Understanding the Peoples Reserve Corporate Account
A Peoples Reserve Corporate Account is a Bitcoin treasury platform built for businesses, consolidating four functions into a single account: generating cash flow, gaining Bitcoin exposure, earning yield, and borrowing against your treasury. It is designed for small, medium, and large businesses that want to deploy revenue into Bitcoin without being forced to hold it directly, while keeping their capital working.
Learn more about Bitcoin Bonds here.
At a Glance
| Feature | Details |
|---|---|
| Account Type | Corporate Bitcoin treasury account |
| Eligible Entities | Small, medium, and large businesses |
| Onboarding | White-glove, dedicated account manager (typically 5 to 7 business days) |
| Documentation Required | Corporate formation documents, beneficial ownership disclosure, board authorization |
| Custody | Multi-signature cold storage via BitGo and Fireblocks |
| Compliance | KYB/KYC verification, SOC 2, DLA Piper legal infrastructure |
| Primary Use | Treasury growth, yield, Bitcoin exposure, and working-capital borrowing |
How it Works
Enterprise onboarding is white-glove from day one. A dedicated account manager guides your team through KYB verification, custody setup, and strategy design, a process typically completed in 5 to 7 business days. Required paperwork is limited to standard corporate formation documents, beneficial ownership disclosure, and board authorization, with the compliance team handling the underlying complexity.
Once funded, corporate reserves are allocated to the Bitcoin Bond product. The bond principal is backed by U.S. Treasury notes, which is designed to protect your initial capital while retaining Bitcoin upside exposure. Positions generate semiannual distributions paid in prUSD, and the underlying bond remains liquid collateral: you can borrow against its par value to access working capital without selling your position.
The Corporate Accounts Advantage
- Bitcoin Exposure Without Forced Holding: Deploy business revenue into Bitcoin without being required to hold it directly.
- Principal Protection: Bitcoin Bond principal is backed by U.S. Treasury notes, structured to protect your initial capital even in adverse Bitcoin market conditions.
- Bitcoin Powered Yield: Earn yield on revenue without trapping equity value on your balance sheet.
- Borrow Against Your Treasury: Access working capital against your Bitcoin Bond treasury while maintaining upside exposure.
- Tailored Vaults: Vault structures configured to fit your specific corporate needs.
Treasury Modeling
The Treasury Modeler is an interactive tool that illustrates how corporate reserves could grow across different strategies. You set three inputs: investment amount, time horizon, and an assumed Bitcoin CAGR. The outputs are illustrative projections, not guarantees, and they change with the inputs you choose. The Bitcoin Bond figure is derived from the Bitcoin growth rate you assume, so a lower assumed CAGR produces a lower projected return.
The example below uses a $1,000,000 investment, a 5-year horizon, and an assumed 40% Bitcoin CAGR:
| Strategy | Projected APY | Projected Gain | Projected 5-Year Value |
|---|---|---|---|
| Bitcoin Bond | 17.9%+ | +$896,373 | $1,896,373 |
| S&P 500 | 10.5% | +$647,447 | $1,647,447 |
| Corporate Bonds | 5.3% | +$294,619 | $1,294,619 |
| U.S. Treasury | 4.3% | +$233,119 | $1,233,119 |
| Money Market | 3.6% | +$195,741 | $1,195,741 |
Try the Treasury Modeler
Use the calculator here to tweak the numbers and see projected returns based on your assumed Bitcoin CAGR, investment amount, and time horizon. Adjusting any input updates the projection, so you can model conservative or aggressive scenarios against the benchmark strategies.
In this scenario, the Bitcoin Bond shows a 1.9x return on capital and a total projected gain of $896,373 over 5 years. Benchmark sources: S&P 500 historical average CAGR (Investopedia), Corporate Bonds (Moody's Aaa via FRED, March 2026), U.S. Treasury (U.S. 10-Year Treasury via FRED, March 2026), Money Market (Fed Funds Rate via FRED, March 2026).
Returns vary by strategy and risk profile. Conservative treasury strategies target 5 to 8% APY, while growth-oriented allocations target 15% or more with appropriate risk tolerance.
Institutional Integrity
Your corporate treasury is protected by the same partners and protocols that secure institutional assets:
- Institutional Custody: Multi-signature, cold-storage custody through BitGo and Fireblocks, the infrastructure trusted by leading institutional funds.
- Regulatory Compliance: Full KYB/KYC verification, SOC 2 compliance, audit-ready processes, and DLA Piper legal infrastructure.
- Transparent Reporting: Real-time Proof of Reserves, on-chain audit trails, and on-demand portfolio snapshots accessible anytime.