Reforming the foundation of fixed income in decentralized finance
With the rapid growth of decentralized finance (DeFi), Treehouse offers an innovative model for fixed income in Web3 through its unique protocol and data-driven infrastructure. Thanks to tAssets and Decentralized Offered Rates (DOR), Treehouse builds a transparent and efficient ecosystem that provides predictable fixed income.
Technical engineering: the interaction between tAssets and DOR
The essence of the ecosystem is based on two fundamental levels:
tAssets: such as tETH, which are liquid deposit tokens allowing users to deposit assets like ETH or BNB with annual percentage returns (APR) of around 3.73% and market efficiency yield (MEY), while maintaining full liquidity within DeFi.
tAssets smart contracts automatically optimize returns across multiple protocols using interest rate arbitrage strategies.
Outcome: a total locked value of $550.9 million serving over 66,000 users.
DOR (Decentralized Offered Rate): Treehouse's most notable innovation, a reference interest rate on-chain similar to LIBOR in traditional finance.
The first DOR standard is TESR (Treehouse Ethereum Stake Rate), based on forecasts from platforms like Staking Rewards and RockX with decentralized verification to ensure transparency.
It relies on manipulation-resistant multi-signature mechanisms, leveraging the high performance of Ethereum and BNB networks (up to 2000 transactions per second) with low fees of up to $0.001.
Smart contracts and security
Treehouse contracts have undergone rigorous audits from companies like CertiK and PeckShield, placing them among the highest security standards.
Cross-chain compatibility: supporting Ethereum, BNB, and second layers through the Gravity bridge, with assets valued at over $50 million.
The TREE token:
ERC-20 type, total supply: one billion.
Initial trading: $186 million.
Its core functions:
Storage: through PDV vaults with DOR support, with annual returns of 50–75%.
Governance: voting to add new assets and standards.
Rewards: 10% of the first season tokens in the GoNuts game were distributed to 66,000 users.
Fees: payment for access to DOR data.
TREE is scheduled to be listed on major platforms such as Binance, OKX, and Coinbase on July 30, 2025, at an expected price of $0.15, with a daily trading volume of approximately $30 million and a market value of $33.1 million. The burning mechanism also contributes to its long-term value enhancement.
Application scenarios: towards diversified fixed income
Liquidity sharing: depositing ETH to receive tETH, then using it in protocols like PancakeSwap to generate additional income.
Fixed income products: supporting forward rate agreements (FRAs) as a benchmark for fixed-term loans.
On-chain derivatives: using TESR data to launch interest rate derivatives, suitable for institutional investors.
Governance and revenue sharing: allowing TREE holders to participate in DOR forecasts and share protocol revenues.
Collaboration and market performance
Treehouse collaborated with RockX and LinkPool to enhance the accuracy of TESR forecasts.
Secured a $10 million investment from Binance and support from Binance Launchpool (July 2025).
The value of locked assets (TVL) increased by 30% with a user base of 66,000, reflecting strong market performance.
The future of fixed income in DeFi
By combining tAssets, DOR, and the TREE token, Treehouse has redefined the concept of fixed income in Web3, presenting a transparent and scalable ecosystem that serves individual users and institutions. With its technological innovation and strategic collaboration, it is expected to become the standard for fixed income in decentralized finance.