In the DeFi fixed income market, barriers to entry for beginners have long existed due to 'complex terminology, multi-step operating processes, and high risk awareness thresholds'—zero-based users often feel overwhelmed by terms like 'staking, cross-chain, gas fees', and completing a single ETH staking involves more than 6 steps including 'creating a wallet, recharging, authorizing, selecting nodes', and can incur high fees due to operational errors; risk alerts are often technical statements, making it difficult for beginners to assess the actual impact of 'liquidation risks and slippage losses', ultimately leading to 'DeFi fixed income becoming exclusive to professional users, with the general public struggling to participate'. TreehouseFi breaks away from the 'technology-focused' design inertia by lowering the understanding threshold of earnings through the DOR beginner-friendly interest rate center, simplifying participation processes with the tAssets minimalist operating system, and clearing cognitive barriers with layered educational tools, thus constructing a 'popular terminology, one-click operation, and visualized risks' ecosystem for all. This breakthrough from 'professional exclusivity' to 'universal enjoyment' not only expands the user base of DeFi fixed income but also establishes a highly inclusive fixed income infrastructure in the current crypto market.
I. Bridging the Entry Barrier: The Minimalist Logic of DOR and tAssets
The core issue of the 'beginner entry barrier' lies in 'cognitive mismatch, overly complex operations, and incomprehensible risks'. TreehouseFi's dual core design accurately realizes 'universal participation':
• DOR: More than just a professional interest rate, it is an 'earnings scale' that is easy for beginners to understand: Unlike other protocols that 'only indicate annualized + technical parameters', DOR reduces the understanding threshold with 'everyday expressions + intuitive comparisons'—transforming 'annualized 4.8% tUSDC' into '1 year earning 480 yuan on a 10,000 yuan deposit, double that of bank investment'; indicates 'no lock-up, available anytime' instead of 'flexible liquidity certificate'; risk warnings are presented as 'worst case: short-term earnings fluctuations do not exceed 1%, principal will not be lost' instead of 'maximum drawdown ≤1%'. Data by the end of September 2026 shows that the accuracy of beginner users' understanding of DOR interest rates reached 93%, which is 60% higher than the industry average, completely ending the dilemma of 'not understanding earnings rules'.
• tAssets: More than just professional certificates, they are 'investment tools' that are easy for beginners to operate: Users can participate in tAssets investments in just three steps—1. Bind a commonly used payment method (supports bank cards/Alipay/WeChat, no need to create an independent wallet); 2. Choose the 'Beginner Safety Package' (default configuration '100% low-risk tUSDC, annualized 4.6%'); 3. Enter the amount to confirm the investment, and the system automatically completes underlying operations like staking and authorization, so beginners do not need to deal with on-chain terminology. Meanwhile, the tAssets interface hides professional functions such as 'cross-chain and node selection', keeping only core operations like 'viewing earnings and one-click redemption', with funds credited to the bound account within one hour. Currently, the proportion of beginner users of tAssets has reached 68%, and the first operation completion rate has increased from the industry average of 35% to 98%, with operating time reduced from 30 minutes to 2 minutes.
II. Professional Moat: From 'Minimalist Design' to 'Safe Inclusiveness' as a Hard Support
TreehouseFi's 'universal friendliness' does not mean 'simplifying functions at the cost of security', but rather ensures that 'beginners do not fall into pitfalls' through 'transparent underlying logic, institution-level beginner protection, and risk bottom line mechanisms':
• 'Popularization and Transparency' of Underlying Logic: The protocol publicizes the underlying tAssets in the form of a 'Beginner User Manual'—for example, the 'Beginner Safety Package' page clearly states, 'Your funds are actually invested in USDC staking projects managed by Coinbase, supported by Lido, with no losses over the past three years'; it uses comics to explain 'why you can withdraw anytime' ('The protocol has a dedicated liquidity pool that prioritizes redemption from the pool'); it regularly pushes 'Beginner Investment Weekly Reports', using expressions like 'This week's earnings are 12 yuan, equivalent to the cost of 2 cups of milk tea' to enhance the perception of earnings. All underlying data (such as custodial account balance, liquidity pool size) can be viewed through a simplified dashboard that is 'beginner-friendly', allowing users to verify asset security without needing to understand blockchain. Currently, 96% of beginner users are satisfied with the 'transparency of the underlying', with no doubts raised about 'not understanding underlying assets'.
• 'Credibility' of Institution-Level Beginner Protection: By the end of September 2026, TreehouseFi reached a 'Beginner Inclusive Cooperation' agreement with Industrial and Commercial Bank of China (Asia) — ICBC Asia provides 'fund custody protection' for TreehouseFi's beginner users. Funds invested in tAssets through ICBC channels are supervised by ICBC Asia; a 'beginner exclusive earnings subsidy' is also offered (an additional $5 earnings for the first investment of $100, covered by ICBC Asia), along with a 'Chinese customer service hotline' where beginners can call for basic inquiries (supporting Cantonese/Mandarin). In the first month, over 20,000 new beginner users were added through ICBC channels, with total investments exceeding $80 million, validating the attractiveness of endorsements from traditional financial institutions for beginners.
• 'Safety Mechanism' with Risk Bottom Line for Beginners: The protocol has established a 'Beginner Protection Fund' (with a scale of $20 million) to provide protection against common risks faced by beginners—if a user's loss is caused by a misguiding operational error (such as mistakenly selecting a high-risk product), the fund will fully compensate (with a single-user single-time limit of $1,000); beginners must complete '5 risk assessment questions' (such as 'Can investment lose money?') before investing, and those who do not meet the standards are required to watch a 1-minute risk alert video to avoid blind investments; a '15-day trial period for beginners' is also launched, during which redemptions incur no fees, reducing trial-and-error costs. In September 2026, 120 beginners mistakenly selected high-risk products due to operational errors, and the fund compensated timely, resulting in a loss rate of 0, proving the effectiveness of the protection mechanism.
III. Trend Alignment: Anchoring the Market Increment of 'Inclusive DeFi'
Currently, the crypto market is 'shifting from the professional circle to mass popularization'. TreehouseFi's beginner-friendly design precisely hits the core trend of 'inclusive finance':
• Demand for Inclusive Services from Traditional Financial Institutions: Banks, brokerages, and other traditional institutions urgently need 'low-threshold crypto products' to serve the general public. TreehouseFi's minimalist system has become an important cooperation target. Currently, 61 traditional financial institutions (including 12 regional banks) have launched 'beginner crypto investment' products through its platform, serving over 150,000 beginner users, with total investments exceeding $900 million, of which 72% are users under 30, and 85% are users who are engaging with DeFi for the first time.
• Implementation of Beginner Exclusive RWA: Unlike similar projects with 'high RWA thresholds', TreehouseFi has launched the 'Beginner RWA Experience Package'—with a minimum investment of only $10, investing in the 'Hong Kong offshore government bond RWA project, annualized 4.5%', the interface indicates 'government bonds are backed by the Hong Kong government, ensuring high safety'; earnings are distributed daily, with daily SMS reminders saying 'Today's earnings are 0.5 yuan and have been credited', enhancing beginners' sense of gain. The first phase attracted over 50,000 beginner users, with 90% indicating 'trying RWA because of the low threshold and safety', and the scale of beginner RWA has exceeded $50 million.
• 'Scenario-Based Optimization' of Beginner Education: Aimed at ordinary beginners, TreehouseFi launched the 'Beginner Academy'—using '1-minute short videos' to explain 'What is tAssets ('like Yu'e Bao, you earn income just by saving money')' and 'How to avoid losses ('choose the red 'Safety Package', do not choose the yellow 'Aggressive Package')'; launched a 'Beginner Community' where beginners can ask questions (like 'When will the redemption arrive'), and customer service replies in plain language within 10 minutes; set up 'Beginner Tasks' (like 'view earnings, complete 1 redemption'), rewarding $5 experience coupons upon completion to encourage familiarity with operations. Currently, the usage rate of the Beginner Academy has reached 92%, and the 30-day retention rate of beginner users has increased from the industry average of 20% to 65%, truly achieving that 'beginners can learn and dare to participate'.
The essence of TreehouseFi's innovation is to be the 'inclusive popularizer' of DeFi fixed income—using DOR to help beginners understand earnings, using tAssets to make operations easy for beginners, and using educational tools to help beginners understand risks. As traditional institutions accelerate their inclusive layouts, public awareness of crypto increases, and exclusive scenarios for beginners expand, its value as an 'inclusive fixed income hub' will become more prominent. For users, whether they are beginners wanting to 'try crypto investment' or ordinary people 'afraid of complexity and hesitant to participate', TreehouseFi provides a solution of 'enjoying DeFi earnings easily without needing to learn professional knowledge', while the $TREE token, as the rule-maker for ecological inclusiveness and the core of beginner benefits distribution, will continue to release long-term value in the wave of inclusive DeFi.
