Treehouse (TREE): Building the Fixed Income Layer for DeFi
Treehouse is a decentralized fixed income protocol that standardizes and unifies on-chain yields through innovative tAssets and benchmark interest rates. Founded by traditional finance veterans with $18 million, this Singapore-based platform has reached $560 million TVL while building the infrastructure for DeFi's fixed income future. TREE (TREE) will soon be available on Bitget!
What is Treehouse (TREE)?
Treehouse is a decentralized finance protocol focused on building the fixed income layer for digital assets. The platform introduces two main innovations: Treehouse Assets (tAssets) and Decentralized Offered Rates (DOR), both designed to unify and standardize yields across DeFi and support the creation of robust on-chain fixed income products.
The platform addresses major problems in current DeFi deployment: fragmented interest rates, lack of reliable benchmarks, and complex risk management. Traditional DeFi suffers from inconsistent yields across platforms, no single trusted reference rate for pricing fixed income products, and limited analytics tools for institutional investors.
Core Innovation: Treehouse creates special yield-bearing tokens called tAssets that automatically collect and unify yields from multiple DeFi protocols, while establishing DOR as a consensus-driven benchmark rate for the entire ecosystem. This enables predictable returns and confident pricing for bonds, swaps, and other fixed income products.
Who Created Treehouse (TREE)?
Treehouse was founded in 2021 in Singapore by a team with extensive experience in traditional finance and technology.
Brandon Goh (Co-founder & CEO):
● Traditional Finance Leadership: Former institutional sales specialist at Morgan Stanley in fixed income, plus experience at Wells Fargo Securities, HSBC, and the United Nations
Ben Loh (Co-founder):
● Technology and Finance Background: Contributed to Treehouse's data-driven approach to DeFi analytics with previous entrepreneurial experience
Bryan Goh (Co-founder & COO):
● Entrepreneurial Track Record: Previously co-founded Native with experience bridging traditional and decentralized finance
Additional Key Team Members:
● Alex David: Founder and COO with experience at Boston Consulting Group and Shore Capital Partners
● Zachary T.: People Executive with HR Management degree from Murdoch University
The team combines world-class expertise from institutions like Morgan Stanley and BNP Paribas with entrepreneurial agility, reflecting the platform's mission to bring institutional-grade analytics and transparency to the decentralized economy.
What VCs Back Treehouse (TREE)?
Treehouse has raised a total of $18 million across multiple funding rounds from leading venture capital firms in both traditional finance and crypto sectors.
Funding Breakdown:
● Pre-seed Round (September 2021): $2.4 million
● Seed Round (March 2022): $18 million via Simple Agreement for Future Tokens (SAFT)
● Strategic Funding Round (Late 2024/Early 2025): Undisclosed amount at $400 million fully diluted valuation
Major Venture Capital Backers:
● MassMutual Ventures (venture arm of $500B+ asset manager)
● Lightspeed Venture Partners
● Binance Labs (YZi Labs)
● Jump Capital
● GSR
Notable Individual Investors:
● QCP Capital (Darius Sit/Atrium Advisors)
● Paxos (Rich Teo)
● Etherscan (Matthew Tan)
● Selini Capital (Jordi Alexander)
● Algoquant (Michael Ashby, ex-Point72)
● Senior executives from SoftBank Vision Fund
The diverse investor base demonstrates strong confidence in Treehouse's approach to standardizing fixed income infrastructure across the DeFi ecosystem.
How Treehouse (TREE) Works
Treehouse operates through several breakthrough technologies that democratize fixed income access and standardize DeFi yields:
tAssets: Unified Yield-Bearing Tokens
When users deposit crypto assets like ETH or stablecoins, they receive special tokens called tAssets (such as tETH) that automatically earn unified yields from multiple DeFi protocols. These tokens handle yield optimization and arbitrage behind the scenes, removing the need for users to hunt for the best rates across different platforms.
DOR: Decentralized Offered Rates
Treehouse calculates and publishes benchmark interest rates through a consensus mechanism involving trusted panelists like RockX and other institutional staking providers. DOR acts as the "LIBOR for DeFi," enabling confident pricing and innovation for fixed income products like bonds and swaps.
Interest Rate Arbitrage Engine
The protocol actively monitors and exploits rate discrepancies between lending and staking opportunities across DeFi platforms. When different protocols offer different rates for the same asset, Treehouse automatically reallocates capital to maximize returns and bring efficiency to fragmented yield sources.
Advanced Analytics Dashboard
Users get comprehensive portfolio visualization, real-time earnings tracking, risk analytics, and performance breakdowns in plain language. The platform provides institutional-grade risk metrics and management tools previously unavailable in DeFi.
Cross-Platform Integration
Treehouse operates on Ethereum and BNB Smart Chain with analytics solutions deployed across multiple networks. The platform integrates with Web3 wallets and supports usage across other DeFi protocols like Aave and Silo V2.
You can access the platform at treehouse.finance and interact with protocols through their dApp platform.
Treehouse Token (TREE) and Economics
The TREE token serves as the native utility and governance token powering the Treehouse Protocol ecosystem.
Token Details
● Token Name: TREE
● Token Symbol: TREE
● Total Supply: 100,000,000 TREE tokens
● Blockchain: Ethereum (ERC-20)
Token Distribution
● Community Rewards (20%): 20 million TREE for staking, governance, and active engagement
● Strategic Investors (17.5%): 17.5 million TREE with vesting for long-term alignment
● Team (12.5%): 12.5 million TREE with multi-year vesting schedules
● Treasury (12.5%): 12.5 million TREE for DAO-controlled reserves and operations
● Community Airdrop (10%): 10 million TREE for early contributors and protocol users
● Additional Ecosystem Allocations (~27.5%): Reserved for ecosystem initiatives and liquidity
Token Utilities
● DOR Querying Fees: Payment for accessing Decentralized Offered Rate data by smart contracts and enterprises
● Panelist Staking: Required for participating in DOR rate-setting and consensus mechanisms
● Governance: Vote on protocol decisions, upgrades, and treasury management
● Consensus Rewards: Earn TREE tokens for accurate rate submissions and delegation
● Ecosystem Incentives: Funding for strategic partnerships, grants, and community initiatives
How to Earn TREE
● Staking Participation: Stake TREE to become or support DOR Panelists and earn consensus rewards
● Liquidity Provision: Deposit assets in Treehouse vaults to accumulate points convertible to TREE
● Campaign Participation: Join platform campaigns and activities to earn points and direct distributions
● Community Airdrops: Early platform users and testers eligible for retroactive rewards
Why Treehouse?
Traditional DeFi suffers from fragmented yields and lack of standardized benchmarks, making fixed income products difficult to create and price. Treehouse addresses these challenges with breakthrough innovations:
Proven Leadership: Founded by former Morgan Stanley and traditional finance executives with deep institutional experience and successful track record in fixed income markets.
Strong Investor Validation: $18 million raised from top-tier investors including MassMutual Ventures, Binance Labs, and Lightspeed demonstrates institutional confidence in the team and vision.
Live Network Traction: Already operational with $560 million TVL and 44,000+ users, proving market demand and product-market fit for unified DeFi yields.
Industry-First Innovations: Created the first unified yield-bearing tokens (tAssets) and decentralized benchmark rates (DOR), establishing foundational infrastructure for DeFi fixed income.
Institutional-Grade Security: Multiple audits from leading security firms and partnerships with established protocols ensure robust risk management and operational safety.
Strategic Partnerships: Collaborations with RockX for staking infrastructure, BuildBear Labs for secure development, and integration across major DeFi protocols demonstrate ecosystem strength.
The platform successfully bridges traditional finance reliability with DeFi innovation, positioning it as the foundational layer for digital asset fixed-income markets.
TREE Goes Live on Bitget
We are thrilled to announce that Treehouse (TREE) will be listed in the Innovation, DeFi and LSD Zone. Check out the details below:
Trading Available: 29 July 2025, 14:00 (UTC)
Trade TREE/USDT on Bitget!
Contract Address (Ethereum): 0x77146784315Ba81904d654466968e3a7c196d1f3
Community Links: Website | Twitter | Discord | Telegram
Disclaimer: The opinions expressed in this article are for informational purposes only. This article does not constitute an endorsement of any of the products and services discussed or investment, financial, or trading advice. Qualified professionals should be consulted prior to making financial decisions.
