TreehouseFi seeks to build an integrated and innovative ecosystem for fixed income projects in decentralized finance (DeFi), based on two fundamental principles:
1. Dynamic anchoring of asset value according to scenarios.
2. Standardized collaboration in creating user value.
This new model aims to address two main problems currently facing the sector:
Asset value installation rigidity: where most projects rely on fixed rules (return standards, collateral ratios, liquidity rules) that do not change with market shifts.
Weak user participation in joint creativity: contributions are often limited to specific topics and standardized mechanisms, reducing enthusiasm and deep interaction with projects.
First: Dynamic anchoring of asset value
1. Dynamic iteration mechanism
TreehouseFi is building a three-layer mechanism that allows for the instant adaptation of core asset standards (e.g., tETH, tUSDC, RWA) through a 'multi-dimensional installation factor set', including:
Supply and demand data.
Decentralized interest rates (DOR).
Risk levels.
Examples:
The return on tUSDC is directly linked to the decentralized interest rate and the demand for lending, and it automatically changes when certain levels are exceeded.
The collateral ratio is automatically adjusted based on transaction completion rates or cross-border exchange rate stability, without human intervention.
2. Tailored mechanisms for each scenario
Scenarios are divided (e.g., cross-border trade, small business lending, green assets) with varying installation rules:
Seasonal small businesses: repayment cycles are adjusted to fit peak seasons.
Green assets: returns are linked to projects' performance in reducing carbon emissions.
3. Transparency on-chain
A transparent disclosure system is created that includes:
Real-time factor source data via public oracles.
Automatically generated adjustment reports stored on-chain, available for user review.
A community governance mechanism to approve any substantial changes.
Secondly: Standardized cooperation for user participation
1. Decomposing units
TreehouseFi divides participation into independent units, such as:
Proposing rules.
Scenario testing.
Demand research.
Risk monitoring.
Each unit grants participation points that can be exchanged for additional powers within the system.
2. Independent aggregation of units
Users can choose one or more units, and compositions between units allow unlocking special privileges such as:
Early examination of scenario rules.
Priority for testing new assets.
3. The closed loop of execution
An integrated cycle is created from: User participation → Implementation of results → On-chain incentives, including:
Contribution certificates (ERC-1155).
Privileges such as fee reductions or increased voting power.
Periodic reports illustrate the impact of user participation on platform stability and scenario development.
Thirdly: The closed environmental loop
The project links dynamic anchoring and standardized cooperation in a positive loop:
Adjusting assets according to the market enhances user attraction.
User participation in creativity re-optimizes installation rules.
This thus forms a sustainable growth cycle that enhances the project's competitiveness.
Future roadmap
TreehouseFi focuses on three main directions:
1. Deepening dynamic anchoring: introducing additional factors such as ESG and regional economic indicators.
2. Developing standardized cooperation: enabling users to design customized units according to specialized needs (e.g., RWA).
3. Enhancing transparency: Publishing real-time updates on factors, installation rules, and outcomes of joint creativity on-chain.
TreehouseFi redefines the fixed income sector in DeFi through a dual-core structure that integrates:
Dynamic anchoring of assets to increase market adaptability.
Standardized collaboration of users to elevate effective participation.
This approach transforms the project from merely a 'fixed return tool' to a dynamic ecological platform that fosters sustainable iteration and collaborative creativity, forming a new model for the future of decentralized finance.
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