This FAQ answers common questions about Loyalty Levels, how they are calculated, and how they affect your benefits across the Peoples Reserve platform.
Table of Contents
- What are Loyalty Levels?
- How are Loyalty Levels calculated?
- What are the Loyalty Levels?
- How do I upgrade my Loyalty Level?
- When does my Loyalty Level update?
- Can my Loyalty Level decrease?
- Do I need to apply for a Loyalty Level?
- Does buying more PRN always increase my Loyalty Level?
- Is there a highest Loyalty Level?
- What benefits do higher Loyalty Levels unlock?
- Do Loyalty Levels affect RWA Property Claims?
- Do market fluctuations affect Loyalty Levels?
- Can I hold PRN outside the platform?
- Important Reminder
- Next Steps
What are Loyalty Levels?
Loyalty Levels are a tiered system that rewards long-term participation in the Peoples Reserve ecosystem.
Your Loyalty Level helps determine:
- Access to certain products
- Yield eligibility and limits
- Priority or premium features
Higher levels unlock greater benefits and opportunities.
How are Loyalty Levels calculated?
Loyalty Levels are calculated based on the percentage of PRN held in your portfolio relative to your total platform balance.
The system:
- Updates dynamically
- Reflects real-time portfolio changes
- Adjusts automatically as balances change
What are the Loyalty Levels?
| Loyalty Level | PRN in Portfolio |
|---|---|
| Basic | Up to 1.99% |
| Silver | 2% – 5.99% |
| Gold | 6% – 9.99% |
| Diamond | 10%+ |
Each tier unlocks progressively higher benefits.
How do I upgrade my Loyalty Level?
To upgrade your Loyalty Level:
- Increase the percentage of PRN in your portfolio
- Maintain the required percentage for the desired tier
Upgrades apply automatically. No manual request is required.
When does my Loyalty Level update?
- Updates occur automatically
- Changes may appear shortly after portfolio activity
- Deposits, withdrawals, or price changes can affect your tier
Can my Loyalty Level decrease?
Yes. If your PRN percentage falls below a tier’s requirement:
- Your Loyalty Level may adjust downward
- Associated benefits may change
This ensures the system remains fair and consistent.
Do I need to apply for a Loyalty Level?
No. Loyalty Levels:
- Are calculated automatically
- Do not require applications or approvals
- Adjust based on portfolio composition
Does buying more PRN always increase my Loyalty Level?
Not always. Your Loyalty Level depends on:
- The percentage of PRN in your portfolio
- Your total portfolio value
If other assets increase significantly, you may need additional PRN to maintain your tier.
Is there a highest Loyalty Level?
Yes. Diamond is the highest standard Loyalty Level on the platform.
What benefits do higher Loyalty Levels unlock?
Higher tiers may provide:
- Higher yield limits
- Access to advanced products
- Priority or early access features
- Enhanced platform privileges
Exact benefits vary by product and program.
Do Loyalty Levels affect RWA Property Claims?
Yes. For eligible programs such as RWA Property Claims:
- Higher Loyalty Levels unlock higher yield potential
- APY limits are tied directly to your tier
Do market fluctuations affect Loyalty Levels?
Yes. Because Loyalty Levels are percentage-based:
- Asset price changes can affect your PRN ratio
- Significant market movements may shift your tier
Regularly reviewing your portfolio is recommended.
Can I hold PRN outside the platform?
Only PRN held within your Peoples Reserve account is counted toward Loyalty Level calculations.