1. Account Access and Authentication
This section outlines common access bottlenecks, multi-factor security setups, and how your portfolio structure directly impacts your overall ecosystem perks.
- Trouble Logging In: This standard issue is often caused by incorrect credentials, unsupported browsers, or session timeouts. Ensure you are using the exact email address associated with your PRN Account. If issues persist, try clearing your browser cache, switching to a private/incognito window, or initiating a password reset using the login screen link.
- Tier Status Discrepancies: Your PRN Loyalty Level is calculated dynamically based on the percentage of PRN tokens held relative to your total portfolio balance. If you sell other assets, or if the market value of your non-PRN holdings increases significantly, your PRN percentage weight may drop. This shift can instantly reclassify your tier, potentially causing you to lose access to exclusive benefits like the RWA Property Claim or premium interest rates.
2. Borrowing and Liquidation Risks
Understanding the distinct margin thresholds, variable interest rates, and verification requirements across our borrowing products is essential to mitigating risk.
Monitor your borrowing thresholds, rates, and qualification criteria using the comparative breakdown below:
| Product | Risk & Liquidation Thresholds | Interest Rate Structure | Qualification Hurdles |
|---|---|---|---|
| Bitcoin Line of Credit (BLOC) | 75% LTV margin call 85% partial auto-liquidation |
Standard borrowing rates | Instant asset backing |
| Self-Repaying Mortgage (SRM) | No liquidation risk via automatic repayment features | Dynamic variable rates (Capped at 15% for Basic members) |
No traditional paperwork required |
| Bitcoin Mortgage (BMR) | Standard traditional mortgage risk | $10 to $50 per $100k borrowed (Based on credit profile) |
Traditional credit and Debt-to-Income (DTI) checks |
3. Transaction and Swap Issues
Review standard functional mechanics regarding digital asset conversions, fee distributions, and pending network confirmations.
- Irreversible Swaps: The Swap Engine provides instant exchange between assets. However, once a swap is confirmed on-screen, the smart contract execution is final and cannot be reversed. Always double-check the swap rates and fees before final submission.
- Transaction Fees & Discrepancies: Basic tier members may experience "fee shock" if they are unfamiliar with the platform's multi-tiered fee structure. For example, Basic members pay a 1% entry and exit fee on Vaults, whereas Diamond members have these ecosystem fees entirely waived.
- Stuck or Pending Deposits: Deposits require a specific number of blockchain network confirmations before they clear into your account balance. If your transaction is visible on the block explorer but marked as pending in your dashboard, please allow additional time for the network to reach consensus.
4. Yield and Asset Eligibility
Ensure your digital asset transfers and product selections match explicit network support rules and tier requirements.
- Property Claim Rejection: The RWA Property Claim is strictly reserved for properties owned "free and clear". If a target property has an existing mortgage, tax lien, or any form of encumbrance, the claim will be denied. Additionally, access to this real-world asset product is restricted to Gold and Diamond members only.
- Bitcoin Bond Performance: While Bitcoin Bonds offer 100% principal protection through U.S. Treasuries, the overarching yield is tied directly to Bitcoin's price performance. In a stagnant or bear market, the bond may not generate the high APY (up to 40%) anticipated from historical CAGR projections.
Next Steps
If you encounter an issue not listed in this troubleshooting guide, or if a listed problem persists, please complete the following steps:
- Review specific product overview documentation for detailed rules and compliance parameters.
- Utilize our on-platform interactive calculators to model exactly how your loyalty tier affects your borrowing and exchange rates.
- Contact the Peoples Reserve Support Team directly for personalized technical assistance.