The RWA (Real-World Asset) Property Claim program is an exclusive vehicle for Gold and Diamond members to generate yield from debt-free real estate. Because this program involves integrating physical assets into the digital economy via the RWA Funding Reserve, the verification process is rigorous. If your claim was not approved, it is typically due to specific eligibility gaps regarding title or loyalty status.
Approval Requirements
To ensure a successful application, your property and account must meet the following institutional standards:
| Requirement | Standard for Approval |
|---|---|
| Ownership Status | 100% "Free and Clear" (No mortgages/liens/debts) |
| Loyalty Tier | Gold (6%-9.99% PRN) or Diamond (10%+ PRN) |
| Documentation | Deed, Insurance, & Tax docs (See PoW) |
| Claim Limit | Within tier limits ($250k Gold / $500k Diamond) |
How to Identify a Denial
If your submission is not approved, the system provides immediate feedback through your member portal:
- Dashboard Alert: Look for a notification indicator in the upper-right corner of your account dashboard.
- The Bell Icon: Click the bell icon to view specific security notifications detailing the reason for the denial.
- Guidance Notes: Denials include instructions on which specific data point failed verification (e.g., loyalty tier or debt status).
Primary Reasons for Claim Denial
To maintain the integrity of the Delta-Neutral Market-Making Fund, all claims must meet these strict criteria:
- Existing Encumbrances: Properties with active mortgages, tax liens, or any secondary debt are ineligible.
- Tier Ineligibility: The program is currently unavailable to Basic and Silver members. Claims will be suspended if PRN holdings drop below 6% of your total portfolio balance.
- Ownership Discrepancies: If the property has Multiple Owners, you must utilize the specific workflow requiring consent from all titleholders.
Example Scenario: Tier Gap
If a user submits a claim for a $300k TAV debt-free home but only holds 5% PRN (Silver Tier):
- The Result: The claim is automatically denied by the system.
- The Fix: The user must increase PRN holdings to at least 6% (Gold) to unlock the $250k TAV claim limit and then resubmit.
*Note: To unlock the full $300k upgrade to the Diamond level (Max of $500k TAV).
Resolution Steps
If your claim was denied, follow this sequence to rectify the submission:
- Audit Your Loyalty Level: Ensure your portfolio meets the minimum PRN token threshold of 6% (Gold) or 10% (Diamond) threshold.
- Clear Title Issues: Verify that all previous liens have been officially discharged and recorded.
- Documentation Review: Ensure the uploaded deed matches your Peoples Reserve account name exactly.
- Reapply: Once resolved, submit a new claim via the "Marketplace."