Treehouse

Treehouse is a decentralized application pioneering fixed income infrastructure in crypto through two key innovations: Decentralized Offered Rates (DOR) and Treehouse Assets (tAssets). These primitives enable the creation of products like fixed-rate loans, swaps, and forward rate agreements—solutions that have long existed in traditional finance but remain largely absent in DeFi due to the lack of a standardized benchmark rate.

By depositing ETH or liquid staking tokens (LSTs) into the protocol, users receive tETH—an LST wrapper that helps stabilize on-chain borrowing rates and aligns them with ETH staking yields. This not only enhances rate consistency across DeFi but also contributes to the cryptoeconomic security of DOR, a rate-setting mechanism where panelists submit forward-looking rate expectations and stake their credibility on accuracy.

The TREE token underpins the entire ecosystem, serving as the utility and governance token that coordinates incentives among users, panelists, delegators, and developers. Through staking, governance, and fee routing, TREE helps secure the protocol and drive ecosystem growth. Altogether, Treehouse offers a scalable foundation for a decentralized fixed income market, addressing the volatility and fragmentation of today’s floating-rate protocols.