Traditional DeFi fixed income often leaves people feeling "there's no choice"—whether you want to "earn enough for rent each month" or "save enough for a trip in six months", you can only choose from the platform's given "flexible/30 days/90 days" packages, with fixed templates for earnings rules and payment times. Want to adjust? There are simply no options. TreehouseFi breaks this deadlock with a customized income agreement (CPA) to unlock personalized needs and customized asset certificates (cuTAssets) to carry exclusive plans, allowing users to customize their earnings rules according to "fund usage, payment time, risk preference", truly realizing "your DeFi earnings, based on your needs".
1. Unlock Customization Freedom: The Personalization Logic of CPA and cuTAssets
The core of traditional DeFi's "no choice" is the "rigidity of product templates". TreehouseFi achieves "on-demand matching" through dual core design:
• Customized Income Agreement (CPA): More than just fixed packages, it's a demand translator. Users input their needs, and the CPA automatically generates a personalized plan: Want to "earn $300 in rent on the 10th of each month", the CPA matches "redeem the corresponding amount on the 9th of each month, with an annualized 5.2% cuUSDC"; want to "take $10,000 for travel after six months, earning $500 during the period", the CPA calculates that "you need to invest $9,700, lock for 180 days, with an annualized 3.5%"; you can even choose the "method of earnings receipt"—whether to directly deposit into a bank card or automatically convert to BTC reinvestment, it's all determined by the user. Data from July 2027 shows that the demand satisfaction rate for CPA customized plans reached 98%, with the actual earnings deviation from expectations below 0.5%.
• Customized Asset Certificates (cuTAssets): More than just standardized certificates, they are exclusive income carriers. cuTAssets will "remember" the user's customized rules: set to "redeem rent monthly", send reminders 3 days before maturity, and after redemption automatically sync "$300 has been credited"; choose "earnings to reinvest in BTC", automatically execute conversions with every earnings credit, where you can see in the position details "today's earnings $15 → converted to 0.0003 BTC". Currently, among cuTAssets users, 85% have used more than three customized features, with a satisfaction rate 40% higher than traditional fixed package users.
2. Lightweight Protection: Customization Without Pitfalls
TreehouseFi uses a "dual mechanism" to ensure customization security:
• Transparency in Demand Simulation: Before generating a customized plan, the CPA will first display "simulated results"—for example, "Invest $10,000, lock for 6 months, annualized 3.5%, total at maturity can be $10,175, confirm?" Users can modify parameters and recalculate until satisfied; all customized rules and underlying assets are stored on the blockchain to avoid "discrepancies between promises and reality".
• Extreme Adjustment Channel: If a user has an urgent need (such as needing to use money early), they can apply for a "temporary adjustment". The CPA will calculate the "early redemption fee (such as 5% of the already earned income)". Funds will be credited within 1 hour upon confirmation, which is much more flexible than the traditional fixed package's "no early access". In June 2027, a user had a sudden illness, temporarily adjusted the cuTAssets redemption rules, and the funds were credited within 40 minutes, with only a $30 fee deducted.
3. Meeting Needs: Adapting to the Trend of Personalized Wealth Management
Today's users pursue "wealth management services for themselves", and TreehouseFi matches this precisely:
• For freelancers, introduce a "Flexible Cash Flow Custom Package": Set to "redeem $2,000 on the 5th and 20th of each month" based on "order income rhythm" to ensure daily expenses.
• For mothers, launch a "Childcare Fund Custom Plan": Input "annual tuition of $15,000 for the child", the CPA automatically plans "save $1,200 monthly, annualized 4%, just enough to cover tuition at maturity", and can set "earnings to prioritize saving in the childcare fund account".
The core of TreehouseFi is to change DeFi fixed income from "what the platform gives is what you get" to "what I want is what the platform provides". The $TREE token, as the core of the customized rules, will expand with the "personalized ecosystem", continuously releasing the long-term potential of "demand matching equals value".
