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)
Advancing through the loyalty tiers unlocks superior yields and expands your capacity to participate in high-demand real estate opportunities. Higher tiers offer a more significant return on your invested capital.
| Benefit | Gold (6%–9.99%) | Diamond (10%+) |
|---|---|---|
| Earned Yield | 5% | 8% |
| Max Claims | 1 | 2 |
| Claim Limit per Property | $250,000 | $500,000 |
Borrow Benefits
Our borrowing products are designed to become significantly more affordable as you climb the loyalty ladder. By holding more PRN, you reduce your APR, decrease closing costs, and gain more flexibility with your borrowing power.
Bitcoin Powered Mortgage (BMR)
Ascending to higher tiers dramatically lowers your interest rate and increases your share of the escrow upside. Diamond members enjoy the lowest APRs and the ability to manage multiple mortgages simultaneously.
| Benefit | Basic | Silver | Gold | Diamond |
|---|---|---|---|---|
| Interest Rate (APR) | 6% | 5.5% | 4% | 3% |
| Min. Reserve Contribution | 20% | 20% | 20% | 20% |
| Reserve Split (B/L) | 20% / 80% | 25% / 75% | 40% / 60% | 50% / 50% |
| Closing Fee Discount | — | 10% | 25% | 50% |
| # of Mortgages | 1 | 1 | 1 | 2 |
Bitcoin Line of Credit (BLOC)
Higher tiers offer significantly lower APRs, with Diamond members accessing the most competitive rates, especially when maintaining higher over-collateralization.
| Loyalty Tier | Starting APR | Lowest APR (200% Over-Coll.) |
|---|---|---|
| Basic | 13% | 9% |
| Silver | 12% | 8% |
| Gold | 11% | 7% |
| Diamond | 9% | 5% |
Self Repaying Mortgage (SRM) Overview
Bitcoin, Gold & Silver as Pristine Collateral
Borrow against your assets, keep your savings. No selling, no taxable events — just liquidity on your terms.
- 1:1 Collateral: Buyers must post 100% of the purchase price of the home to initiate an SRM.
- No Liquidation Risk: Dual collateralization of property title and collateral means no margin calls.
- Qualified Custody: Your collateral is held by our strategic partner, industry-leading custodian, BitGo.
- No Rehypothecation: Collateral is held in a bankruptcy remote account, preventing claims and providing long-term security.
- Sound Money Qualified: No credit check, no income verification needed. Your savings is your credit score and speaks for itself.
- Variable Interest Rate: Your interest rate is based on the collateral ratio of the loan. Increase your collateral ratio to decrease your interest rate.
- As low as 1% APR: Overcollateralize your mortgage to reduce lender risk and gain access to the cheapest cost of capital in the world.
- PRN Advantages: Higher PRN tiers unlock lower rates, discounted fees.
| Loyalty Tier | Basic Up to 1.99% |
Silver 2% – 5.99% |
Gold 6% – 9.99% |
Diamond 10% + |
|---|---|---|---|---|
| Starting APR | 8% | 7% | 6% | 5% |
| Minimum Starting LTV | 100% | 100% | 100% | 100% |
| Lowest APR (33% LTV) | 4% | 3% | 2% | 1% |
| Fees Discount | — | 10% | 25% | 50% |
| # of Mortgages | 1 | 1 | 1 | 2 |
Bitcoin Bond Line of Credit (BBLOC)
Leverage your yield-bearing assets with increasing efficiency. Moving up the tiers ensures you maintain access to liquidity at increasingly favorable interest rates.
| Loyalty Tier | Interest Rate (APR) |
|---|---|
| Basic | 12% |
| Silver | 11% |
| Gold | 9% |
| Diamond | 8% |
Spend Benefits
Your loyalty status directly impacts your day-to-day spending efficiency, offering lower load fees and higher daily spending limits as you progress toward Diamond status.
| Benefit | Basic | Silver | Gold | Diamond |
|---|---|---|---|---|
| Load Fee | $25 | $20 | $15 | $10 |
| Daily Load Limit | $750 | $1,500 | $2,500 | $5,000 |
More Benefits
Maximizing your loyalty tier provides access to enhanced platform rewards, free monthly withdrawals, and significantly reduced swap fees, ensuring your capital remains active and efficient.
| Benefit | Basic | Silver | Gold | Diamond |
|---|---|---|---|---|
| Rewards Ratio | 0% | 25% | 50% | 100% |
| Free Withdrawals per Month | 0 | 1 | 2 | 3 |
| 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. This means higher efficiency, greater rewards, and better access to platform benefits as you increase your PRN ratio.