Currently, there are two core pain points that constrain the depth of project ecosystems in the DeFi fixed income sector: first, asset adaptation that is 'disconnected from user behavior trajectories.' Most projects' tAssets (tETH, tUSDC, etc.) and RWA (traditional fixed income, green assets, etc.) adapt rules based solely on users' current single behavior (such as choosing current flexible staking), ignoring the user's behavioral sequence (like transitioning from 'flexible staking → fixed-term lockup → cross-scenario combination'), leading to assets that cannot evolve and adjust with user demands, creating a disconnect in adaptation; second, the 'reusability of co-creation value is weak,' where user contributions to similar projects (such as rule suggestions, scenario testing) can only be used within the original co-creation scenario or theme, and cannot be reused across scenarios or themes. For example, contributions from testing in the green RWA scenario cannot be used for co-creation rights redemption in cross-border scenarios, limiting the value of contributions and reducing long-term participation motivation.
TreehouseFi focuses on project mechanism innovation, achieving asset evolution with user behavior sequences through 'asset trajectory adaptation,' breaking down barriers between scenarios and themes through 'co-creation value reuse,' and building a DeFi fixed income ecosystem that is more in line with the evolution of user needs and can better release co-creation value through two core designs.
1. Asset Trajectory Adaptation: Allow assets to 'evolve' with user behavior sequences
TreehouseFi abandons the traditional model of 'single behavior adaptation' and designs three core mechanisms around 'user behavior trajectories,' achieving an upgrade from 'static matching of current behavior' to 'dynamic following of trajectory evolution,' avoiding adaptation gaps.
1. Behavioral Trajectory Perception Module
The project develops a 'user behavior trajectory perception module,' capturing users' continuous behavior sequences rather than isolated behaviors, generating complete trajectory labels:
• Core tracking dimensions of the module: asset operation sequences (such as 'tUSDC flexible staking → 30-day fixed-term lockup → overlay green RWA'), scenario switching paths (such as 'local lending → cross-border configuration → green assets'), changes in holding cycles (such as '7-day holding → 90-day holding → 180-day holding');
• No need for users to manually mark, the on-chain behavior sequence is automatically analyzed, generating 'behavioral trajectory labels' within 24 hours, marking trajectory stages (such as 'flexible → fixed → combination' advanced stages) and evolution trends (such as predicting the next possible 'cross-scenario configuration');
• The trajectory perception logic (such as the standards for behavior sequence determination and trend prediction basis) is open and transparent, allowing users to view their trajectory maps and label generation details in their account center. If there is a misjudgment of the trajectory, it can be manually corrected to ensure accuracy.
2. Trajectory Adaptation Solutions
Based on behavioral trajectory labels, the project builds a 'trajectory adaptation solution engine' to match progressive asset rules for different trajectory stages, rather than a unified rule:
• Initial trajectory phase (such as flexible staking → short-term lockup): the engine matches a 'transitional solution'—tUSDC supports 'lossless switching from flexible to fixed-term,' retaining original flexible yields while additionally receiving a 0.1% short-term lockup bonus, helping users adapt smoothly;
• Advanced trajectory phase (such as short-term lockup → cross-scenario combination): matches a 'combinatorial solution'—when users migrate tUSDC from a local lending scenario to a cross-border RWA scenario, they automatically reuse the original scenario's staking credit without needing to restake, and enjoy 'dual scenario yield overlay' after the cross-scenario combination (tUSDC base yield + RWA dividends);
• Mature trajectory phase (such as cross-scenario combination → long-term customization): matches a 'customized solution'—allowing users to independently set the combination ratio of tUSDC and RWA, and the method of yield distribution (e.g., 60% cash dividends + 40% reinvestment), with customizable rules being dynamically adjustable with subsequent trajectory evolution;
• The adaptation solution automatically upgrades with the trajectory phase, without requiring manual application from users, with a 12-hour advance notification before the upgrade, clarifying changes in new rules and rights to ensure user expectations remain stable.
3. Trajectory Yield Continuation Mechanism
To avoid 'interruption or shrinkage of yields' when user behavior trajectories evolve, the project designs a 'trajectory yield continuation mechanism':
• Rights continuation: After the trajectory advances, the core rights unlocked in the original stage (such as the 'priority redemption rights' of short-term lockup) are still retained, and new advanced rights (such as 'yield overlay rights' in cross-scenario combinations) are added, forming 'rights accumulation' rather than 'rights replacement';
• Yield connection: when switching trajectories, the undistributed yield from the original scenario is automatically credited to the new scenario's asset account. If the short-term yield in the new scenario is lower than that of the original scenario (such as transitioning from high-yield short-term lockup to stable long-term combination), the system will fill the gap through 'trajectory transition subsidies,' with a maximum subsidy duration of 15 days;
• Rules will continue to be publicly disclosed, and yield connection records will be recorded on-chain in real time, allowing users to view changes in yield and subsidy details at each trajectory evolution to ensure no value is lost.
2. Co-creation Value Reuse: Allow contributions to 'reuse' across scenarios and themes
TreehouseFi breaks the limitations of 'binding co-creation contributions to scenarios/themes' by designing a 'value reuse' system, transforming user co-creation contributions into reusable units that can be used across scenarios and themes, releasing long-term value of contributions.
1. Unitization of Co-creation Contribution Reuse
The project develops 'co-creation reuse units,' transforming user co-creation contributions (rule suggestions, scenario testing, risk feedback) from any scenario or theme into standardized units, detached from original scenario/theme restrictions:
• Reuse units are graded by contribution value: basic contributions (such as participating in voting) generate 10 reuse units, advanced contributions (such as submitting valid testing feedback) generate 50 reuse units, core contributions (such as proposals being adopted) generate 200 reuse units;
• Units are not bound to the original co-creation scenario/theme: reuse units obtained in the green RWA scenario can be used in any scenario such as cross-border configuration or local lending; units obtained under the 'asset rule optimization' theme can also be used for rights redemption under the 'scenario function upgrade' theme;
• Reuse units will be recorded in the user's 'co-creation reuse account' in real time, with details (such as a unit coming from the June 2024 green RWA test) available for review, units will be permanently valid, with no expiration or scenario restrictions.
2. Cross-scenario - Cross-theme Reuse Rights
The project builds a 'cross-scenario - cross-theme reuse rights system' where users can redeem rights using reuse units in any scenario or theme, achieving 'one contribution, multiple scenarios/themes benefiting':
• Basic reuse rights: when the number of reuse units reaches 100, they can be redeemed in any scenario for 'transaction fee discount vouchers' (up to 100% discount) or 'new asset priority viewing rights' (preview 48 hours before new tAssets/RWA go live);
• Advanced reuse rights: when the number of reuse units reaches 500, users can unlock 'pre-screening rights for co-creation proposals' across themes—e.g., using reuse units from the green RWA scenario to participate in preliminary voting for new rule proposals in cross-border scenarios;
• High-level reuse rights: when the number of reuse units reaches 2000, users can unlock 'core co-creation participation rights' across scenarios and themes—e.g., using units from the local lending scenario to participate in the core design of the 'trajectory adaptation rules' for the green RWA scenario, and during the participation process, reuse units can increase in value by an additional 10%;
• Rights redemption has no scenario/theme restrictions, effective immediately after redemption, allowing users to view unlocked reuse rights and usage records in their accounts, ensuring flexibility.
3. Reuse Value-added and Linkage Mechanism
To incentivize users to continuously reuse co-creation value, the project designs a 'reuse value-added and linkage mechanism' where the more times a unit is reused and the broader the linked scenarios/themes, the higher the unit's value:
• Increase in reuse value: the same reuse unit used in three or more scenarios/themes will automatically increase its value by 15% (e.g., 10 original units become equivalent to 11.5 units), and the increase will rise with the number of reuses (up to a maximum of 50% increase);
• Configuration - Reuse linkage: Users holding reuse units can enjoy a 'reuse linkage bonus' when configuring assets—the more units held, the higher the asset yield bonus (e.g., holding 1000 units results in an additional annual return of 0.3% for tUSDC), creating a positive cycle of 'co-creation reuse → asset configuration → yield enhancement';
• Value-added rules and linkage ratios are open and transparent, allowing users to view the current value of units, the number of reused scenarios/themes, and details of linkage bonuses through the 'reuse value-added dashboard,' intuitively perceiving reuse value.
3. Ecological Coordination and Future Directions
TreehouseFi forms a positive ecological cycle through the bidirectional linkage of 'asset trajectory adaptation' and 'co-creation value reuse': asset trajectory adaptation follows user demand evolution, enhancing long-term user retention; users actively participate in multi-scenario/multi-theme co-creation to obtain reusable co-creation units, while the suggestions contributed feed back into optimizing the trajectory adaptation mechanism (such as new adaptation rules for new trajectory phases); at the same time, the linkage between reuse and asset allocation further enhances user stickiness, promoting simultaneous growth of ecological scenarios and user scale.
In the future, TreehouseFi will focus on advancing three main directions:
1. Expansion of Trajectory Adaptation Scenarios: New scenarios 'county-level micro-business trajectory adaptation' and 'cross-border supply chain behavior trajectory adaptation' are added, refining the dimensions of trajectory perception (such as the 'operating sequence of micro-business users during peak and off-peak seasons');
2. Upgrade of Reuse Unit Functions: Develop a 'reuse unit combination tool' that allows users to combine units from different scenarios/themes to redeem higher-level rights (e.g., combining green RWA and cross-border scenario units to unlock 'cross-scenario trajectory adaptation suggestion rights');
3. Transparency Enhancement: Improve the on-chain data disclosure system, publicly disclose the basis for determining user behavior trajectories, details of co-creation reuse units, and records of reuse rights redemption in real time, enhancing user trust in the ecosystem.
TreehouseFi fills the 'demand evolution adaptation gap' in the DeFi fixed income sector with 'asset trajectory adaptation' and addresses 'contribution limitations' with 'co-creation value reuse.' It focuses on project mechanism innovation to enhance not only the dynamic nature of asset adaptation but also the extensibility of co-creation value, further promoting projects from 'single functional tools' to 'ecological platforms that follow user growth and release long-term value.'
