Traditional DeFi fixed income often lacks a bit of “social warmth” — users earn abundantly but find it hard to connect with charity, and want to donate money but need to take extra steps. The norm has become “financial management only cares about personal profit, charity is another matter.” TreehouseFi breaks this disconnection by binding profits with charity through a benefit-sharing symbiosis protocol (SAP) and carrying dual value with benefit-sharing asset certificates (saTAssets), building a positive ecosystem where users can earn profits while donating to charity, receive charity badges, and exchange badges for rights, allowing users to both increase asset value and easily engage in charity while managing their finances, transforming DeFi from “cold digital transactions” into “warm goodwill transmission.”
1. Unlocking the dual value of “financial management + charity”: The benefit-sharing logic of SAP and saTAssets.
The core of the traditional DeFi “disconnection between charity and profit” is that “profits are unrelated to goodwill.” TreehouseFi achieves “making money while being altruistic” through a dual-core design:
• Benefit-sharing symbiosis protocol (SAP): Not only earning interest but also serving as a charity connector. SAP sets flexible rules for “donating profits to charity”: users can choose to “donate 1%-10% of profits” (e.g., donate $1-10 from $100 earned) or “fixed amount donations” (e.g., donate $5 monthly); donation funds are directed towards six compliant charitable organizations such as UNICEF and green environmental funds, and each donation generates a “charity certificate” (including information on the donation project and beneficiaries); upon reaching a certain donation amount, users can unlock “charity badges” — donating $100 earns the “Compassion Ambassador” badge, and $500 earns the “Charity Pioneer” badge. The higher the badge level, the more generous the financial rights (e.g., “Charity Pioneer” can enjoy an additional 1% annual return). As of January 2028, data shows that the donation participation rate among saTAssets users reached 72%, with total donations exceeding $3 million, helping 20,000 children receive educational materials. Among them, 65% of users increased their donation willingness by 40% due to badge rights.
• Benefit-sharing asset certificates (saTAssets): More than just a profit carrier, they are also a record of charity. saTAssets come with a built-in “charity file” that shows real-time information such as “total donation amount (e.g., $320), number of badges received (2), and progress of supported projects” (e.g., “The ‘rural classroom renovation’ project you donated to has completed construction on 3 schools”); donation funds are automatically deducted from profits without the need for manual transfer, and a “donation success notification” is pushed out after deduction; if users want to increase their donation, they can “exchange saTAssets directly for charity credits” (e.g., 100 saUSDC exchanged for $100 in charitable donations), simplifying the process. Currently, 85% of saTAssets users regularly check their charity files, and user interaction related to charity is three times higher than that of pure profit users.
2. Lightweight protection: Charity does not “deform.”
TreehouseFi uses a “dual mechanism” to ensure that charity is genuinely implemented:
• Compliance of charity cooperation: All cooperating charitable organizations are certified by the International Charitable Organizations Alliance (ICNPO), and the flow of donation funds is publicly disclosed in real-time (e.g., “In January 2028, $500,000 was donated to the green environmental fund for Amazon rainforest restoration; detailed fund usage can be found on the official website link”); a “charity impact report” is published every quarter, including photos of beneficiaries and project progress videos, avoiding “false charity.”
• Donation transparency and traceability: Each donation generates an on-chain hash, allowing users to check the “donation amount, flow, and arrival time” on the blockchain explorer; if a charity project is not executed as planned (e.g., progress is delayed by more than 30%), the system automatically suspends the project’s donations and reallocates funds to similar compliant projects, ensuring that donations are not wasted. In December 2027, a certain educational charity project experienced a delay, and $1.2 million in donations was promptly transferred to another rural education project without affecting the charity's effectiveness.
3. Meeting needs: Adapting to the trend of “goodwill financial management.”
Users are increasingly pursuing “financial management with social value,” and TreehouseFi precisely matches this demand:
• For family users, the “Parent-Child Charity Package” is launched: parents can set “donate an extra 20% of profits during the child's birthday month” and showcase the charity file to their children, cultivating altruistic awareness from a young age. A certain family donated $240 through this package in a year, and their child actively participated in charity craft activities.
• For corporate users, the “Corporate Benefit-Sharing Plan” is launched: when companies use saTAssets for financial management, they can set a fixed monthly donation amount based on “number of employees × $5,” and label the donation as “joint donation by employees of XX company,” enhancing the corporate social image and boosting employee cohesion. A certain tech company donated over $100,000 through this plan in six months, increasing employee satisfaction by 25%.
TreehouseFi's innovation is to transform DeFi fixed income from a “personal wealth appreciation tool” into a platform where charity and financial management coexist. The $TREE token serves as the core of the benefit-sharing rules and will continuously release the long-term value of “earning without forgetting altruism, and charity feeding back to profits” as the “goodwill financial ecosystem” expands.
