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The Biggest Problem of DeFi: No Standard Interest Rate
In traditional finance, benchmark rates such as LIBOR or SOFR play a fundamental role for bonds, loans, and derivation products. But what about in DeFi? Each protocol sets its own interest rates — leading to fragmented liquidity, high risk, and a lack of interoperability between platforms. The consequence is: ❌ No yield swap market (yield swap market) ❌ There are no fixed-income products (fixed-income) ❌ On-chain yield curve does not exist (on-chain yield curve) 🌲 Treehouse and DOR Solution — Decentralized Onchain Rate Treehouse Protocol is building a standard on-chain interest infrastructure that DeFi has long lacked: DOR (Decentralized Onchain Rate)Functions as an oracle layer for on-chain interest ratesInterest rates are determined by panelists — those who stake TREE or tAssets and submit yield forecasts (for example: ETH staking interest).Accurate forecasts → receive rewardsIncorrect forecasts → incur penalties (slashing)tAssetsA new generation of liquid staking tokens (liquid staking token)such as tETHTo optimize yield across various protocolsSupport the construction of fixed income and interest rate derivation products. With DOR and tAssets, Treehouse can establish interest rate standards such as: TESR: Standard staking rate TELR: Standard lending rate TEBR: Standard borrowing rate This will be the foundation for interest rate swaps, bonds, and on-chain structured products. 📈 Why is this important? Without a standard interest rate, DeFi cannot fully develop. Treehouse brings: From fragmented interest rates → Standardized interest rates (DOR)From lack of fixed income derivatives → tAssets unlock real yieldFrom no swap market → DOR activates interest rate derivation Currently, the TVL has surpassed 300 million USD, and the TREE token plays a central role in staking, governance, and data access across the entire ecosystem. 👀 Personal Perspective DeFi has long been like building a house on sand — lacking a stable foundation. Treehouse is pouring concrete to create a solid foundation. Having DOR → Having standard interest rateHaving tAssets → Having fixed income toolsHaving standard interest rate → Paving the way for the on-chain interest rate derivatives market No benchmark rate = No real market. Treehouse is solving that problem — it could become the LIBOR of crypto. ♡𝐥𝐢𝐤𝐞💬 ➤ @TreehouseFi #Treehouse $TREE {spot}(TREEUSDT)