Khadija Bano

Bonds play a vital role in traditional finance, offering steady income that underpins both institutional and private investments. However, this cornerstone has been largely missing from DeFi, where investors face a choice between volatile assets or opaque centralized solutions. Treehouse aims to fill this gap by delivering fixed income that is transparent, accessible, and fully on-chain.
The Missing Piece in DeFi
While DeFi has introduced innovations like yield farming, liquidity mining, and derivatives, it has struggled to provide predictable and reliable income streams. Investors seek consistent returns with clear timing, trusted benchmarks, and transparent mechanisms — not just high APYs.
Treehouse addresses this with two key innovations:
tAssets: Tokenized assets that deliver steady, predictable yields over time.DOR (Decentralized On-chain Rate): A community-driven, transparent benchmark rate for interest across DeFi, akin to a decentralized LIBOR.
Together, these components establish a foundational fixed-income layer for Web3.
tAssets: Stable Yields with Full Control
More than traditional staking derivatives, tAssets like tETH offer:
Direct ETH exposure.Simple staking rewards.An additional ~1.2% Market Efficiency Yield (MEY).
This results in reliable, enhanced returns fully recorded on-chain. Users maintain full freedom to redeem or trade tAssets anytime, without lockups. Treehouse’s impressive growth—nearly $500 million in TVL and doubling users in one month—validates strong demand, reinforced by integrations with protocols like Pendle, Aave, and Euler.
DOR: DeFi’s Transparent Interest Rate
DOR is the first on-chain rate benchmark set by real market data and governed by the community. It provides a dependable standard for lending, derivatives, and yield products, moving interest rate decisions from opaque governance to transparent market forces. This shifts the entire DeFi ecosystem toward reliability and trust.
$TREE Token: Governance and Growth
$TREE is not just governance; it’s the ecosystem’s core:
Token holders steer protocol decisions.Staking rewards align participants with growth.Supply constraints and team lockups ensure long-term commitment.
This framework fosters trust and sustainable expansion.
Vision and Future Roadmap
Treehouse is more than a lending platform — it’s creating a structured financial layer for DeFi fixed income. Upcoming plans include tAssets for additional chains like tAVAX and tSOL, advanced derivatives such as forward rate contracts, and a focus on attracting institutional investors seeking transparent benchmarks.
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