets' resonance combination and launch a 'fission value visualization tool' (real-time display of base points amplification progress), aiming to attract 120 institutions (currently 35), with retail users surpassing 350,000 (currently 90,000), and ecological TVL increasing from $1.6 billion to $4.5 billion, entering the top 10 in DeFi fixed income project TVL rankings, becoming an industry benchmark for 'scenario resonance and value fission'.

TreehouseFi's dual-core architecture not only solves the pain points of DeFi fixed income 'function stacking and linear accumulation' but also promotes the project from a 'single income tool' to a 'resonance-type fission ecology', providing a new paradigm for the scaling and segmentation of global fixed income asset allocation.