This article provides an overview of the core products and tools available within the Peoples Reserve ecosystem. Together, these offerings are designed to help individuals, businesses, and institutions protect capital, generate yield, and capture Bitcoin’s long-term upside all while benefiting from PRN Loyalty Levels.
The Peoples Reserve Ecosystem
Peoples Reserve combines Bitcoin-powered finance, real-world asset (RWA) technology, and loyalty-based incentives into a single integrated platform. Each product is designed to work independently or together, allowing users to build resilient, growth-oriented financial strategies.
Core themes across the ecosystem include:
- Capital protection with asymmetric upside
- Bitcoin exposure without forced selling
- Loyalty-driven benefits that improve terms over time
- Real-world assets generating on-chain yield
Bitcoin Bonds
Bitcoin Bonds are designed to deliver bond-like safety with equity-like returns. They combine U.S. Treasury Notes for principal protection with Bitcoin exposure for long-term growth.
- Principal protection through U.S. Treasuries
- Unlimited upside from Bitcoin appreciation
- Suitable for individuals, businesses, and institutions
Bitcoin Bonds eliminate the traditional tradeoff between safety and growth by guaranteeing principal while maintaining exposure to Bitcoin’s performance.
Home Equity Bitcoin Line of Credit (HEBLOC)
HEBLOC transforms idle home equity into Bitcoin-powered growth. Instead of relying on slow traditional home appreciation, HEBLOC allows homeowners to convert equity into Bitcoin exposure while benefiting from PRN Loyalty-based rate reductions.
- Turns home equity into Bitcoin equity
- APR reductions based on PRN Loyalty Level
- Designed for long-term wealth acceleration
By combining real estate stability with Bitcoin’s historic growth, HEBLOC helps homeowners engineer exponential outcomes rather than preserve stagnant equity.
Bitcoin Self-Repaying Mortgage (SRM)
The Bitcoin Self-Repaying Mortgage reimagines home financing by allowing Bitcoin growth and real-world asset contributions to actively reduce mortgage debt over time.
- Bitcoin used as collateral without liquidation risk
- Dynamic interest rates that improve as collateral grows
- Home Equity Contributions (HEC) generate monthly repayment support
Unlike traditional mortgages that lock borrowers into decades of fixed payments, the SRM allows assets, property, and loyalty to work together to reduce debt.
Bitcoin Line of Credit (BLOC)
The Bitcoin Line of Credit allows users to unlock liquidity from their Bitcoin holdings without selling. Unlike the SRM, BLOC is fully collateralized by Bitcoin and carries liquidation risk.
- No credit checks or income verification
- No taxable event from selling Bitcoin
- Improved rates and LTVs through PRN Loyalty Levels
RWA Property Claim
The RWA Property Claim program allows homeowners with fully paid-off properties to generate monthly cash flow without selling, refinancing, or taking on debt.
- Only available for properties owned free and clear
- No loss of ownership or encumbrance
- Yields up to 7.25% APY based on Loyalty Level
By integrating real estate into the Peoples Reserve digital marketplace, users can transform dormant home equity into a productive income stream.
PRN Vaults
PRN Vaults are structured allocation strategies designed to generate yield, manage risk, and support the broader Peoples Reserve ecosystem.
Vault strategies include:
- prUSD Arbitrage Vault
- Inflation Hedge Vault (Gold + Bitcoin)
- PRN Rental Vault
- Bitcoin Bond Vault
- Custom Institutional Vaults
Vaults provide access to strategies typically reserved for institutions, allowing users to hedge inflation, earn yield, and optimize loyalty benefits.
Token Swapping & Swap Engine
The Swap Engine allows users to exchange supported digital assets directly within their PRN account, eliminating the need for external exchanges.
- Instant swaps between supported assets
- Lower fees for higher PRN Loyalty Levels
- Secure, on-platform conversions
Supported assets include BTC, ETH, prUSD, prBTC, PRN, USDC, and USDT.
PRN Loyalty Levels
PRN Loyalty Levels sit at the center of the Peoples Reserve ecosystem. Holding PRN unlocks lower borrowing rates, higher yields, reduced swap fees, and enhanced benefits across nearly every product.
The more PRN you hold, the more powerful the ecosystem becomes for you.