The Loyalty Level Program rewards you based on how much PRN you hold compared to your overall portfolio and mortgage balances. The more PRN you maintain in your account, the higher your loyalty tier and the greater the benefits across Earn, Borrow, Spend, and More categories.
How Loyalty Levels Work
Your Loyalty Level is determined by the percentage of PRN tokens in your account relative to your total portfolio and mortgage balances:
- Basic: Up to 1.99% PRN
- Silver: 2% – 5.99% PRN
- Gold: 6% – 9.99% PRN
- Diamond: 10%+ PRN
Earn Benefits (RWA)
By holding more PRN, you unlock better yields and higher claim limits on Real World Asset (RWA) properties:
| Benefit | Basic (Up to 1.99%) |
Silver (2%–5.99%) |
Gold (6%–9.99%) |
Diamond (10%+) |
|---|---|---|---|---|
| Earned Yield | 0% | 4% | 5% | 7.25% |
| # Properties | 0 | 1 | 1 | 2 |
| Claim Limit per Property | $0 | $125,000 | $250,000 | $500,000 |
Vault Fees
| Fee Type | Basic | Silver | Gold | Diamond |
|---|---|---|---|---|
| Entry Fee | 1% | 0.5% | 0.25% | 0% |
| Management Fee | 2% | 2% | 2% | 2% |
| Performance Fee | 20% | 15% | 10% | 5% |
| Exit Fee | 1% | 0.5% | 0.25% | 0% |
Borrow Benefits
Loyalty Levels impact both the Bitcoin Powered Mortgage and the Bitcoin Line of Credit:
Bitcoin Powered Mortgage
| Benefit | Basic | Silver | Gold | Diamond |
|---|---|---|---|---|
| Starting APR | 10.5% | 9.5% | 8.5% | 7.5% |
| HEC Earn Rate | 4% | 4% | 5% | 7.25% |
| HEC Claim Limit | $30,000 | $125,000 | $250,000 | $500,000 |
| HEC Increase Thresholds | Every 20% | Every 10% | Every 5% | Each Payment |
| Closing Fee Discount | 0% | 10% | 25% | 50% |
| # of Mortgages | 1 | 1 | 1 | 2 |
Bitcoin Line of Credit
| Benefit | Basic | Silver | Gold | Diamond |
|---|---|---|---|---|
| Interest Rate | 16% | 14% | 13% | 11% |
| LTV Ratio | 40% | 50% | 60% | 70% |
Spend Benefits
Your Loyalty Level also affects debit card fees and limits:
| Benefit | Basic | Silver | Gold | Diamond |
|---|---|---|---|---|
| Load Fee | $25 | $20 | $15 | $10 |
| Daily Load Limit | $750 | $1,500 | $2,500 | $5,000 |
More Benefits
Participation Fee Rewards
| Benefit | Basic | Silver | Gold | Diamond |
|---|---|---|---|---|
| Rewards Ratio | 0% | 25% | 50% | 100% |
Withdrawal Benefits
| Benefit | Basic | Silver | Gold | Diamond |
|---|---|---|---|---|
| Withdrawal Fee | $10 | $10 | $10 | $10 |
| Free Withdrawals per Month | 0 | 1 | 2 | 3 |
Swap Benefits
| Benefit | Basic | Silver | Gold | Diamond |
|---|---|---|---|---|
| Swap Fee | 1.49% | 1% | 0.5% | 0.25% |
Why It Matters
The Loyalty Program rewards long-term holders by lowering costs and increasing yields across every product category—Earn, Borrow, Spend, and More. This means higher efficiency, greater rewards, and better access to platform benefits as you increase your PRN ratio.