This article provides an overview of Peoples Reserve Loyalty Tiers, how they work, and why they matter. Loyalty Tiers are designed to reward long-term participation in the ecosystem by unlocking better rates, higher yields, and enhanced benefits across products and services.
What Are Loyalty Tiers?
Loyalty Tiers are tiered membership levels within Peoples Reserve that are based on the amount of PRN (Peoples Reserve Network) tokens you hold relative to your portfolio. As your Loyalty Tier increases, your access to platform benefits improves.
Loyalty Tiers align incentives across the ecosystem by rewarding users who actively participate and commit to the long-term growth of Peoples Reserve.
Loyalty Tiers
Peoples Reserve currently offers four Loyalty Tiers:
- Basic – Entry-level access with standard platform features
- Silver – Reduced fees and improved borrowing terms
- Gold – Enhanced yields, better rates, and expanded access
- Diamond – The highest tier with the most favorable terms and benefits
Why Loyalty Tiers Matter
Loyalty Tiers directly impact how efficiently you can use the Peoples Reserve ecosystem. Higher tiers unlock tangible financial advantages rather than cosmetic perks.
Key advantages include:
- Lower interest rates on borrowing products
- Higher yields on vaults and property-based programs
- Reduced swap and transaction fees
- Priority access to select features and services
How Loyalty Tier Affect Products
Loyalty Tiers are applied consistently across the platform, influencing multiple products at once:
- Bitcoin Line of Credit (BLOC): Higher LTV ratios and lower APRs
- Bitcoin Mortgage (BMR): Reduced borrowing costs
- Self-Repaying Mortgage (SRM): Lower APR, higher closing fee discount, and access to more mortgages
- RWA Property Claims: Higher yield percentages
- Swap Engine: Lower swap fees
- PRN Vaults: Enhanced efficiency and yield optimization
Long-Term Benefits
Loyalty Tiers are designed to compound over time. As users increase their PRN holdings and move up tiers, benefits stack across products, creating a powerful flywheel effect.
Instead of optimizing a single product, Loyalty Tiers optimize your entire relationship with the Peoples Reserve ecosystem.
Important Notes
- Loyalty Tiers are determined by your PRN-to-portfolio ratio
- Benefits may vary by product and market conditions
- Holding more PRN unlocks greater ecosystem efficiency