Peoples Reserve
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Frequently Asked Questions
PRN Tokens can be acquired through the SWAP service or via the Uniswap liquidity pool.
Your loyalty tier is determined by the value of PRN in your portfolio relative to your portfolio balance, Diamond requires 10% or more.
To view how much PRN you need for the Diamond level visit the Loyalty Levels section of your account.
Follow our comprehensive guide to increase your PRN holdings and reach the top tier benefits:
View the Upgrade Guide here
A Bitcoin Powered Mortgage is a revolutionary home loan that uses your digital assets to retire debt decades early. Borrowers can choose the Bitcoin Mortgage to replace traditional PMI with a Bitcoin-building "equity engine" starting at 20% collateral, or the Self-Repaying Mortgage (SRM) for 1:1 collateral with no credit checks or income verification. Both options offer rates as low as 3% APR, allowing you to leverage Bitcoin’s growth to achieve homeownership on your own terms.
We empower our Gold and Diamond Loyalty Token holders with the ability to claim the Tax Assessed Value (TAV) of their property in our marketplace with NO HOME OWNERSHIP RISK. Hence our name, Peoples Reserve. It's a Bitcoin Treasury for "We the People." Earn up to 8% APY on your home's Tax Assessed Value claimed against our RWA funding reserve.
A Bitcoin Bond is a strategically structured Principal-Protected Note and serves as our flagship Vault product. It combines the safety of U.S. Treasuries with the high-growth potential of Bitcoin. It is designed to offer 100% downside protection while allowing you to capture the upside of the Bitcoin market.
We empower our Gold and Diamond Loyalty Token holders with the ability to claim the Tax Assessed Value (TAV) of their property in our marketplace with NO HOME OWNERSHIP RISK. Hence our name, Peoples Reserve. It's a Bitcoin Treasury for "We the People." Earn up to 8% APY on your home's Tax Assessed Value claimed against our RWA funding reserve.
• Exclusively available to PRN Gold and Diamond Loyalty Token holders
• Available for single-family residential homes in the U.S. only
• Must own your home outright (land-only or mobile home claims not eligible)
A Vault is a sophisticated, risk-managed investment product designed to generate institutional-level returns through advanced Bitcoin and DeFi strategies. Unlike a traditional savings account, Vaults offer Risk-Managed Alpha, providing steady yields while prioritizing downside protection.
A Bitcoin Bond is a strategically structured Principal-Protected Note and serves as our flagship Vault product. It combines the safety of U.S. Treasuries with the high-growth potential of Bitcoin. It is designed to offer 100% downside protection while allowing you to capture the upside of the Bitcoin market.
It means your initial investment (the principal) is fully backed by the U.S. Treasury notes. Even if the price of Bitcoin were to drop significantly, your original capital remains safe and secure within the Treasury-backed structure.
The Self-Repaying Mortgage (SRM) allows you to leverage Bitcoin, Gold, or Silver as pristine collateral to finance a home with Zero Liquidation Risk. By borrowing against your assets with full collateral preservation, you eliminate the need for traditional credit scores, income verification, or DTI ratios.
You deposit 1:1 collateral — Bitcoin, Gold, or Silver — equal to the purchase price of the home and we issue you a 30-year mortgage. As your asset appreciates, your collateral ratio rises and your variable interest rate drops. By overcollaterlizing you unlock at the Diamond Level you can unlock rates as low as 3% APR. You can withdraw excess collateral or use it to pay down principal, effectively letting asset appreciation pay your mortgage.
For borrowers who don't have enough Bitcoin for 1:1 collateral to use SRM, the Bitcoin Mortgage Reserve (BMR) allows you to buy a home with as little as a 20% Bitcoin contribution and build real wealth instead of losing money to traditional Private Mortgage Insurance (PMI). Instead of a down payment, contribute Bitcoin to a BMR escrow account that builds equity over time. When escrow value exceeds principal, you own your home free and clear.
As Bitcoin appreciates in your BMR escrow, the gains are split between you and the lender based on your PRN Loyalty Level. Diamond members get a 50/50 split, Gold members get a 40/60 split, Silver members get a 25/75 split while Basic is 20/80. This split is determined by your average Loyalty Level status over the life of the loan. (Example: If you were Diamond for 70/120 pay periods, you qualify for the Diamond split).
Refinance is a seamless process that allows you to remain in your home with superior terms by choosing either a Self-Repaying Mortgage (SRM) or a Bitcoin Mortgage (BMR).
The process involves three simple steps:
• Sell to TruFi (to pay off your existing mortgage)
• Choose Your Mortgage (SRM or BMR)
• Stay & Save (TruFi seller-finances the home back to you on superior terms).
The BLOC (Bitcoin Line of Credit) is a flexible, overcollateralized lending product that allows you to borrow liquidity against your Bitcoin (BTC) or prBTC without selling your assets. It is designed for both individuals and businesses to access capital globally while maintaining their long-term Bitcoin positions. You can qualify for an interest rate as low as 5% APR.
The BLOC uses Bitcoin (BTC/prBTC) directly as collateral at a 50% LTV, which carries liquidation risk if Bitcoin’s market price drops. In contrast, the BBLOC uses a Bitcoin Bond as collateral, offering a higher 100% LTV with zero liquidation risk, as it is borrowed against the bond's protected par value. Essentially, the BLOC is a flexible market-based loan, while the BBLOC is a more stable, principal-protected credit line.
Follow this step by step guide on how to first deposit digital assets into your Peoples Reserve account and perform a swap.
View the Swap Guide here
You can swap the following tokens within the Peoples Reserve marketplace:
• BTC (Bitcoin)
• ETH (Ethereum)
• USDT (Tether)
• USDC (USD Coin)
• PRN: Peoples Reserve Loyalty Tokens.
• prBTC: A reserve-backed version of Bitcoin.
• prUSD: The Peoples Reserve ecosystem stable coin.
Swap fees are the transaction costs charged when exchanging one asset for another (e.g., swapping BTC for prUSD). These fees are a percentage of the total transaction value and are used to provide instant liquidity on the platform.
| Loyalty Level | Swap Fee |
|---|---|
| Basic | 1.49% |
| Silver | 1.00% |
| Gold | 0.50% |
| Diamond | 0.25% |
(COMING SOON!)
The Peoples Reserve Debit Card is a prUSD-integrated payment tool that allows you to bridge the gap between your digital wealth and everyday spending. Unlike a traditional bank card that draws from a standard checking account, this card is powered by the Peoples Reserve ecosystem.
PRN is the native loyalty token of the People's Reserve ecosystem. Holding PRN unlocks tiered benefits including reduced borrowing rates, lower swap fees, fee rewards, and exclusive access to new products.
Yes. Your tier level is dynamic and based on the current value of PRN relative to your portfolio balance. If your PRN holdings drop below a tier threshold, your benefits and interest rates will adjust to match your current tier. To maintain your current tier you can buy more PRN or rent PRN from the Rental Vault.
PRN Tokens can be acquired through the SWAP service or via the Uniswap liquidity pool.
If you don't wish to purchase PRN outright, the Rental Vault allows you to "rent" the token's utility. This is a proprietary feature designed to help users maintain their loyalty benefits and interest rate discounts during periods of market volatility without needing to deploy more capital.
We have a tiered Loyalty Level program. The Loyalty Levels consist of:
• Basic
• Silver
• Gold
• Diamond
The amount of PRN tokens you hold relative to your portfolio balance determines your loyalty level. The higher the percentage of PRN tokens you hold, the higher the calculable economic benefits.
The Peoples Reserve loyalty program offers a wide range of financial advantages that scale as you move from Basic to Diamond. High-tier members enjoy significantly reduced swap and vault fees, as well as access to the platform’s lowest borrowing rates and most competitive mortgage terms. Additionally, being in a higher tier unlocks enhanced earning potential through boosted yields on assets and a greater share of participation rewards across the entire ecosystem..
Your loyalty tier is determined by the value of PRN in your portfolio relative to your portfolio balance:
| Loyalty Level | % Value |
|---|---|
| Basic | 0%–1.99% |
| Silver | 2%–5.99% |
| Gold | 6%–9.99% |
| Diamond | 10% or more |
Diamond members enjoy the lowest mortgage borrowing rate of 3% APR, the highest vault earnings potential, swap fees as low as 0.25%, up to 8% annual yield on RWA Property Claims, 100% fee rewards ratio, up to 3 free monthly withdrawals, and up to 50% off closing costs.
Your loyalty tier is determined by the value of PRN in your portfolio relative to your portfolio balance, Diamond requires 10% or more.
To view how much PRN you need for the Diamond level visit the Loyalty Levels section of your account.
Follow our comprehensive guide to increase your PRN holdings and reach the top tier benefits:
View the Upgrade Guide here
If there is downside volatility in PRN token price, it could affect your loyalty level status. You can purchase additional tokens or use our proprietary rental vault to maintain your loyalty level until the price rebounds.
In order to finalize a property claim or SRM reservation in the PRN Marketplace users must complete Proof of Ownership. This process is how Peoples Reserve authenticates the users’ property ownership. Once ownership is validated, we mint users’ NFT equity and it begins to earn interest in the internet economy. Without Proof of Ownership certification, no real world asset value can be claimed against our funding reserves, therefore; no interest can be earned.
Users will need to provide copies of their deed, homeowners insurance, or other important documents in order to prove they are the true and rightful owner of the claimed property. Once ownership is validated, the value of the user’s claim against our funding reserve is minted as NFT equity. Your NFT equity automatically begins to earn interest for you in the internet economy.
When making a property claim or SRM reservation in the PRN Marketplace there is absolutely NO Home Ownership Risk. This is not a debt based product but a revolutionary equity based solution, so; there is no liability, debt, or lien created against the property. Peoples Reserve simply confirms your property's tax assessed value and bridges this value to the internet economy.
NFT stands for Non-Fungible Token. NFTs are a specialized type of cryptographic tokens that represent a unique digital asset. In our Marketplace, NFTs are used to represent the unique claimable value of the user’s real world asset.
The Peoples Reserve glossary is a summary of terms relating to our specific ecosystem and the internet economy. To access the glossary and learn more please visit our DOCS - GLOSSARY