Peoples Reserve Vaults are diversified, risk-managed investment vehicles designed to grow wealth across various market conditions. Unlike traditional savings accounts, these vaults utilize sophisticated "Alpha" strategies—such as stablecoin arbitrage, financial engineering with U.S. Treasuries, and hard-asset protection—to provide institutional-level returns. Every vault is built with a focus on downside protection, allowing users to access high-growth potential without the typical volatility of direct crypto exposure.
A Vault is a sophisticated, risk-managed investment product designed to generate institutional-level returns through advanced Bitcoin and DeFi strategies. Unlike a traditional savings account, Vaults offer Risk-Managed Alpha, providing steady yields while prioritizing downside protection.
What makes Peoples Reserve Vaults different from a regular savings account?
Unlike traditional accounts that offer stagnant interest rates, our vaults provide Risk-Managed Alpha. We provide access to sophisticated DeFi and Bitcoin strategies previously reserved for specialists. You get institutional-level returns with built-in downside protection, all with no minimums and no gatekeeping.
What are the different Vault strategies available?
There are four primary strategies:
- Bitcoin Bond Vault: Combines U.S. Treasuries for 100% principal protection with Bitcoin to capture market upside.
- prUSD Arbitrage Vault: Generates steady, low-risk cash flow by identifying price differences between stablecoins and fiat-pegged assets.
- Inflation Hedge Vault: Preserves purchasing power by strategically balancing investments across Gold, Silver, and Bitcoin.
- PRN Rental Vault: Turns idle PRN tokens into a productive asset by "renting" them as liquidity to the ecosystem to earn fee rewards.
How do Loyalty Tiers affect my Vault returns?
Your loyalty tier directly impacts your net returns by reducing the fees that deduct from your profits. While all tiers pay a 2% management fee, higher tiers see a massive reduction in performance and transaction costs:
| Feature | Basic Up to 1.99% | Silver 2% – 5.99% | Gold 6% – 9.99% | Diamond 10% + |
|---|---|---|---|---|
| Entry Fee | 1% | 0.5% | 0.25% | FREE |
| Management Fee | 2% | 2% | 2% | 2% |
| Performance Fee | 20% | 15% | 10% | 5% |
| Exit Fee | 1% | 0.5% | 0.25% | FREE |
Essentially, a Diamond member keeps 15% more of their earned profits compared to a Basic member.
What are “management fees?”
Fees paid to utilize People Reserve Vault products as they are managed funds.
What is a “performance fee” and why is it tiered?
A performance fee is a profit-sharing mechanism that aligns the interests of the platform with the investor. It is only charged on the new profits generated by the vault, not on your initial capital. By tiering this fee, Peoples Reserve rewards long-term PRN holders by allowing them to retain up to 95% of their total gains.
What are “Entry” and “Exit” fees?
Entry and Exit fees are small percentages charged when you deposit into or withdraw from a vault. These fees help manage the liquidity and rebalancing costs of the underlying assets. Diamond-tier members bypass these fees entirely, allowing for seamless capital movement without friction.
Is my capital "locked" when I enter a vault?
No. Peoples Reserve focuses on providing flexibility. While the strategies are designed for optimal performance over time, there are typically no mandatory lock-up periods. However, frequent movement may incur Entry/Exit fees depending on your current loyalty tier.
Is there a minimum investment?
No. Peoples Reserve offers no-minimum entry and no gatekeeping, ensuring that institutional-grade financial strategies are accessible to everyone regardless of their account size.