Currently, there are two core pain points affecting the vitality of project ecosystems in the DeFi fixed income sector: First, the static nature of asset value scenario-based anchoring, where the anchoring logic (yield benchmarks, collateral rate calculations, liquidity rules) of most projects becomes long-term fixed once established, unable to adjust to dynamic scenario demands (such as changes in regional market interest rates, fluctuations in cross-border trade frequencies), leading to a decline in the adaptability of assets to scenarios over time, making it difficult to continuously meet user allocation needs; Second, the solidification of user participation in co-creation forms, where user co-creation in similar projects is often limited to 'fixed themes + unified processes', preventing users from choosing co-creation directions based on their own participation preferences (such as expertise in rule design or preference for scenario testing), resulting in low co-creation enthusiasm and conversion rates, and insufficient deep binding between users and projects.
In response to the above pain points, TreehouseFi innovatively constructs a 'dynamic anchoring of asset value in scenarios + user participation value modularized co-creation' dual-core architecture, focusing on the design and implementation of the project mechanism itself, enhancing scene adaptability through dynamic asset anchoring, and increasing participation flexibility through user co-creation modularization, forming the project's unique dynamic co-creation ecological barrier.
I. Dynamic anchoring of asset value in scenarios: Establish a dynamic adaptation mechanism between assets and scenarios
TreehouseFi breaks through the limitations of 'static anchoring' and designs a three-layer core mechanism around 'dynamic adaptation', allowing the logic of asset value anchoring to adjust in real-time according to scene demands, upgrading from 'fixed matching' to 'dynamic fitting'.
1. Basic anchoring dynamic iteration mechanism
The project sets a 'multi-dimensional anchoring factor pool' for core assets (tETH, tUSDC, mainstream RWA), where anchoring factors include scenario supply and demand data, market interest rate benchmarks, and asset risk levels. The core parameters of the assets (yield, collateral rate) are iteratively updated in real-time according to factor changes:
• tUSDC's basic yield anchoring 'decentralized interest rate benchmark (DOR) + scenario liquidity supply and demand': When the borrowing demand for tUSDC in the scenario exceeds supply by 15%, or DOR increases by 0.3%, the basic yield of tUSDC will be adjusted upward simultaneously, with the adjustment magnitude calculated according to the preset ratio (anchoring factor weight);
• The collateral rate anchoring for cross-border RWA is based on 'trade performance rate + target region exchange rate fluctuations': If the cross-border trade performance rate exceeds 98% for 7 consecutive days, or the target region's exchange rate fluctuations are below 1%, the RWA collateral rate will be automatically adjusted downward, with the adjustment logic executed through smart contracts, requiring no manual intervention;
• All anchoring factor weights and adjustment thresholds are publicly disclosed, and users can view real-time anchoring factor data and parameter adjustment records through the project's on-chain dashboard.
2. Differentiated anchoring mechanism for segmented scenarios
The project designs 'scenario-specific anchoring rules' for assets, avoiding a 'one-size-fits-all' anchoring approach, segmented by scenario types (cross-border trade, local small and micro enterprise lending, green asset allocation):
• In the lending scenario for local small and micro enterprises, the anchoring rules for tUSDC additionally include a 'business operation cycle factor': For seasonal small and micro enterprises, the repayment cycle of tUSDC is anchored to the peak season of business operations, allowing flexible adjustments to the repayment pace during peak seasons, while the liquidity quota of tUSDC is tilted towards these types of enterprises;
• In the green asset allocation scenario, the anchoring rules for green RWA include 'low-carbon performance factors': If the carbon reduction rate of the underlying projects of green RWA exceeds expectations, it can enhance the yield level of RWA; otherwise, it will be adjusted downward, matching the core needs of differentiated scenes through anchoring.
3. Mechanism for the transparency of anchoring rules
The project establishes an 'anchoring rule on-chain disclosure system' to ensure the entire process of dynamic anchoring of assets is traceable and verifiable:
• Real-time disclosure of the data sources for anchoring factors (such as DOR data from public oracles, trade performance rates from on-chain trade records), with data update frequency consistent with parameter adjustment frequency;
• After each parameter adjustment, an 'anchoring adjustment report' is automatically generated, including the factors that triggered the adjustment, calculation processes, and comparisons of parameters before and after the adjustment. The report is stored on-chain, and users can query the adjustment history of related assets through their wallet addresses;
• Changes to anchoring rules must be approved by community governance votes to prevent unilateral changes by the project party, ensuring rule stability.
II. User participation value can be modularized co-creation: Create a flexible collaboration system for user participation
TreehouseFi addresses the pain point of 'solidified co-creation forms' by designing a 'modular co-creation' system that breaks down co-creation into selectable modules, allowing users to participate based on preferences, upgrading from 'passive response' to 'active selection'.
1. Co-creation module decomposition mechanism
The project breaks down the ecological co-creation scenarios (rule design, scenario testing, demand research, risk monitoring) into 'independent co-creation modules', each corresponding to clear participation content and value feedback:
• Rule suggestion module: Users can submit optimization suggestions for asset anchoring rules and scenario equity distribution rules. Suggestions must include specific logic and feasibility for implementation and will be publicly displayed in the community after submission;
• Scenario testing module: Before the launch of new scenarios (such as new RWA configuration scenarios), a testing module is opened, allowing users to participate in functional testing, process verification, and provide feedback on issues found during testing;
• Demand research module: The project regularly initiates a demand research module, allowing users to fill in scenario needs and asset functional requirements. The research results serve as the core basis for project iteration;
• Each module corresponds to exclusive 'co-creation points', which can be obtained by participating in the module. Points can accumulate and are linked to subsequent co-creation rights.
2. Module self-combination mechanism
The project develops a 'co-creation module combination platform' that supports users in independently selecting single or multiple module combinations for participation, with different combinations corresponding to different co-creation rights:
• Combination of 'rule suggestion module + demand research module': After accumulating points to meet standards, users can unlock 'scenario rule initial screening rights' and participate in the preliminary screening of new scenario rules;
• Combination of 'scenario testing module + risk monitoring module': After accumulating points to meet standards, users can obtain 'priority testing rights for new assets' and participate in functional testing of new assets (such as new tAssets, RWA) in advance;
• Users can freely form 'module collaboration groups'. Members within the group participate in different modules, and the points after combination are distributed according to member contribution ratios. Collaboration rules are clarified through smart contracts.
3. Co-creation results closed-loop mechanism
The project establishes a closed-loop process of 'module co-creation - results implementation - feedback incentives' to ensure that user participation has feedback and value:
• The co-creation results of each module are regularly summarized (such as weekly publicizing rule suggestions, monthly publicizing testing feedback). The project team evaluates the results and marks them as 'adopted', 'to be optimized', or 'not implemented' with explanations;
• After the adopted co-creation results are implemented, 'co-creation contribution certificates' (ERC-1155 standard) are issued to users participating in the corresponding module. The certificates can be used to exchange rights (such as voting weight bonuses for asset anchoring rules, cross-scenario fee reductions);
• Regularly publish 'co-creation results implementation reports' to disclose the actual effects of implemented results (such as changes in scenario participation rates after rule optimization, stability of functions after testing feedback fixes), allowing users to perceive the value of co-creation.
III. Project ecological closed-loop and development direction
TreehouseFi constructs a project ecological closed-loop through the bidirectional interaction of 'dynamic asset anchoring' and 'user modular co-creation':
• Dynamic asset anchoring continuously enhances scene adaptability, attracting users to participate in the ecosystem; users propose needs and suggestions through modular co-creation, feeding back into the optimization of asset anchoring rules, making anchoring logic more aligned with scene and user needs;
• The two form a positive loop of 'asset adaptation attracting users - users co-creating and optimizing assets', continuously enhancing the competitiveness of the project ecosystem.
In the future, TreehouseFi will focus on three development directions around the core architecture:
1. Deepening dynamic anchoring: Expanding the types of anchoring factors (such as adding ESG factors and regional economic data factors), refining the granularity of anchoring rules for different scenarios to improve asset matching accuracy;
2. Modular co-creation optimization: A new 'custom co-creation module' function is added to support users in initiating custom modules based on specific needs (such as special testing modules for certain types of RWA), simplifying module combination and collaboration processes;
3. Enhancing ecological transparency: Upgrading the on-chain disclosure system to publicly display the implementation progress of co-creation results and the trend of changes in asset anchoring factors in real-time, enhancing users' trust in the project.
TreehouseFi's dual-core architecture focuses on project mechanism innovation and ecological construction, addressing the pain points of 'static asset anchoring and solidified user co-creation' in the DeFi fixed income field, while promoting the project from a 'single fixed income tool' to a 'dynamic co-creation ecological platform', providing a new paradigm for sustainable iteration in the DeFi fixed income sector.
