This FAQ answers the most common questions about the RWA Property Claim program, including eligibility, ownership, returns, and how the program works within the People’s Reserve ecosystem.
Table of Contents
- What is an RWA Property Claim?
- Do I still own my home?
- What does “fully paid off” mean?
- Who is eligible to participate?
- How does the RWA Property Claim generate returns?
- Is my home used as collateral?
- How often are returns paid?
- How much can I earn?
- Do returns change over time?
- Can I claim more than one property?
- Can I remove my property from the program?
- What happens if I sell my home?
1. What is an RWA Property Claim?
An RWA (Real World Asset) Property Claim converts the equity in your fully paid-off home into yield through the People’s Reserve digital marketplace.
Instead of:
Selling your home
Refinancing
Taking on debt
You claim your property into the ecosystem and earn passive returns backed by a funding reserve.
Key Advantage
You keep full ownership of your home while generating income from its equity.
2. Do I still own my home?
Yes. You retain full ownership at all times.
Your property is not sold
No mortgage is created
No lien is placed
No refinancing occurs
The RWA Property Claim does not transfer ownership or control of your home.
3. What does “fully paid off” mean?
Your property must be owned free and clear, meaning:
No mortgage
No home equity loan or HELOC
No liens
No outstanding property-related debt
⚠️ Important
If your property has any debt attached, it is not eligible for the RWA Property Claim program.
4. Who is eligible to participate?
To qualify, you must:
Own your home outright
Have no debts or liens on the property
Hold PRN loyalty tokens
Participation is exclusive to PRN holders and aligned with loyalty levels.
5. How does the RWA Property Claim generate returns?
Returns are generated through the People’s Reserve digital marketplace, supported by an RWA Funding Reserve.
This reserve:
Operates as a delta-neutral market-making fund
Supports yield generation in the digital economy
Is not dependent on selling or borrowing against your home
Your home remains intact while your claim produces yield.
6. Is my home used as collateral?
No.
Your home is not collateralized, pledged, or encumbered in any way.
The claim represents participation in the ecosystem—not a loan or security interest.
The RWA Property Claim is not:
A loan
A mortgage
A refinance
A debt instrument
It is a yield-generating claim tied to a fully owned real-world asset.
7. How often are returns paid?
Returns are designed to be:
Monthly
Paid as passive cash flow
Based on your current loyalty level
Exact payout schedules may vary depending on platform terms.
8. How much can I earn?
Returns depend on your PRN Loyalty Level, with yields up to 7.25% APY.
| Loyalty Level | PRN in Portfolio | Max APY |
|---|---|---|
| Basic | Up to 1.99% | 0% |
| Silver | 2% – 5.99% | 4% |
| Gold | 6% – 9.99% | 5% |
| Diamond | 10%+ | 7.25% |
ℹ️ Note
Higher loyalty tiers unlock higher yield potential.
9. Do returns change over time?
Yes. Returns may change if:
Your loyalty level changes
Platform yield conditions adjust
Program terms are updated
Your current APY is always tied to your active loyalty tier.
10. Can I claim more than one property?
Eligibility for multiple properties depends on:
Program limits
Verification requirements
Platform rules at the time of claim
Contact support if you plan to claim more than one property.
11. Can I remove my property from the program?
Yes. Since ownership is retained:
You may exit the program per platform terms
Your home remains yours regardless of participation status
Specific exit conditions are outlined in the program agreement.
12. What happens if I sell my home?
If you sell your home:
You no longer own the property
The RWA Property Claim becomes invalid
Yield generation stops
Reminder
You must own the property to earn from it.
Important Reminder
⚠️ Reminder
Only properties owned free and clear are eligible. If you do not own your property outright, you cannot earn from an RWA Property Claim.