Peoples Reserve Glossary of Terms
A reference for the products, protocols, and terminology used across the Peoples Reserve Network (PRN) Ecosystem. Use the alphabetical navigation below to jump to a section.
Alphabetical Navigation
# · A · B · C · D · E · F · G · H · I · L · M · N · O · P · Q · R · S · T · U · V · W · Y · Z
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1:1 Collateral-to-Loan Ratio: The protocol standard requires the initial, combined dollar value of your property equity transformation and injected Bitcoin reserve assets to perfectly match or exceed the total baseline principal debt of the new loan container.
A
Amortization: The schedule of regular payments structured to pay off both principal and interest over time.
Appraisal: An unbiased, professional assessment of a property's market value conducted by a licensed third party. In the platform's ecosystem, this valuation establishes the benchmark baseline used by the smart contract to calculate initial loan containers and collateral safety metrics.
Asset-Backed Tokenization: The programmatic process of converting ownership rights of a physical bond or cash-flowing debt obligation into digital tokens on a blockchain. Within the network, this allows fractionalized, liquid participation in large-scale institutional bond pools.
Auto-Extinguishment Trigger: The automated smart contract mechanism that monitors the live value of the escrowed Bitcoin against the remaining mortgage payoff balance. Once the user-allocated share of the crypto's market growth matches the outstanding debt principal, the code autonomously initiates a full payoff event, releases your home title, and clears the remaining mortgage.
B
Bankruptcy-Remote Custody: A legal structure ensuring that even if a platform or custodian faces financial insolvency, the user's locked Bitcoin mortgage reserves are legally protected from corporate creditors and cannot be pulled into bankruptcy court liquidations.
Basic Loyalty Tier: The foundational network status assigned to accounts holding up to 1.99% in PRN utility tokens. This status carries a 6% Interest Rate (APR), a strict 20% Borrower / 80% Lender Reserve Split, requires a 20% Minimum Reserve Contribution, provides 0% closing fee discounts, and limits the user to 1 active mortgage.
Bitcoin (BTC): A decentralized, open-source, peer-to-peer digital asset characterized by mathematical scarcity, censorship resistance, and borderless liquidity. Within the network, it functions as Pristine Collateral locked in escrow containers to eliminate counterparty risk and auto-extinguish mortgage debt through its long-term compounding appreciation.
Bitcoin Bond Vault: A strategically engineered network vault designed to maximize long-term asset accumulation by routing platform-generated yields directly into structured digital fixed-income positions backed by native Bitcoin.
BMR Escrow (Bitcoin Mortgage Reserve): The secure digital wallet container where your required Bitcoin collateral is locked during the loan term. This reserve is engineered to appreciate independently of your real estate asset.
Bond Liquidity Pool: A decentralized smart contract architecture holding aggregated stablecoins or fiat-pegged tokens, allowing institutional investors to instantly buy or sell debt positions without waiting for traditional over-the-counter (OTC) clearing.
BPM (Bitcoin Powered Mortgage): The proprietary, non-liquidation mortgage protocol created by the Peoples Reserve Network. It allows homeowners to transform traditional property equity into Bitcoin-backed debt without facing volatility-based margin calls.
BPM Certified Realtor: A licensed real estate agent who has completed the platform’s onboarding training, authorizing them to write purchase contracts funded by a Bitcoin Powered Mortgage.
C
CAGR Assumption (Compound Annual Growth Rate): The estimated, smoothed annual rate at which the locked Bitcoin collateral is assumed to grow. This theoretical percentage (e.g., 30%) dictates the timeline model for when the reserve will completely auto-extinguish the remaining loan balance.
Closing Costs: The fees and expenses paid at the end of a real estate transaction to finalize the mortgage and transfer property ownership, including loan processing, title insurance, and appraisal fees. The network applies a tiered discount structure directly to these expenses based on your PRN utility token loyalty status.
Closing Fees Discount: A native protocol benefit that automatically scales down out-of-pocket transaction costs at closing based on your locked loyalty tier status.
Cold-Storage Escrow: The operational standard of storing private cryptographic keys entirely offline in a secure, disconnected physical vault. In the network, this protects the asset from remote hacking attempts while it serves as mortgage backing.
Collateral: An asset or property pledged by a borrower to secure a loan, which a lender can legally claim if the borrower defaults. Within the platform, the primary collateral container consists of the physical property equity combined with the minimum required Bitcoin deposit.
Coupon Yield Tokenization: The mechanical separation of a bond’s principal value from its interest payments. The protocol can split a bond into a principal token and a yield token, allowing users to trade or stake future interest streams independently.
Credit Rating Arbitrage: The strategic packaging of lower-rated corporate or real estate debt with pristine Bitcoin collateral. This structural enhancement allows the network to issue high-yield obligations that possess the safety profile of investment-grade assets.
Crypto Credit Line (Crypto Line of Credit): A flexible revolving credit facility within the platform architecture, allowing clients to borrow against their locked asset base. Borrowers can draw liquidity at a dynamic Loan-to-Value (LTV) ratio between 40-70%, dictated explicitly by their PRN Loyalty Level. Because clients must post more than sufficient digital collateral to completely cover the borrowed principal plus interest, traditional banking default risks are entirely mathematically eliminated.
Crypto-Hybrid Loan: A financial instrument that uses a combination of physical real-world assets (real estate) and digital blockchain assets (Bitcoin) as joint safety collateral.
CSMO (Collateralized Sound Money Obligation): The specialized private-label Mortgage-Backed Security (MBS) product engineered by TruFi Fund. It securitizes Bitcoin-backed mortgages to provide liquidity and lower interest rates for consumers.
CSMO Yield Tranches (Collateralized Sound Money Obligation Tranches): The distinct risk and return structures engineered within a CSMO security. Institutional investors can select Senior Tranches for lower, guaranteed bond yields with maximum safety, or Junior Tranches for higher yields that absorb initial volatility first.
Custodial Account: A secure, third-party digital vault where your collateralized tokens are legally held and locked throughout the duration of the mortgage. Neither you nor the lender can move these funds without mutual contractual triggers.
D
D.R.E.A.M. (Digital Real Estate Asset Management): The licensed real estate agency and brokerage arm of the ecosystem that connects certified real estate professionals with qualified cryptocurrency buyers.
D.R.E.A.M. Agreement: The official membership and onboarding contract signed by traditional real estate agents to legally participate in the platform's referral network.
D.R.E.A.M. Brokerage Network: The global association of fully licensed real estate brokerages legally paired with the protocol to oversee local state-level compliance, escrow routing, and title clearance.
D.R.E.A.M. Credential / Certification: The professional designation earned by realtors after passing the platform’s educational exam, authorizing them to facilitate Bitcoin Powered Mortgages (BPMs) in their local markets.
D.R.E.A.M. Listing Integration: The operational protocol allowing a certified realtor to link a traditional Multiple Listing Service (MLS) property file directly into the platform’s borrowing engine to calculate instant token financing options.
Debt-to-Income (DTI) Ratio: A traditional banking risk metric that measures the percentage of a borrower's monthly gross income that goes toward paying debts. The Peoples Reserve protocol bypasses traditional DTI constraints, focusing strictly on asset collateralization limits to verify borrowing limits rather than income history.
Decentralized Autonomous Organization (DAO): An organization that eliminates human error or manipulation by placing decision-making power into the hands of an automated system and a crowdsourced process. The Peoples Reserve Marketplace DAO will at first serve as a simple voting mechanism for community-based decisions for the PRN Ecosystem. Eventually, Peoples Reserve goal is to create a fully decentralized DAO to pass control and operation of the PRN Ecosystem to We the People, where it properly belongs.
Decentralized Finance (DeFi): Blockchain and smart contract ecosystems that offer peer-to-peer financial services. Initially, Peoples Reserve will be partially decentralized in order to bridge the traditional system to the digital system.
Delta-Neutral Position: Portfolio position designed to even out (neutralize) a portfolio’s response to market movements. The strategy is used to maintain position value or limit the change of the position’s net value to zero, regardless of market movements. This position strategy is used in multiple Peoples Reserve products and services.
Diamond Loyalty Tier: The highest network tier unlocked by holding 10% or more in PRN utility tokens. This status reduces the loan to a 3% Interest Rate (APR), optimizes the asset to a 50% Borrower / 50% Lender Reserve Split, requires a 20% Minimum Reserve Contribution, grants a 50% Closing Fees Discount, and permits up to 2 active mortgages.
Digital Vaults (Network Vaults): Secure on-chain code structures utilized by TruFi Fund to manage liquidity allocations. These vaults aggregate institutional and private lending pools to back the fiat payouts needed to acquire brick-and-mortar properties.
Duration Risk (Smart Contract Duration): The measurement of a bond portfolio's price sensitivity to global interest rate changes, calculated alongside the lock-up timeline of the corresponding Bitcoin reserve. Longer durations increase the portfolio's exposure to macro interest rate shifts.
E
Equity-to-Digital Transformation: The legal conversion process where a property owner's physical brick-and-mortar home equity is evaluated, verified by a D.R.E.A.M. agent, and transformed into a liquid, blockchain-verifiable collateral base.
Escrow: A neutral holding account managed by a third party to pay property taxes and homeowners' insurance. Protocol Extension: A cryptographic smart contract container where cash, property titles, or digital assets (like Bitcoin) are locked and cannot be moved until automated oracle conditions or real estate closing requirements are fully executed.
Ethereum (ETH): A leading decentralized, open-source blockchain network featuring smart contract functionality. While Bitcoin acts as the primary pristine mortgage collateral container, the platform leverages Ethereum infrastructure elements for its broader tokenized asset ecosystem layout.
F
Fair Market Valuation (FMV): The liquid price of an asset as determined by the marketplace (the price at which an asset would immediately sell on the open market). In the real estate marketplace, owners can claim their property’s “Tax Assessed Value”. This is a government appraised and approved value for tax purposes. A property listed for its tax assessed value would sell quickly (making it a liquid value) because tax assessments are undervalued compared to prices in the open market.
Fee Compression: The automatic lowering of swap fees, transaction costs, and mortgage loan processing fees as a direct benefit of higher loyalty tiers.
Fiduciary Custodian: A highly regulated, federally or state-chartered financial institution bound by legal and fiduciary duties to act solely in the best financial interest of the asset owner. This entity manages the digital vault layers to eliminate protocol counterparty risk.
Fixed-Income On-Ramp: The regulatory, compliance, and banking gateway that allows traditional institutional bond fund capital to seamlessly convert into digital ledger positions within the TruFi Fund ecosystem.
Full Payoff Event: The automated moment when a smart contract balance reaches zero, successfully terminating the debt container and prompting property title release.
G
Gold Loyalty Tier: The premium network tier achieved by holding between 6% and 9.99% in PRN utility tokens. This status drops the loan to a 4% Interest Rate (APR), utilizes a 40% Borrower / 60% Lender Reserve Split, requires a 20% Minimum Reserve Contribution, grants a 25% Closing Fees Discount, and limits the user to 1 mortgage.
Gross Domestic Product (GDP): The total monetary or market value of all the finished goods and services produced within a country’s borders in a specific time period. As a broad measure of overall domestic production, GDP functions as a comprehensive scorecard of a given country’s economic health. The calculation of a country’s GDP encompasses all private and public consumption, government outlays, investments, additions to private inventories, paid-in construction costs, and the foreign balance of trade. Exports are added to the value, and imports are subtracted.
H
HouseFacts: The platform's integrated property intelligence tool is used by buyers and realtors to track property details, evaluate titles, and calculate financing metrics.
Hybrid Closing Escrow: A dual-structure legal settlement mechanism where a traditional title/closing company coordinates with the network's smart contracts to simultaneously verify fiat property payouts and lock digital asset reserves.
I
Inflation Hedge Vault: A native ecosystem vault that empowers participants to protect and compound their equity. Users can reposition their prUSD into this strategically designed container to increase earnings and build a programmatic buffer against purchasing power devaluation inside the internet economy.
Interest Rate: The percentage charged by the lender for borrowing the money.
Interest Rate Spread: The mathematical variance or buffer added to a base monthly interest rate, adjusted by the protocol to manage risk during crypto market volatility.
Internet Economy: An aggregate economy of the world with true free market policies governed by computer code. The fastest-growing and most productive economy in the world. Peoples Reserve leverages the internet economy crypto credit markets for traditional asset owners who wish to earn interest with their real-world equity.
L
Licensed Agent Referral Pipeline: The automated smart contract and directory system that routes pre-approved crypto buyers directly to certified D.R.E.A.M. realtors.
Liquidation Threshold: The critical price floor at which a lender reserves the legal right to forcibly sell off your locked assets to protect themselves from default. (Note: Protocols like the BPM aim to mitigate this risk through automatic monthly interest rate adjustments instead of immediate sell-offs.)
Liquidity Pool: A crowdsourced pool of cryptocurrencies or tokens locked in a smart contract that is used to facilitate trades. Instead of traditional markets with buyers and sellers, many decentralized finance (DeFi) platforms use automated market makers (AMMs), which allow digital assets to be traded automatically and permissionlessly via liquidity pools. Peoples Reserve will launch multiple liquidity pools, including PRN/USDC, prUSD/USDC, and prUSD/USDT, to provide true 24/7 free-market liquidity.
Loan Container: The isolated digital structure or balance wrapper created by the smart contract to isolate, manage, and track a specific borrower's mortgage debt.
Loan-to-Value Ratio (LTV): An often-used ratio as an assessment of lending risks and whether a lender will extend credit to a borrower. Peoples Reserve Crypto Credit Line clients can borrow with an LTV between 40-70%, depending on the client’s PRN Loyalty Level. Borrowers are required to post more than sufficient collateral to cover the principal plus interest; therefore, default risk is eliminated.
Loyalty Tier: The tokenized optimization framework governing borrowing conditions. Tiers are defined by the percentage volume of platform utility tokens held relative to the mortgage debt container, dictating APR discounts, closing costs, and asset growth allocations.
M
Macro Rate Inversion Protection: Algorithmic adjustments executed by the network's vaults when traditional government bond yields flip (invert). This mechanism automatically shields the Bitcoin Bond Vault from systemic banking liquidations and yield degradation.
Margin Call: A contractual demand requiring you to deposit additional collateral or pay down part of the loan principal. This triggers if the market value of your locked digital assets drops below a strict, pre-determined percentage threshold.
Minimum Reserve Contribution: The required baseline liquidity layout (fixed uniformly at 20% across all platform tiers) that must be safely wired into escrow to initialize a Bitcoin Mortgage structure.
Mortgage Backed Security (MBS): An investment similar to a bond that is made up of a bundle of home loans bought from the banks/lenders that issued them. Investors in MBS receive periodic payments similar to bond coupon payments.
Multi-Signature (Multi-Sig) Escrow Architecture: A security protocol requiring multiple private keys to authorize a transaction. The network utilizes a 2-of-3 key configuration where keys are distributed among the borrower, the protocol, and a qualified third-party custodian (such as BitGo), ensuring no single entity can unilaterally move the locked Bitcoin.
N
Non-Liquidation Design: The core contractual feature of the BPM protocol states that the underlying Bitcoin collateral will not be forcibly sold off by the network during sharp crypto market downturns. Instead of margin liquidations, the system shifts risk management entirely into temporary adjustments of the borrower's software-defined monthly interest rate spread.
Non-Rehypothecation Clause: A strict contractual and programmatic rule prohibiting a custodian or protocol from lending out, pledging, or leveraging a borrower's escrowed Bitcoin to back separate market trades. This eliminates traditional banking run risks.
O
Oracle Price Feed: The tamper-proof software network that pipes real-time market data (such as the live PRNUSD or BTC price charts) into the mortgage smart contract to calculate your asset value every second.
Outstanding Mortgage Balance: The live, real-time remaining total of principal debt left to pay, recalculated instantly via the oracle price feeds.
Over-Collateralization: The financial practice of securing a loan with assets that have a significantly higher combined market value than the principal debt itself. The protocol requires borrowers to maintain a safe over-collateralized position to completely eliminate lending default risk. Within specialized Self-Repaying Mortgage (SRM) parameters, Diamond Tier status allows users to leverage excess collateralization up to 300% to lock in an absolute floor rate of 3% Interest Rate (APR).
P
Peoples Reserve Blockchain Oracle: An automated, independent data system that maintains Peoples Reserve’s key operating functions. The Peoples Reserve Blockchain Oracle automatically records repayments and also accounts for all transactions made by clients. Interest repayments, outstanding balances, and up-to-date loan limits are automatically maintained at all times.
Peoples Reserve Marketplace (PRN Marketplace): The place where We the People can claim proof of ownership of our real-world assets. The PRN Marketplace bridges trapped real-world asset equity to the internet economy’s digital grid as digital asset equity. Imagine the PRN Marketplace as a cloned digital grid of the real physical world. Unless you claim your ownership on the digital grid then you cannot earn interest with that value within the internet economy.
Peoples Reserve Stablecoin (prUSD): The native stablecoin of the PRN Ecosystem. prUSD is a 1:1 reserve-backed stablecoin. Reserves consist of US Treasury Bills, USD, USDC, and USDT. prUSD is always redeemable for $1 and trades at a fixed rate of $1 in the PRN ecosystem.
Peoples Reserve Vaults: An innovative product of the PRN Ecosystem that empowers traditional asset owners to compound equity earnings within the internet economy. prUSD can be repositioned into a variety of different strategically designed Peoples Reserve Vaults in order to increase earnings and yield potential.
Peoples Reserve (PRN) Ecosystem: All products and services (EARN, BORROW, SPEND) offered by Peoples Reserve. The term “PRN Ecosystem” is a reference to Peoples Reserve products and services as a whole.
PITI: The four components of a monthly mortgage payment: Principal, Interest, Taxes, and Insurance.
PRBTC: The trading pair that displays the value of your PRN tokens priced in Bitcoin. This ratio measures your platform loyalty against Bitcoin market movements, helping the protocol adjust monthly interest rates instead of triggering traditional margin calls.
Principal: The original amount of money borrowed to purchase the home, excluding interest.
Pristine Collateral: The term used by the platform to describe Bitcoin due to its absolute scarcity, global liquidity, and lack of counterparty risk. The protocol contrasts this against traditional mortgages, which are only backed by a borrower's paper promise to pay.
PRN Blockchain Notary and Title Registry: Digital asset services that enable real-world asset owners to complete the proof of ownership process and register asset equity in the PRN ecosystem. Once terms of service are accepted and proof of ownership is verified, the Notary and Title Registry services will register the real-world asset. The registration represents authentic ownership (title/deed) within the internet economy and enables asset equity to begin to earn interest.
PRN Rental Vault: An advanced layout optimization vault within the platform architecture, allowing users to lock and rent utility capabilities, generating passive programmatic returns from underlying network participation.
PRN Utility Token (PRN): The digital token and currency of payment required for use of all products and services provided on the PRN platform and within the PRN Ecosystem. PRN utility tokens will give holders a wide range of benefits within the PRN Ecosystem, including loyalty privileges, discounted APR, and increased APYs.
PRN vs. PRBTC (Difference): PRN is your explicit Loyalty Token. PRBTC is the Bitcoin-denominated value of that same loyalty token.
PRNS (Staked PRN): The staked or "locked" version of the PRN token. When users lock their tokens into the mortgage contract to claim Diamond Tier benefits, it converts to PRNS, which generates native rewards to waive monthly out-of-pocket BMR payments.
PRNUSD: The market trading pair that displays the live price of one PRN token in U.S. Dollars. The protocol uses this valuation metric to track the total dollar equity of your loyalty holdings.
prUSD Arbitrage Vault: A programmatic system vault optimized to maximize delta-neutral market discrepancies. Users reposition prUSD into this container to securely harvest baseline cross-market yields across decentralized exchanges.
Proof of Ownership: The asset ownership verification process is completed through the PRN Blockchain Notary and Title Registry services before real-world value is bridged to the internet economy as verified equity. Peoples Reserve allows asset owners to depend on the PRN blockchain and internet economy grid for the verification and truth concerning asset value and ownership. The Bitcoin blockchain records value and ownership in a fraud-proof and trustworthy manner.
Property Equity Transformation: The specific financial process of locking traditional brick-and-mortar home equity into a digital asset debt structure.
Property Title Release: The final legal event where the smart contract triggers the release of the physical real estate deed to the homeowner once the auto-extinguishment mechanism is satisfied.
Q
Qualified Custodian (QC): A regulated financial institution that satisfies stringent global regulatory audits to maintain segregated client accounts. This standard allows institutional bond fund capital to interface safely with your real estate lending protocols.
R
Real Estate Tokenization: The process of creating virtual tokens that represent ownership of a real estate asset. Thus far, entrepreneurs have attempted to digitize traditional financial products to offer digital asset owners access to traditional real estate investments. However, Peoples Reserve focus is on creating new and innovative products, services, and asset management solutions that offer traditional asset owners access to the internet economy’s crypto credit markets.
Real-World Asset (RWA): Tangible, physical objects or traditional financial instruments from the non-digital economy, such as residential brick-and-mortar properties, that are brought onto public ledgers through cryptographic engineering to act as programmatic loan security containers.
Real-World Asset (RWA) Property Claim: The verified, on-chain cryptographic representation of a physical real estate title. This legally binding ledger record links the physical property directly to the loan container, validating asset ownership throughout the mortgage life cycle.
Refinance Mortgage: The process of replacing an existing traditional mortgage with a Bitcoin Powered Mortgage (BPM). This enables homeowners to convert their legacy property equity into a flexible digital asset debt structure, using an initial Bitcoin deposit to eliminate volatility-based margin calls and lower their active interest rate.
Reserve Split (Borrower/Lender): The core equity metric defining how the upside appreciation of the escrowed Bitcoin is shared. Higher loyalty tiers dynamically route a larger percentage of market profits to the borrower's debt-extinguishment bucket.
Risk Management Shift: The operational change where a platform switches from managing default risk through asset selling (liquidation) to managing it through dynamic loan terms and interest adjustments.
S
Self-Repaying Mortgage (SRM): An innovative decentralized lending structure where the platform leverages the yield or market appreciation generated by deposited cryptocurrency collateral to automatically pay down the principal balance. Within this framework, a Diamond Tier user can maximize asset efficiency by maintaining an over-collateralization profile of up to 300% to secure a baseline 3% Interest Rate (APR) while the capital works to clear the debt.
Silver Loyalty Tier: The mid-level reward status achieved by holding between 2% and 5.99% in PRN utility tokens. This tier grants a 5.5% Interest Rate (APR), utilizes a 25% Borrower / 75% Lender Reserve Split, requires a 20% Minimum Reserve Contribution, grants a 10% Closing Fees Discount, and limits the user to 1 mortgage.
Smart Contract: A self-executing code or protocol that carries out a set of instructions that is verified on the blockchain. These contracts are trustless, autonomous, decentralized, and transparent; they are irreversible and unmodifiable once deployed. While smart contracts have several use cases, some of the most popular are various financial contracts (loans, derivatives, trading). They can also be used for legal contracts, identity management, and numerous other use cases.
Smart Title Contingency: A specialized legal clause added to traditional real estate purchase agreements stating that the contract is dependent on successful digital collateral locking within the protocol's escrow vault.
Software-Defined Interest Rate: A dynamic interest rate managed entirely by code that adjusts automatically according to market fluctuations rather than human review.
T
Tax Assessed Value (TAV): A government appraised and approved property valuation established strictly for local municipal tax purposes. Because these government assessments are systematically undervalued compared to open-market trading pairs, properties evaluated at their TAV represent highly liquid baseline metrics that can be easily claimed by owners to jumpstart their network transformations.
Timeline Model: The predictive projection calculating exactly how long a Bitcoin deposit will take to pay off a mortgage under specific growth expectations.
Total Baseline Principal Debt: The initial, unmodified fiat-denominated sum of money borrowed before applying growth assumptions or interest rate adjustments.
Traditional Equity vs. Bitcoin Debt: The hybrid structural state where a realtor's physical property transaction is financed by transforming brick-and-mortar equity into debt backed strictly by digital asset collateral.
Trapped Equity: Real-world asset value that cannot be accessed by the owner of the asset without adding a liability, such as a home equity line of credit (HELOC) or outright selling the asset. Owners of non-mortgaged/financed assets have no other option other than borrowing against them or liquidating them entirely.
TruFi Fund: The decentralized structured credit, private credit, and real estate liquidity provider that acts as the exclusive LP to fund the network's mortgage containers.
U
Upside Split: The contractual formula defining how the price appreciation of the escrowed Bitcoin is shared upon loan maturity or early payoff. To receive the allocated split associated with a specific tier, the borrower must maintain their required loyalty level at a minimum 80% threshold within that target tier for the designated duration. (Example: If you were Diamond for 96 out of 120 months (80%), you qualify for the Diamond 50/50 split for that portion of the growth). If you fail to maintain the mandatory 80% threshold for your target tier, you will automatically drop to the next lower loyalty level split for that duration of the growth. The standard tier breakdown includes:
- Basic: 20% to Borrower / 80% to Lender Network
- Silver: 25% to Borrower / 75% to Lender Network
- Gold: 40% to Borrower / 60% to Lender Network
- Diamond: 50% to Borrower / 50% to Lender Network
USDC: A prominent fiat-collateralized stablecoin pegged 1:1 to the US dollar. The platform utilizes USDC within its digital grid to provide stable transaction channels and fuel 24/7 internal liquidity pools.
USDT: A widely used asset-backed stablecoin tied 1:1 to the US dollar. It serves alongside USDC as a foundational building block for backing the platform's native prUSD stablecoin parameters and trading liquidity pairs.
V
Volatility-Based Margin Call: A traditional crypto-lending risk event caused strictly by sharp asset price drops, which the Peoples Reserve network aims to eliminate using its Non-Liquidation Design.
W
We The People: The community of asset owners who wish to unlock the value of their real-world assets to earn interest in the internet economy. The official motto of Peoples Reserve.
White Glove Service: Premium, end-to-end operational support provided by the platform to guide real estate agents, escrow coordinators, and buyers through specialized smart contract checkpoints and closing table settlements seamlessly.
Y
Yield Compression: The economic phenomenon where high institutional demand for the platform's Bitcoin-backed debt products drives down the interest rates (coupons) the network needs to pay out to bond buyers, ultimately lowering borrowing costs for homeowners.
Z
Zero-Coupon Tokenized Bond: A digital debt security issued at a deep discount to its face value that does not pay periodic interest. Instead, it matures at full par value, using the automated appreciation of underlying network assets to cover the compounding growth.