The fixed income sector in decentralized finance (DeFi) faces two major environmental shortcomings that are often overlooked: First, the absence of 'personal responsiveness' in adapting asset scenarios. Most fixed-income asset projects (e.g., tETH, tUSDC, green assets) rely on uniform adaptation solutions, where asset parameters (collateral ratio, income structure) are fixed regardless of user preferences (conservative or risk-seeking) or personal goals (e.g., stable monthly income with quarterly liquidity). This necessitates complex manual integration of assets, making it difficult to meet precise needs. Second, the absence of 'sustained profit' in shared value. User contributions (e.g., rule suggestions or scenario testing) are exchanged for immediate rights (e.g., one-time fee reductions or short-term subscriptions), ending value once rights are consumed, limiting users' benefit from subsequent ecosystem growth.

TreehouseFi breaks these traditional constraints through a design focused on 'personal adaptation of asset scenarios' to meet diverse user needs, and 'creating continuous value' to provide long-term value for contributions. Through two innovative core systems, TreehouseFi offers a new model for fixed income in DeFi that stands out from the current ecosystem.

1. Personal adaptation of asset scenarios: Assets that fit each user's needs

TreehouseFi abandons the 'uniform adaptation' approach and adopts a three-layer mechanism for customized adaptation, transforming assets from standard solutions to precise responses that align with users' preferences and goals.

1.1 Custom Demand Awareness System

TreehouseFi builds a system to accurately capture user needs through multidimensional data:

Static Demand Profile: Upon initialization, users specify their preferences (Conservative/Balanced/Aggressive), configuration goals (short-term liquidity/long-term yield/regular cash flow), and fund usage (daily reserve/special investment) to create a base demand label.

Dynamic Updates: The system tracks user behavior (e.g., customization adjustments, redemption preferences) to update labels automatically. For instance, if a user does not adjust their allocation for three months and prefers stable assets, the system updates the label to 'Portfolios'.

Instant Feedback: Allows users to request adjustments (e.g., switching to long-term yield), where the system responds immediately to ensure accuracy and speed.

1.2 Custom Adaptation Engine

TreehouseFi uses an engine to generate custom adaptive solutions based on demand labels:

Dynamic Parameter Generation: The engine automatically matches assets with user needs. For example, it allocates tUSDC to conservative users with 'low-risk portfolio' (98% collateral ratio, stable yields, instant redemption), while creating a high-yield RWA portfolio (60% RWA + 40% highly liquid tAssets) for aggressive users.

Flexible Adjustment: The engine supports one-click updates (e.g., changing tUSDC lock to one year with yield reward) without fees or income disruption.

Visual Preview: The system displays the adaptation plan through yield curves, risk warnings, and operational paths, allowing users to make informed decisions.

1.3 Dynamic Adaptation Optimization

TreehouseFi ensures adaptation accuracy through a continuous optimization mechanism:

Performance Indicators: The system measures demand matching, goal achievement, and operational comfort monthly.

Feedback: Improves rules based on user surveys (e.g., increasing yield stability for conservative portfolios).

Custom Templates: Develops templates for specialized needs (e.g., 5% monthly redemption with reinvestment), avoiding one-size-fits-all solutions.

2. Creating Continuous Value: User contributions grow with the ecosystem

TreehouseFi breaks the 'instant redemption' model of shared value and designs a system that grants contributions long-term value tied to ecosystem growth.

2.1 Co-creation Gain Accounting System

TreehouseFi opens a gain account for each participating user, transforming contributions into value-added shares:

Share Generation: Shares are granted based on the value of the contribution (e.g., a rule proposal that increases TVL by 20% = 1000 shares, or feedback that reduces complaints by 50% = 300 shares).

Linkage to the Ecosystem: The value of shares is linked to TVL growth, scenario revenues, and user volume. For example, if TVL grows from $2 billion to $4 billion, the share value rises from $1 to $1.8 (90% of TVL growth rate).

Transparent Disclosure: Allows users to track the number of shares and their value in real-time, with no expiration limit.

2.2 Multidimensional Profit Realization Path

TreehouseFi offers diverse options for equity redemption:

Instant Exchange: Shares are exchanged for environmental rights (e.g., RWA underwriting or tAssets fee reductions), with a dynamic adjustment of the exchange ratio based on share value.

Ecosystem Profits: 5% of ecosystem revenues (scenario fees) are distributed quarterly as tUSDC or RWA profits.

Long-term Trading: Shares can be sold in a dedicated trading area via smart contracts, with prices determined based on supply and demand.

2.3 Inheritance and Linking Mechanism

TreehouseFi enhances long-term value through:

Gain Inheritance: Shares can be transferred to other accounts via smart contracts, preserving rights.

Configuration Linking: Shareholders receive additional yield rewards (e.g., 0.3% annually for tUSDC when holding 1000 shares), forming a 'Co-creation - Configuration - Gain' cycle.

Transparency: All transactions are recorded on-chain to track transfers and linking rewards.

3. Environmental Synergy and Future Prospects

TreehouseFi creates a closed growth loop: personal adaptation attracts users to long-term allocations while co-creation stimulates contributions that enhance adaptation. This promotes user stability and TVL growth.

In the future, TreehouseFi focuses on:

Expanding Scenarios: Adding scenarios such as lending to small businesses or cross-border trade, with custom adaptation rules.

Diversifying Gains: Including new sources such as cooperative earnings or asset listing rewards.

Enhancing Transparency: Improving on-chain data disclosure to show needs matching and share calculations.

Summary

TreehouseFi addresses the shortcomings of fixed income in DeFi through personal adaptation of asset scenarios and creating continuous value. The system solves the problem of uniform adaptation through a custom engine, transforming contributions into shares of long-term value. This model not only provides precise service and long-term interaction but also shifts the fixed income sector from a focus on volume to enhancing user value, aligning with the flexibility of projects like Caldera in promoting the Ethereum ecosystem.

$TREE @Treehouse Official #FamilyOfficeCrypto