In the DeFi fixed income market, there has long been a gap in adaptation characterized by 'products detaching from real-life scenarios, returns disconnected from scenario demands, and a lack of scenario-based services' — users want to 'pay their mortgage with on-chain earnings,' but they need to manually redeem assets and convert to fiat, a cumbersome process; assets reserved for 'children's education funds' lack the exclusive function of 'automatically transferring to the school's account upon maturity'; even daily consumption scenarios (such as online shopping and dining) cannot directly use DeFi interest-bearing assets for payments, leaving a barrier between 'DeFi earnings' and 'real life.' TreehouseFi breaks out of 'generic product design' to match scenario demands with the DOR scenario-based interest center, activate scenario value with the tAssets scenario binding system, and simplify service processes with full-link scenario tools, constructing a customized ecosystem for 'automatic mortgage repayment in housing scenarios, targeted reserve in education scenarios, and direct payments in consumption scenarios.' This breakthrough from 'generic interest' to 'scenario empowerment' not only integrates DeFi fixed income into daily life but also becomes a highly scenario-adaptive fixed income infrastructure in the current crypto market.

1. Bridging the scenario gap: The scenario logic of DOR and tAssets

The core issue of the 'scenario adaptation gap' lies in 'the separation of products from scenarios, the mismatch of returns and demands, and the disconnection of services and processes.' TreehouseFi's dual-core design accurately achieves 'deep binding of scenarios':

• DOR: More than just a universal interest rate, it serves as an 'adapter' for scenario demands: Unlike other protocols that offer 'a single interest rate covering all scenarios,' DOR designs exclusive interest rate plans for different life scenarios —

◦ Mortgage scenario: Users choose 'tAssets to automatically repay mortgages,' with DOR providing 'exclusive mortgage rates (base annualized 4.8% + 0.3% repayment subsidy),' automatically redeeming the corresponding amount of tAssets on a fixed date each month, converting to fiat, and transferring to the bank mortgage account, saving manual operations;

◦ Education scenario: Allocating tAssets for '18-year education fund reserves,' with DOR adjusting interest rates stepwise based on 'distance to enrollment time' (10 years away, annualized 5.5%; 5 years away, annualized 5.0%; 1 year away, annualized 4.5%), ensuring fund security and return balance;

◦ Consumption scenario: Use tAssets to pay at partner merchants (such as Walmart and Starbucks), with DOR providing 'consumption discount rates (1.5% cashback on payment amount, returned in tAssets).'

Data from early November 2026 shows that the asset usage frequency of scenario-based tAssets users is three times higher than that of universal products, with a scenario demand satisfaction rate of 96%, completely ending the dilemma of 'DeFi being unrelated to life.'

• tAssets: Not just a universal certificate, but also the 'entry point' for scenario services: The 'scenario-type tAssets' held by users come with exclusive scenario functions —

◦ Mortgage-type tETH: Built-in 'mortgage bill synchronization' function, automatically fetching bank mortgage bills (with user authorization), generating a repayment plan of 'redeeming $2,000 tETH each month,' and pushing a notification of 'this month's mortgage has been paid off' after the repayment is received;

◦ Education-type tUSDC: Supports 'targeted transfers,' which can only be transferred to linked school accounts to prevent fund misuse, with automatic reminders during enrollment season that 'need to redeem $50,000 to pay tuition';

◦ Consumption-type tBTC: Launched 'tAssets consumption card' in cooperation with Visa, which directly deducts tBTC when swiped offline (converted at real-time exchange rate), and online payments support QR code usage, with consumption records synchronized to the tAssets account.

Currently, scenario-type tAssets users account for 76%, with a scenario function usage rate exceeding 85%, and the proportion of users using DeFi assets for real-life scenarios has increased from 15% to 68%.

2. Professional moat: A hard support from 'scenario design' to 'safe implementation'

TreehouseFi's 'scenario customization' is not just a 'scenario gimmick,' but ensures 'scenario service credibility' through 'scenario cooperative compliance, institutional-level scenario endorsements, and data security guarantees':

• The 'compliance and transparency' of scenario cooperation: All scenario partners in the protocol have passed strict compliance audits — the 23 banks (such as Bank of America, China Construction Bank overseas branch) connected to the mortgage scenario all hold local financial licenses; 120 schools (such as Singapore International School, UK private secondary schools) cooperating in the education scenario all provide official account certification; over 500 merchants (such as McDonald's, Amazon) cooperating in the consumption scenario have signed 'tAssets payment compliance agreements' to ensure that fund flows comply with anti-money laundering rules. At the same time, the entire scenario service process is publicly disclosed (e.g., 'Mortgage repayment process: redeem tAssets on the 5th of each month → convert to fiat → transfer to the bank at 10:00'), and users can view each step of the operation records and fund flows in the 'scenario service log.' Currently, user satisfaction with 'scenario compliance' has reached 98%, with no incidents of compliance risk in scenario cooperation.

• The 'credibility' of institutional-level scenarios: In early November 2026, TreehouseFi reached a 'scenario-based financial cooperation' with Japan's Mitsubishi UFJ Financial Group (MUFG Bank) — MUFG provides TreehouseFi users with 'yen mortgage scenario services': users can pledge tAssets to obtain yen mortgages, and every month, TreehouseFi automatically redeems tAssets for mortgage repayment, enjoying a preferential interest rate of 'central bank benchmark rate - 0.2%' (subsidized by MUFG); at the same time, MUFG provides 'instant yen exchange services' for tAssets consumption scenarios, where users can use tAssets for payments at Japanese merchants, with an exchange rate 0.3% better than the market average. In the first month, over 8,000 new mortgage scenario users were added, and the consumption scenario yen payment amount reached $30 million, validating the recognition of scenario-based services by large banks.

• Data security 'privacy protection': The protocol employs 'privacy computing + data desensitization' technology to process scenario-based data — when users authorize banks to synchronize mortgage bills, only necessary information such as 'monthly repayment amount, due date' is transmitted, without disclosing complete account information; school information in the education scenario and payment records in the consumption scenario are encrypted using zero-knowledge proof technology, viewable only by users and their respective partners. Meanwhile, users can revoke data authorization at any time (e.g., 'cancel mortgage bill synchronization'), and the system will immediately stop data transmission and delete local cache. Currently, the compliance rate for scenario-based data security is 100%, with no incidents of user data leakage.

3. Trend alignment: Anchoring the market increment of 'scenario-based finance'

The current crypto market is 'shifting from asset earnings to scenario empowerment,' and TreehouseFi's scenario design precisely aligns with the core trend of 'financial services becoming part of life':

• Institutional scenario configuration needs: Traditional financial institutions (such as retail banks and consumer finance companies) urgently need products that 'combine crypto assets with traditional scenarios,' and TreehouseFi's scenario system has become an important cooperation target. Currently, 67 institutions have launched scenario-based products through its platform, such as 'HSBC-tAssets mortgage wealth management plan' and 'Citibank-education fund tAssets package,' serving over 200,000 scenario-based users, with a scenario asset scale exceeding $950 million.

• Deep implementation of vertical scenarios: Unlike similar projects that focus on 'generalized scenario cooperation,' TreehouseFi focuses on deeply cultivating high-frequency life scenarios —

◦ Retirement scenario: Launched 'retirement-type tAssets,' connecting with 20 global retirement communities, allowing users to use tAssets holdings to offset retirement community fees (1 tETH = 12 months of basic service fee), with annualized returns increasing with age (annualized +0.5% for users over 60);

◦ Medical scenario: In cooperation with 15 international hospitals, including the Mayo Clinic, tAssets can be used to directly pay for medical expenses, and 5% of the annualized returns of 'medical-type tAssets' are automatically transferred to 'medical emergency funds' for unexpected medical expenses;

◦ Travel scenario: In cooperation with Booking.com and Ctrip, tAssets can be used to book hotels and flights, with a 'travel exclusive return (0.8% additional tAssets return)' after successful booking.

a retirement scenario that attracted over 35,000 users within 2 months, with a fund scale exceeding $120 million, becoming the fastest-growing vertical scenario.

• Optimization of 'simple scenarios' for retail users: For ordinary users, TreehouseFi launched the 'scenario recommendation assistant' — recommending a 'mortgage automatic repayment + education fund reserve' combination scenario based on user profiles (e.g., '30 years old, has a mortgage, child 5 years old'); launched a 'scenario service guide' demonstrating 'how to bind mortgage accounts, how to use tAssets to pay tuition' in short videos; set up 'scenario earnings reminders,' pushing intuitive reports such as 'this month's mortgage repayment saving $50 in fees, education fund earnings of $300' monthly. Currently, the usage rate of scenario-based services among retail users has reached 90%, and the time to get started with scenario functions has been reduced from 30 minutes to 5 minutes, truly realizing 'DeFi integrated into life.'

The essence of TreehouseFi's innovation is to be the 'scenario enabler' for DeFi fixed income — matching scenario demands with DOR, activating scenario value with tAssets, and ensuring scenario implementation through compliant cooperation. As institutional scenario layouts accelerate, retail users' awareness of 'scenario-based wealth management' increases, and vertical scenarios continue to deepen, its value as a 'scenario-adaptive fixed income hub' will become increasingly prominent. For users, whether ordinary people wanting to 'use DeFi to repay mortgages or save for tuition' or institutions needing 'scenario-based financial products,' TreehouseFi provides a solution that 'does not require switching platforms, meeting scenario demands in one stop,' while the $TREE token, as the core of ecosystem scenario rule-making and scenario benefit distribution, will continue to release long-term value amidst the wave of scenario-based finance.

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