This FAQ answers common questions about Loyalty Tiers, how they are calculated, and how they affect your benefits across the Peoples Reserve platform.
Table of Contents
- What are Loyalty Tiers?
- How are Loyalty Tiers calculated?
- What are the Loyalty Tiers?
- How do I upgrade my Loyalty Tier?
- When does my Loyalty Tier update?
- Can my Loyalty Tier decrease?
- Do I need to apply for a Loyalty Tier?
- Does buying more PRN always increase my Loyalty Tier?
- Is there a highest Loyalty Tier?
- What benefits do higher Loyalty Tiers unlock?
- Do Loyalty Tiers affect RWA Property Claims?
- Do market fluctuations affect Loyalty Tiers?
- Can I hold PRN outside the platform?
- Important Reminder
- Next Steps
What are Loyalty Tiers?
Loyalty Tiers are a tiered system that rewards long-term participation in the Peoples Reserve ecosystem.
Your Loyalty Tier helps determine:
- Access to certain products
- Yield eligibility and limits
- Priority or premium features
Higher tiers unlock greater benefits and opportunities.
How are Loyalty Tiers calculated?
Loyalty Tiers 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 Tiers?
| Loyalty Tier | 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 Tier?
To upgrade your Loyalty Tier:
- 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 Tier update?
- Updates occur automatically
- Changes may appear shortly after portfolio activity
- Deposits, withdrawals, or price changes can affect your tier
Can my Loyalty Tier decrease?
Yes. If your PRN percentage falls below a tier’s requirement:
- Your Loyalty Tier may adjust downward
- Associated benefits may change
This ensures the system remains fair and consistent.
Do I need to apply for a Loyalty Tier?
No. Loyalty Tiers:
- Are calculated automatically
- Do not require applications or approvals
- Adjust based on portfolio composition
Does buying more PRN always increase my Loyalty Tier?
Not always. Your Loyalty Tier 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 Tier?
Yes. Diamond is the highest standard Loyalty Tier on the platform.
What benefits do higher Loyalty Tiers 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 Tiers affect RWA Property Claims?
Yes. For eligible programs such as RWA Property Claims:
- Higher Loyalty Tiers unlock higher yield potential
- APY limits are tied directly to your tier
Do market fluctuations affect Loyalty Tiers?
Yes. Because Loyalty Tiers 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 Tier calculations.