The Home Equity Bitcoin Line of Credit (HEBLOC) is a product from Peoples Reserve designed to unlock the true potential of your home equity. Instead of letting equity sit idle and grow modestly at traditional rates, HEBLOC converts it into Bitcoin equity — giving you access to the best-performing asset of the past decade.
What is HEBLOC?
HEBLOC transforms your home equity into Bitcoin-powered savings technology. Most Americans hold the majority of their wealth in home equity, which historically grows at 2%–8% CAGR. By leveraging Bitcoin Powered Finance, you can align your equity with Bitcoin’s historic 80%+ 10-year CAGR, positioning yourself for exponential long-term growth.
Why Choose HEBLOC?
- Unlock Idle Wealth: Convert home equity into Bitcoin equity to accelerate wealth creation.
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Flexible Rates:
- Diamond PRN Loyalty members: 7.5% APR
- Overcollateralize with additional Bitcoin to reduce rates to as low as 3.5% APR
- Engineered for Growth: Bitcoin’s long-term performance offers significantly higher upside than static home equity.
- Built on Loyalty: The more PRN you hold, the better your borrowing terms and benefits.
Example: Transforming Home Equity into Bitcoin Equity
Let’s compare two scenarios for a homeowner with $200,000 in equity:
Scenario 1: Keep Home Equity
- Home equity CAGR: 8%
- Value after 10 years: $431,784
Scenario 2: Transform with HEBLOC
- Loan amount: $200,000
- APR: 7.5% (Diamond Loyalty Level)
- Loan term: 10 years
- Total loan cost: $284,884 ($28,488/year)
- Bitcoin purchased: 1.89 BTC (at $107,141 per BTC)
- Assumed 10-year Bitcoin CAGR: 30%
- Bitcoin value after 10 years: $2,757,169
Net Result:
- Bitcoin Value: $2,757,169
- Minus HEBLOC Cost: $284,884
- Potential Proceeds: $2,472,285
Compared to leaving equity in the home, this scenario grows wealth by an additional $2,040,500 — a 472% increase.
Key Takeaways
- HEBLOC is a wealth accelerator.
- Bitcoin equity has historically outpaced traditional home equity growth many times over.
- PRN Loyalty Levels reduce borrowing costs and boost overall returns.
- Instead of preserving wealth, HEBLOC helps you engineer exponential growth.