Traditional DeFi fixed income often struggles with 'scenario disconnection'—the income earned on-chain requires manual redemption to a bank card for mortgage payments, and repeated conversion to fiat for tuition payments, leading to a complete disconnection between interest-earning assets and daily consumption, education, retirement, etc. 'DeFi income' remains 'digital currency lying in the wallet'. TreehouseFi breaks through this limitation with the Scenario Interconnection Protocol (SIP) to connect the value chain, activating real applications with scenario-bound asset certificates (scTAssets), and building a 'yield-consumption-reserve-payment' full scenario closed loop, allowing DeFi assets to truly integrate into daily life.
1. Breaking down scenario barriers: The interconnection logic of SIP and scTAssets
The core of traditional scenario islands is 'disconnection between assets and needs'; TreehouseFi solves this with a dual-core design:
• Scenario Interconnection Protocol (SIP): Not just an interest rate tool, but also a central hub of scenario value. SIP customizes 'income + services' combinations for different life scenarios: In the education scenario, scTAssets income is automatically split according to 'enrollment nodes' (savings during elementary school, automatic redemption for tuition payments during middle school); in the retirement scenario, annual returns increase with age (an additional 0.5% for those over 60), and support automatic monthly transfers to retirement community accounts; in the consumption scenario, using scTAssets for payment enjoys 1.2% cashback, which is directly converted into scTAssets to continue earning interest. As of March 2027, data shows that the scenario utilization rate among scTAssets users reached 82%, and the proportion of assets transitioned from 'idle earning' to 'active use in scenarios' increased by 65%;
• Scenario-bound asset certificates (scTAssets): Not just a yield vehicle, but also an entry point for scenarios. scTAssets has a built-in 'scenario trigger function'—after binding a mortgage account, it automatically redeems the corresponding amount each month to pay the mortgage; associates with children's school enrollment information, and sends a reminder to 'redeem $30,000 for tuition' before the enrollment season; connects with offline merchant POS machines to directly deduct scTAssets when swiping the card (converted at the real-time exchange rate), eliminating the need for manual exchange. Currently, among scTAssets users, 70% bind more than two scenarios, and the correlation between assets and life scenarios is four times higher than traditional DeFi.
2. Lightweight protection: Interconnection without risk
TreehouseFi uses a 'dual mechanism' to maintain safety and compliance:
• Scenario cooperation compliance: All cooperation scenarios (such as banks, schools, merchants) hold formal licenses, fund flows comply with anti-money laundering rules, and users can check the 'qualifications of partners and fund transfer records';
• Data privacy protection: Uses zero-knowledge proofs to encrypt scenario data (such as mortgage amounts, tuition information), visible only to users and corresponding scenarios, avoiding information leakage. In February 2027, a user paid tuition with scTAssets, and the data was transmitted encrypted with no privacy risks.
3. Meeting needs: Adapting to the trend of 'lifestyle finance'
Currently, users need 'DeFi income that can be used directly', and TreehouseFi matches precisely:
• For mom users, launched the 'Education Reserve scTAssets Package', with income automatically stored in segments according to 'kindergarten to university', with reminders for redemption upon maturity;
• For office workers, launched the 'automatic salary transfer to scTAssets' feature, earning interest as soon as it arrives, automatically redeeming for mortgage or rent payments without manual operation.
The core of TreehouseFi is to transform DeFi fixed income from 'on-chain tools' into 'life assistants'. The $TREE token, as the core of scenario interconnection rules, will expand with the entire scenario ecosystem, continuously releasing the long-term value of 'assets as services'.@Treehouse Official
