This article provides a complete overview of the core products and tools available within the Peoples Reserve ecosystem. These offerings are designed to help individuals, businesses, and government institutions protect capital, generate yield, and unlock the purchasing power of sound money (Bitcoin, Gold, and Silver) without giving up ownership of their assets.
The Peoples Reserve Ecosystem
Peoples Reserve is a complete sound money financial ecosystem, uniting Bitcoin Powered Finance, Real-World Asset (RWA) property claims, and a loyalty-based tier system — Peoples Reserve Network (PRN), on one platform. Each product is built to help you Build Wealth Smarter: earn yield, access liquidity, and spend seamlessly, all without ever selling your assets.
Core Ecosystem Themes:
- Capital Protection: Utilizing strategic instruments like U.S. Treasuries to eliminate downside risk while capturing Bitcoin’s asymmetric upside.
- Pristine Collateral: Leveraging Bitcoin to secure credit lines and financing with zero traditional credit checks or income verification.
- Loyalty-Driven Benefits: Terms, origination fees, interest rates, and yields improve dynamically based on your underlying PRN Loyalty Tier.
1. EARN: Yield Generation Products
Bitcoin Bonds
Designed to deliver bond-like safety with equity-like returns, these instruments combine U.S. Treasury notes for 100% principal protection with direct Bitcoin price exposure for enhanced yield.
- Terms: Available in 5-year and 10-year durations for individuals, businesses, and government entities.
- Liquidity: Borrow against the par value of the underlying UST allocation with zero liquidation risk.
- Distributions: Yield is paid out semiannually in prUSD.
- Fees: Cost of Issuance is 2% for all tiers. Performance Fee scales by loyalty tier: 20% Basic, 15% Silver, 10% Gold, 5% Diamond.
Vaults
Diversified, risk-managed strategies designed to perform efficiently across shifting macroeconomic and market conditions:
- prUSD Arbitrage Vault: Low-risk, medium-reward yield captured on dollar-denominated holdings via automated stablecoin arbitrage.
- PRN Rental Vault: Earn passive income by providing PRN market liquidity into the platform's ecosystem.
- Digital Real Estate Fund Vault: Traditional cash-flowing real estate strategies enhanced with a Bitcoin financing component to increase performance and returns.
- Inflation Hedge Vault: Protect purchasing power with a strategic allocation to gold, silver, and Bitcoin; designed for wealth preservation.
Fees: Entry and Exit Fees are 1% Basic, 0.5% Silver, 0.25% Gold, and waived for Diamond. Cost of Issuance is 2% for all tiers. Performance Fee scales by loyalty tier: 20% Basic, 15% Silver, 10% Gold, 5% Diamond.
Real World Asset (RWA) Property Claims
A loyalty benefit, not a loan, available to Gold and Diamond tier members who own their residential real estate outright with a clean, unencumbered title. There is no lien, no encumbrance, and no risk to your title; you retain 100% ownership and control of your property the entire time.
- Passive Monthly Rewards: Receive passive monthly crypto rewards paid in prBTC, based on your PRN loyalty tier and your home's Tax Assessed Value (TAV), scaling up to 8% APY.
- Zero Ownership Risk: No debt, liens, or encumbrances are placed against the real estate; property title remains 100% in your name.
| Loyalty Tier | Earned Yield | Max Claims | Claim Limit per Property (TAV) |
|---|---|---|---|
| Gold (6%–9.99%) | 4% APY | 1 Property | $250,000 |
| Diamond (10%+) | 8% APY | 2 Properties | $500,000 |
*Note: Basic and Silver tiers are currently ineligible for RWA Property Claim yields.
2. BORROW: Bitcoin Powered Mortgages
Self-Repaying Mortgage (SRM)
Home financing backed by a 1:1 sound money collateral structure (Bitcoin, Gold, or Silver), with no credit check and no income verification required.
- Self-Repaying Mechanism: Bitcoin's historical growth works in your favor over the life of the loan. As your collateral appreciates, your collateral ratio rises and your rate drops, lowering your monthly payment. You can also apply any collateral above your 1:1 requirement toward principal, or withdraw it at any time. Upon payoff, you receive 100% of your collateral back.
- Dynamic Rates: Your interest rate is based on two dynamic levers: your Loyalty Tier and the Collateral Ratio (CR) of the loan. Each monthly pay period, every 10% change in your collateral ratio increases or decreases your rate by 0.2% APR, setting a structural floor at 1% APR and a cap at 10% APR.
- Loyalty Lock: An optional feature elected at closing that fixes the tier portion of your starting APR for the full loan term, for a one-time 5% financeable fee. The collateral-ratio adjustment still applies.
| SRM Metric | Basic | Silver | Gold | Diamond |
|---|---|---|---|---|
| Starting APR | 8% | 7% | 6% | 5% |
| Lowest APR (33% LTV) | 4% | 3% | 2% | 1% |
| Highest APR ($0 collateral) | 10% | 9% | 8% | 7% |
| Origination Discount | — | 10% | 25% | 50% |
| Max Mortgages | 1 | 1 | 2 | ∞ |
*Note: Minimum Starting LTV is 100% for all tiers.
Bitcoin Mortgage (BMR)
The Bitcoin Mortgage Reserve (BMR) is designed for home buyers who prefer not to deploy 1:1 collateral. The Bitcoin Mortgage enables home purchases with as little as a 20% contribution into a Bitcoin Mortgage Reserve (BMR).
- Qualification: Unlike the Self-Repaying Mortgage, the Bitcoin Mortgage requires a standard credit check and debt-to-income (DTI) verification. Monthly BMR payments scale with your credit score, ranging from $10 per $100,000 borrowed for scores of 780+ up to $50 per $100,000 borrowed for scores between 620-659.
- 30% Waiver: Contributing 30% (instead of the 20% minimum) into your BMR escrow waives the monthly BMR payment entirely.
- BMR vs. PMI: Instead of traditional, sunk-cost Private Mortgage Insurance, monthly BMR payments are systematically routed to buy Bitcoin for an escrow account that builds equity in your favor.
- Accelerated Payoff: At Bitcoin's historical Compound Annual Growth Rate (CAGR) of roughly 30%, a 30-year mortgage can be paid off as early as year 8 at the Diamond tier and around year 12 at the Basic tier.
- Single lever, dual function: Your PRN loyalty tier controls the BMR, setting both your APR and your final reserve split. Rates scale from 6% at Basic down to 3% at Diamond. The more PRN you hold, the less you pay.
- Shared Reserve Split: Your BMR escrow grows with Bitcoin. Share the upside based on your PRN loyalty tier up to 50/50 in your favor at Diamond Tier.
- Determination of Split: This split is determined by the loyalty tier you hold for at least 80% of the loan.
If any tier is maintained for at least 80% of the monthly pay periods, that tier split applies.
If any tier is not maintained for at least 80% of the monthly pay periods, the tier BELOW the tier with the highest % of monthly pay periods will be applied to the split. - Loyalty Lock: Fixes both your APR and your final reserve split at the tier you choose on closing day, for a one-time 5% fee that can be financed into closing costs.
| BMR Metric | Basic | Silver | Gold | Diamond |
|---|---|---|---|---|
| Interest Rate (APR) | 6% | 5.5% | 4% | 3% |
| Min. Reserve | 20% | 20% | 20% | 20% |
| Upside Split (B/L) | 20% / 80% | 25% / 75% | 40% / 60% | 50% / 50% |
| Origination Discount | — | 10% | 25% | 50% |
| Max Mortgages | 1 | 1 | 2 | ∞ |
Note: Bitcoin's future growth is not guaranteed. These figures are illustrative and based on historical data only.
Refinancing Options (via TruFi)
Transition from traditional bank mortgages directly into an innovative Self-Repaying Mortgage (SRM) or Bitcoin Mortgage (BMR) through our institutional "Sell and Finance Back" model.
TruFi Fund
TruFi serves as the exclusive liquidity provider for Peoples Reserve's Bitcoin Powered Mortgage products. Peoples Reserve is not a traditional lender and does not deposit loan proceeds into a borrower's bank account. Instead, subject to underwriting and transaction approval, TruFi purchases the property at fair market value and seller-finances it to the client through an installment contract for deed.
- The Process: TruFi purchases the property at fair market value. In a refinance transaction, the proceeds are used to satisfy the existing mortgage as part of the closing process. Legal title remains in TruFi's name during the repayment period and transfers to the client once all obligations under the installment contract have been fully satisfied. Bitcoin Powered Mortgages are available across all 50 U.S. states, subject to applicable state law, property eligibility, underwriting, and transaction approval.
Lines of Credit
Coming Soon: The Bitcoin Bond Line of Credit (BBLOC) and Bitcoin Line of Credit (BLOC) are not yet live on the platform.
Unlock working capital from your portfolio using flexible borrowing structures:
- Bitcoin Bond Line of Credit (BBLOC): Unlock the par value of the UST allocation side of your Bitcoin Bond. Features zero liquidation risk and no margin calls.
- Bitcoin Line of Credit (BLOC): Use your BTC or prBTC as collateral at a fixed 50% loan-to-value ratio, with clear LTV-based risk thresholds so you always know where you stand.
- BLOC Risk Thresholds: 70% LTV triggers a Margin Warning, 75% LTV triggers a Margin Call, 80% LTV is the Final Call, and at 85% LTV a partial auto-liquidation occurs (approximately 57% of collateral sold to bring LTV back to 65% or below).
| Loyalty Tier | BLOC APR | BBLOC APR |
|---|---|---|
| Basic | 12% | 12% |
| Silver | 11% | 11% |
| Gold | 9% | 9% |
| Diamond | 8% | 8% |
3. SPEND: Purchasing Tools
PRN Token & Loyalty System
The Peoples Reserve Network (PRN) token is the platform's native ERC20 loyalty token, sitting at the center of the ecosystem and unlocking global platform discounts based on the percentage of PRN you maintain across your broader balance sheet.
PRN has a fixed max supply of 1,000,000,000 tokens (ERC20, live on Uniswap V4), allocated as follows: 25% public sale, 22% funding reserves, 17% liquidity provision, 12% founders, 10% community presale, 5% legal/PR, 5% insurance fund, and 4% advisors/team.
- Loyalty Tiers: Basic (Up to 1.99%), Silver (2%–5.99%), Gold (6%–9.99%), and Diamond (10%+).
- Level Up: Moving up tiers unlocks larger origination fee discounts on mortgages, higher RWA property claim limits, lower interest rates, reduced Swap fees, free monthly withdrawals, and more.
PRN Loyalty Tier Thresholds (% of PRN held relative to your total portfolio/mortgage balances):
| PRN Loyalty Tier | Basic | Silver | Gold | Diamond |
|---|---|---|---|---|
| % of PRN in Portfolio | Up to 1.99% | 2% - 5.99% | 6% - 9.99% | 10%+ |
PRN Staking
Lock your PRN tokens for a fixed term to earn additional rewards on top of your existing loyalty tier benefits. Since PRN has a fixed max supply of 1 billion tokens, staking rewards are paid from the Community Building Treasury rather than created through inflation.
- 6-Month Lock: Earn 10% APY.
- 12-Month Lock: Earn 15% APY.
Swap Engine
Enjoy fast swaps between all core platform assets, including BTC, ETH, PRN, USDC, USD, and USDT.
| Loyalty Tier | Basic | Silver | Gold | Diamond |
|---|---|---|---|---|
| Swap Fee | 1.49% | 1.25% | 0.75% | 0% |
Debit Card
Coming Soon: The Peoples Reserve Debit Card is not yet live on the platform.
A premium multi-asset payment card backed by global networks and accepted across more than 150 countries. Features instant stablecoin-to-local fiat liquidation, metal card customization options, cashback rewards, and instant wallet reloads.
| Loyalty Tier | Basic | Silver | Gold | Diamond |
|---|---|---|---|---|
| Cashback (paid in prBTC) | 0.25% | 0.5% | 1% | 2.5% |
4. CORPORATE & GOVERNMENT SERVICES
Institutional Accounts
Tailored treasury optimization structures deployed specifically for public municipalities, state departments, and institutional corporate enterprises.
- Treasury Optimization: Allocate capital reserves securely into underlying Bitcoin Bonds to accrue institutional yield while retaining principal protection via U.S. Treasury collateral notes.
- Public Sector Funding: Borrow against your Bitcoin Bond Treasury Capital to fund infrastructure, public services, and strategic initiatives, all while maintaining full upside exposure and zero liquidation risk.
- No Rehypothecation: Collateral is held in a bankruptcy-remote account custodied by BitGo, preventing claims and providing long-term security.
White Glove Services
A complimentary, concierge-level service for clients with portfolios of $1 million or more. Includes a dedicated point of contact, priority support with expedited assistance, and bespoke deal structuring tailored to your financial goals, with no additional fees beyond standard product pricing.
PR Ventures
We partner with visionary founders building the future of Bitcoin Powered Finance. PR Ventures provides up to $1M in funding, mentorship, and access to our network for startups building on Peoples Reserve infrastructure. Our team reviews submissions and will reach out if there's a fit.
5. Additional Offerings
D.R.E.A.M.
D.R.E.A.M. (Digital Real Estate Association of Members) is the official Peoples Reserve real estate agent certification and referral network, bridging traditional real estate with Bitcoin- and Gold/Silver-powered financing.
Certified agents receive qualified buyer referrals and specialize in seller-financing/contract-for-deed strategies alongside Self-Repaying Mortgages and Bitcoin Mortgages.
- Certification: Available on a yearly ($400) or quarterly ($125) subscription, plus a one-time $250 certification fee.
- Referral Commission: Standard fee structure of 75% agent / 25% referrer on closed deals.
- Affiliate Program: Open to anyone (no real estate license required) - earn $25 for every agent referred to the D.R.E.A.M. network.
AI Agent: HouseFacts
Coming Soon: HouseFacts Deep Reports are not yet live on the platform.
An advanced artificial intelligence framework utilized to instantaneously track, verify, analyze, and format localized real estate property profiles.
- HouseFacts Deep Reports: Compiles verified histories detailing property title changes, historical building updates, and neighborhood records for buyers.
- AI Agent Plus Integration: Upgrading to our Plus network track expands the maximum RWA Property Claim limits on eligible real estate to $1M of Taxed Assessed Value (TAV).
- Pricing: AI Agent is priced at $9.99/month; AI Agent Plus is priced at $999/month.
HealthShare
Coming Soon: The Peoples Reserve HealthShare is not yet live on the platform.
A decentralized, peer-supported healthcare sharing program where individual subscriber premium balances are reduced and coverage limits are enhanced by utilizing underlying yield generated through institutional Bitcoin Bonds.