Peoples Reserve Review 2026: Get a Mortgage with $BTC?

Peoples Reserve Overview

What Is Peoples Reserve?

Peoples Reserve is a Bitcoin-native finance platform built for people who believe in Bitcoin’s long-term thesis and want to put it to work without selling it.

You can be sitting on a big Bitcoin stack and still need cash for your day-to-day expenses – like buying a house, refinancing a mortgage, covering bills, or running a business.

If you know platforms like Ledn or Nexo, the basic idea will feel familiar: put up crypto as collateral, borrow money against it, and pay it back later.

But Peoples Reserve goes beyond that.

It doesn’t just offer basic Bitcoin-backed loans.

It has mortgage products, refinancing, credit lines, Bitcoin Bonds, Vaults, a swap function, and even a crypto debit card on the way – an entire suite of tools so that you can build your life around Bitcoin, instead of selling it.

What stands out the most is their mortgage products.

Usually, if you wanted to use Bitcoin to buy a house, you’d:

1. Sell $BTC outright and generate a taxable event
2. Borrow against $BTC from one lender, take that cash to a bank to apply for a mortgage, then manage both loans separately.

Peoples Reserve offers a magical third option, which avoids A entirely, but does all of B in a single tidy step:

Post your $BTC + get your mortgage, all in one process.

The idea is to build the mortgage around your Bitcoin from the start – and not putting more collateral down than you need to.

But of course, Peoples Reserve offers much more than just mortgages…

Throw in regular $BTC-backed loans, multiple clever ways to earn yield, and a debit card to spend your Bitcoin holdings – and you’ve got a one-stop shop for navigating life while keeping things in crypto.

Peoples Reserve Key Features

• Bitcoin Mortgage: Buy a home using $BTC, without selling it or taking out a separate $BTC-backed loan just to fund the deposit.
• Self-Repaying Mortgage: Use $BTC, gold, or silver to help buy a home while keeping those assets and 100% of their upside.
• Refinance: Move an existing mortgage into a Bitcoin-backed setup, instead of leaving your $BTC outside the home-finance picture.
• Lines of Credit: Borrow cash against your $BTC or $BTC bonds when you need liquidity, without selling your long-term position.
• Bitcoin Bonds: Put money into a product designed to protect your principal position while still giving you some Bitcoin upside.
• Property Claim: Use property ownership to access Peoples Reserve’s rewards or yield features inside the broader platform.
• Vaults: Earn through managed strategies without having to build, monitor, or run those strategies yourself.
• Swap: Exchange supported assets inside Peoples Reserve without leaving the platform for a separate crypto exchange.
• Debit Card: Spend supported Peoples Reserve assets in everyday life, assuming the card is available where you live.
• $PRN Token: Unlock better rates, lower fees, higher rewards, and extra access across Peoples Reserve.
• Calculators: Model loans, bonds, credit lines, refinance options, and property outcomes before committing capital.

Peoples Reserve Rates, Fees, and Limits

The most important thing you'll want to know about Peoples Reserve’s rates, fees, and limits is this:

The numbers heavily depend on how much of their native token, $PRN, you hold.

You’ll only get improved rates if 2% or more of your portfolio balance on the platform is in $PRN.

Here’s the $PRN loyalty tier breakdown:

Also keep in mind that $PRN can rise and fall in value which means your loyalty tier may change over time.

To mitigate the risk of $PRN price volatility affecting your mortgage rate, PR does offer a Loyalty Lock feature. The feature is enabled by paying an upfront financeable fee (5%) that turns the variable rate into a fixed rate mortgage, regardless of any $PRN price changes.

The feature locks in your desired interest rate. This makes your investment in $PRN more comparable to buying down points in a traditional mortgage, except at the end of the mortgage you can sell your points back to the free market and potentially recover or even profit from those costs.

Peoples Reserve Interest Rates

Mortgage rates on Peoples Reserve vary a lot with your $PRN tier and LTV ratio.

That being said, most tier rates are competitive with US 30-year fixed mortgage rates at the time I wrote this (about 6.5% to 6.6%).

Line of Credit rates are also competitive with popular borrowing platforms like Ledn and Nexo, even if you don’t hold any $PRN.

Peoples Reserve Fees

The Bitcoin Mortgage fees include a 2.5% origination fee (discounted up to 50% at the Diamond loyalty tier) as well as all the standard costs/fees when closing on any real estate transaction such as inspection and appraisal.

When it comes to swap fees, it’s a little expensive to swap between supported assets (1.49% of the trade value at the Basic tier), so personally I’d think twice before swapping between tokens if you aren’t participating in the loyalty program..

Swaps don’t get competitive with actual exchanges until you hold $PRN, and at the highest $PRN tier (Diamond), you can Swap with ZERO fees.

Peoples Reserve Limits & LTVs

Peoples Reserve lets you put down as little as 20% of the property’s value down in $BTC, which is about the standard percentage you’d put down on a regular mortgage to avoid paying PMI.

Their standard $BTC-backed lines of credit require a maximum 50% LTV, and won’t forcibly liquidate any collateral until you hit 85% LTV. BBLOCs have a max of 80% LTV and cannot be margin called or liquidated at all.

Our Expert Review Of Peoples Reserve

In this first-hand review of Peoples Reserve, I signed up to the platform and dug into the borrowing and yield-earning features.

I also ran the basic numbers on getting a mortgage for a $500k house on Peoples Reserve, and compared them to their closest alternatives.

Signing up to Peoples Reserve

Once the platform launches, I'm going to sign up myself, and walk you through the process from start to finish.

Keep an eye out for those details here!

First impressions of the platform

At first look, Peoples Reserve is super neat and tidy, and easy to navigate.

The features are split up nicely into three main buckets – Earn, Borrow, and Spend.

Now, I’ll be the first to say it: Peoples Reserve products are a little complex.

The reason is that these are simply unique and clever combinations of crypto and financing products, which can take a second to wrap your head around.

That being said, they do a great job at highlighting the key figures and variables, so that you can figure out exactly how they work.

Which brings me to the coolest part of the user interface, in my opinion:

Calculators for Running the Numbers

One thing I really liked was that Peoples Reserve doesn’t just throw product pages at you and leave you guessing.

Most of the major products have calculators, so you can actually play with specific numbers that would apply to your personal situation.

You can play around with figures like property price, collateral amount, $PRN tier, credit score, $BTC growth assumptions, rates, and loan terms – then see how the outcome changes.

That makes a huge difference, because these products have a lot of moving parts.

Instead of trying to mentally piece together APRs, fees, payments, collateral ratios, and final outcomes, the calculators show you the breakdown in one place.

Real numbers, without playing any guessing games.

Mortgages

Let’s start by checking out their flagship unique product: BTC-backed mortgages.

They offer two types of mortgages – and they’re both kinda new concepts (or at least they were for me!).

Here’s what they boil down to, in simple terms:

1. Bitcoin Mortgage Reserve: Turn your $BTC into a home deposit. Put 20% down in $BTC, avoid paying PMI and avoid the taxable event of selling your bitcoin. Buy the home through one process instead of a separate $BTC loan plus a normal bank mortgage. The BMR is the Bitcoin engine that can pay off your loan decades early.
2. Self-Repaying Mortgage: Buy a home without selling your $BTC, gold, or silver. Put 100% down, skip credit and income checks, and keep 100% of any asset upside – no margin calls, no forced liquidations and no rehypothecation.

Let’s take a look at the standard Bitcoin Mortgage first.

Standard Bitcoin Mortgage (20% Down)

If you just want to cover a deposit on a house without selling $BTC – this one’s for you.

Their standard Bitcoin Mortgage works a lot like a regular mortgage:

• You still need credit checks.
• You still need debt-to-income checks.
• You still need to put money down.

The twist is that your money down is in $BTC.

Instead of selling $BTC to make a normal deposit, you put at least 20% of the home price into a Bitcoin Mortgage Reserve (BMR).

So on a $500,000 home, you put $100,000 worth of $BTC into the BMR.

Instead of paying private mortgage insurance (PMI), which protects the lender and gives you nothing back, you contribute payment to the BMR, then share any potential upside if the BMR grows (from $BTC going up in value). If BTC does a 30% CAGR, you are debt free in 8 years, at 15% CAGR you are debt free in 14 years!

The Bitcoin mortgage also keeps things simple in a single process.

Instead of borrowing against $BTC on one platform, taking that cash to a bank, and managing two loans, Peoples Reserve builds the Bitcoin into the mortgage itself.

One of the best parts is that you can’t have your Bitcoin Mortgage forcibly liquidated, like you could be with a normal $BTC-backed loan.

Peoples Reserve says that even if Bitcoin goes to zero, you keep the home – as long as you keep making your mortgage payments.

They also offer an “Loyalty Lock” feature that lets you transform the loan from a variable rate to a fixed rate. That way any volatility in $PRN value doesn't change your interest rate at all, it's more like buying down points on a traditional mortgage that doesn't require active management.

Self-Repaying Mortgage (100% Collateral, No Credit Checks)

The Self-Repaying Mortgage is for people who already have enough $BTC, gold, or silver to fully back the home they want to buy.

So if you’re buying a $500,000 home, you need the full $500,000 worth of collateral.

That sounds like a lot. But compared with a normal $BTC-backed loan, it can actually be lighter.

If another $BTC lender gives you 50% LTV, borrowing $500,000 would require around $1 million in $BTC. And if $BTC drops too much, you can get margin called or liquidated.

But what are the perks of putting 100% down, instead of going for the regular Bitcoin Mortgage?

You still have mortgage payments – that part doesn’t go away.

But what you DO get to enjoy is:

• No credit or income check
• No debt-to-income test
• No forced liquidation
• Keeping 100% of the upside if your collateral appreciates.

Your interest rate is based on two dynamic levers: your loyalty tier and the collateral ratio of the loan.

You can even get as low as a 1% rate at the highest $PRN tier and overcollateralizing further.

But what makes it self-repaying?

This is where i was confused at first – don’t worry, your collateral isn’t being sold to make payments.

The self-repaying idea comes from the fact that your collateral may go up in value over time, which means you can withdraw some as your LTV goes over 100%.

If you think of it that way, the increasing value of your collateral paying itself off as the loan goes on.

On the flip side, keep in mind that if your collateral falls, your rate can rise.

Peoples Reserve says it increases by 0.2% for every 10% drop below a 100% collateral ratio, to a maximum 2% increase over your starting rate (bitcoin at $0).

You’ll only want to use a Self Repaying Loan if you think the value of your $BTC will go up more than the interest payments you’re making on the mortgage – otherwise it's a bad deal.

Which mortgage option should I choose?

Choose the Bitcoin Mortgage if you have enough $BTC or cash for a 20%+ reserve, but not enough to fully back the whole home.

Choose the Self-Repaying Mortgage if you can post 100% collateral in $BTC, gold, or silver and want no credit checks, no forced liquidation, and you believe that the collateral will go up more than the interest payments you make over time.

Refinancing

Already own a home, but want to swap into a Bitcoin-backed mortgage instead?

Peoples Reserve also lets you refinance through their exclusive liquidity provider TruFi, into one of the above Bitcoin-backed mortgage options.

TruFi shuffles up your setup by doing the following:

1. Buys your home
2. Pays off your current mortgage
3. Finances the home right back to you
4. From there, you choose either a Self-Repaying Mortgage or a Bitcoin Mortgage.

And yes, you get to stay in the home the whole time.

This is a sell-and-finance-back setup, not a standard refinance – so before going ahead with anything, check the finer details like the legal terms, the tax treatment, title changes, and fees.

And of course, you’ll also want to run the numbers and check whether the new deal is going to be better than the mortgage you currently have.

Earning Yield

The first thing to make clear here is this: you can’t just park your $BTC on Peoples Reserve and earn interest on it.

Instead, you’re buying into products like Bitcoin Bonds and Vaults, or making an RWA Property Claim that you have to buy into with the relevant asset.

The most important thing here is that you completely understand the yield product you’re investing in – most of them aren’t as straightforward as standard yield products.

Bitcoin Bonds

I found Bitcoin Bonds super cool, because they introduced a totally new concept that I haven't seen before.

As you and I know, the biggest hesitation people have about buying $BTC these days is the possible downside.

We’re all $BTC believers here – but there’s no denying that it’s volatile.

But imagine if you could capture a ton of Bitcoin’s upside, without risking downside at the same time?

That’s where Peoples Reserve Bitcoin Bonds come in.

Put simply, these Bitcoin Bonds split your money mostly into US Treasuries, with the rest in $BTC.

Why?

Well, Treasuries come with a yield.

The idea is that if you invest in both Treasuries and $BTC, the yield on your Treasury allocation can grow to pay back the part that you spent on $BTC – while your $BTC grows as much as it likes.

The result?

It feels like you get your original investment back, plus the Bitcoin on top (and however much it increased in value) – which kinda feels like “free” $BTC.

Of course, it’s not really free money. It still takes tying up your money for a 5 or 10 year term – and safe as Treasuries are, there’s still some level of risk.

To keep things safe, you’ll need to be an accredited investor to buy Bitcoin Bonds.

Unlike some of the other vault products that are discussed below, the Bitcoin Bond product has no management, entry, or exit fee.

It does, however, come with a performance fee of 5% to 20%, depending on your $PRN loyalty tier.

Earning Yield with Vaults

The other way to earn yield on your funds with Peoples Reserve is through their Vaults.

You pick a Vault with a strategy that you like, make a deposit, and sit back while Peoples Reserve runs that strategy for you.

For now, there are four Vault options available:

1. Bitcoin Bond Vault: Uses Bitcoin Bonds to help businesses or nonprofits bring in funding while protecting the starting amount.
2. Digital Real Estate Fund Vault: Traditional cash-flowing real estate strategies but with the added Bitcoin financing component which increases Fund performance & returns.
3. prUSD Arbitrage Vault: The “earn on dollars” option. It tries to generate yield from stablecoin arbitrage strategies.
4. $PRN Rental Vault: Lets you put your $PRN tokens to work by making them available for other platform users to borrow inside the Peoples Reserve ecosystem.

The biggest perk with Vaults is that you don’t have to do all the fiddly stuff yourself.

Just pick the Vault that matches what you’re trying to do, and Peoples Reserve handles the strategy.

But don’t forget to completely understand exactly how the strategy works before jumping in (review all provided fund documents) – and definitely don’t forget to consider the fees.

Vaults come with an entry fee, a management fee, an exit fee, and also take a cut of the profits.

Check out the table in the fees section from earlier for the full details.

RWA Property Claim

This is one feature that might take a second to wrap your head around – I asked them directly about it, and this is basically how they explained it to me:

If you fully own your home, Peoples Reserve lets you claim the home’s tax-assessed value against the company’s Bitcoin Treasury Strategy.

You’re not taking out a loan, or adding new debt against the house. And you still keep full ownership of the property.

Instead, your paid-off home basically becomes a “badge” that qualifies you for monthly rewards.

The claim is backed by their delta-neutral Bitcoin treasury strategy – their own treasury generates a yield, and they use that yield to pay out rewards to users of this program.

This can go as high as 4% APY for Gold tier users and 8% APY for Diamond tier users.

What do they get out of it? It looks like they get less people selling back $PRN when done with their Bitcoin Mortgage and more people investing into the $PRN loyalty program, as well as encouraging asset (home) owners to use the platform and its wider suite of features.

To qualify, you need to own the home outright, have a clean title, and hold either Gold or Diamond $PRN status (Basic and Silver tier users don’t qualify).

Gold tier users can earn 4% APY on up to $250,000 of claimed tax-assessed value, while Diamond tier users can earn 8% APY on up to $500,000, across up to two properties.

Lines of Credit

Bitcoin-Backed Line Of Credit (BLOC)

This is the more normal $BTC-backed loan product that competes with popular crypto-backed lenders like Ledn, Nexo, SALT, and more.

You put up $BTC or prBTC (the platform’s own $BTC-pegged token), and Peoples Reserve lets you borrow against it at 50% LTV – a typical ratio in the BTC-backed loan market.

That means if you have $100,000 in $BTC, you can borrow up to $50,000 against it.

You get the cash you need, and you don’t have to sell your Bitcoin or generate a taxable event (depending on your jurisdiction).

Now, while Peoples Reserve mortgages don’t have liquidation risk, this line of credit does – again, very normal for this type of loan.

If Bitcoin drops, your loan gets riskier because your collateral is worth less.

Peoples Reserve gives you a warning at 70% LTV, margin call at 75%, final call at 80%, and partial auto-liquidation at 85%.

Rates start at 12% for Basic and go down to 8% for Diamond, once again based on your $PRN loyalty tier.

With the Diamond tier and an LTV < 20%, you can qualify for an interest rate as low as 5% APR.

Bitcoin *Bond* Line of Credit (BBLOC)

Don’t let the similar name fool you – this is a totally different line of credit from the previous one!

Remember the Bitcoin Bond from earlier.

Well, guess what…you can borrow against those, too.

The biggest benefit? No risk of liquidation.

The main worry about borrowing against your $BTC is having to keep an eye on it to make sure that the LTV stays healthy, so that you’re not unexpectedly liquidated.

But here, you get yield, $BTC upside, AND you get to unlock the liquidity for everyday use.

You borrow against the Treasury-backed portion of the bond, without selling it or touching the $BTC part.

That’s why the BBLOC is so different from a normal $BTC-backed loan.

You’re not borrowing against Bitcoin’s volatile market value. You’re borrowing against the stable US Treasury side of the bond.

Making Swaps

You can also swap assets inside Peoples Reserve, so you don’t have to move funds out to another exchange like Coinbase every time you want to trade.

The supported assets at launch are:

• $BTC
• $ETH
• $USDT
• $USDC
• $prBTC
• $PRN
• $prUSD.

Watch out though – this convenience also comes with a fee.

If you’re on the Basic tier, swaps cost 1.49%, which can be significant if you’re swapping a large amount.

That fee gets cheaper as your $PRN tier goes up, with Diamond users getting FREE Swaps – much more competitive with pure exchanges.

Higher tiers also get 1–3 free withdrawals per month, plus an additional 5%–20% off Swap fees if you pay with $PRN.

In a nutshell, the swap function is handy because it keeps everything inside Peoples Reserve, but it’s way more attractive if you have the $PRN benefits, especially Diamond’s free Swaps.

Otherwise, fees can add up fast.

Debit Card

Peoples Reserve is also planning a debit card, but this one’s still marked as coming soon.

The idea’s the same as other crypto debit cards:

You can spend your Peoples Reserve balance in normal life, without manually cashing out anything first.

That being said, it looks like you have to fund your card with $prUSD, which means you can’t hold your balance in $BTC or any other crypto.

You can fund the card with up to $50,000 $prUSD, and payments convert into local money only when you pay for something.

The cool part is that they’re looking to implement a cashback feature based on your $PRN loyalty tier (0.25% - Basic, 0.5% - SIlver, 1% - Gold, 2.5% Diamond) that is paid in prBTC. Earning Bitcoin while you spend is always a good deal. The card will work in 150+ countries and anywhere Visa or Mastercard is accepted.

Peoples Reserve Customer Service

Once the platform formally launches, I'll try their customer service first-hand, and post about it here.

That includes any text-based help sections, as well as contacting them directly.

Who’s Peoples Reserve For?

• People who are Bitcoin-rich but don’t want to sell: If you hold meaningful $BTC and want to borrow, buy property, or access liquidity without fully cashing out.
• People who want Bitcoin-backed property financing: The mortgage and refinance products are amazing if you’re a home buyer (or owner) who wants $BTC, gold, or silver to support their mortgage strategy.
• People who understand advanced Bitcoin borrowing: If you already understand LTV, custody, variable rates, $PRN tiers, and the tradeoffs of borrowing against digital assets.

Who’s Peoples Reserve Not For?

• People who are new to crypto: Peoples Reserve is probably too advanced if you’re still figuring out wallets, collateral, Bitcoin volatility, or how crypto-backed borrowing works.
• People who want traditional loans: This isn’t a basic mortgage, loan, or savings account, so if you want familiar terms, simple fees, and standard bank-style products, you may find it too complex.
• People who don’t want token, collateral, or platform risk: $PRN tiers, $BTC-backed loans, vaults, bonds, and custody terms all add moving parts, so this isn’t ideal if you want low-maintenance exposure with minimal fine print.

Peoples Reserve Alternatives

Peoples Reserve has a lot of features, so let’s compare each of the three main ones against their closest alternatives – with real numbers

Peoples Reserve Bitcoin Mortgage vs. $BTC Loan + Bank Mortgage

Here’s the scenario where you have some $BTC that you don’t want to sell, but not enough to fully back a $500k home.

Do you get a Peoples Reserve Bitcoin Mortgage, or borrow against your $BTC then use it for a fiat down payment and a “normal” mortgage?

1. With a Peoples Reserve’s Bitcoin Mortgage:

You put $100k of $BTC or cash into the Bitcoin Mortgage Reserve, or BMR. That $BTC supports the mortgage and may grow over time, and you get some of that appreciation back.

Peoples Reserve won’t liquidate your loan if your $BTC collateral crashes in value.

2. With the normal $BTC-loan and mortgage combo:

You borrow fiat for a deposit from another $BTC lender, but they need a 50% LTV. That means you either need to borrow against $200k worth of $BTC to get $100k, or borrow much less than $100k.

Making a down payment of less than 20% of the home’s value would mean you’re paying PMI, but you also might not want to borrow against $200k of $BTC.

The lender will also liquidate your $BTC if the market crashes too far.

Choose the Bitcoin Mortgage if you want the cleaner path, lower $BTC requirement, and no separate $BTC-loan liquidation risk.

Choose the $BTC-loan-plus-bank route if keeping more $BTC upside matters more than simplicity, and you’re comfortable managing margin-call risk.

Peoples Reserve Self-Repaying Mortgage vs. $BTC Loan To Buy Outright

Now, imagine you have plenty of Bitcoin (or gold or silver) to cover the entire purchase of the house – outright, if you wanted.

Let’s use the same $500,000 home:

1. With a Peoples Reserve’s Self-Repaying Mortgage:

You post $500,000 worth of $BTC, gold, or silver as collateral.

You still have mortgage payments, but Peoples Reserve says there’s no credit check, no income verification, and no forced liquidation if $BTC falls in value.

2. With a standard $BTC-backed loan:

Once again, a standard 50% LTV limit would mean you’d need to put down at least $1M+ worth of $BTC as collateral – and worry about it being liquidated if it falls in value.

Choose the Self-Repaying Mortgage if you want to keep your assets, avoid credit checks, and avoid forced liquidation.

Choose the standard $BTC-backed loan route only if you have enough extra $BTC to stay safely overcollateralized and prefer owning the home outright with a separate loan.

Peoples Reserve Bitcoin-Backed Credit Line vs. Ledn vs. Nexo vs. SALT Credit Lines

Peoples Reserve’s Bitcoin Line of Credit sits somewhere between Ledn’s simplicity and Nexo/SALT’s flexibility.

Like Ledn, it keeps the borrowing side Bitcoin-focused. You’re borrowing against $BTC or prBTC at a standard 50% LTV, which makes it pretty easy to understand.

Peoples Reserve rates get super competitive if you hold a lot of $PRN, otherwise they’re more or less on par with the other platforms.

Here’s the side-by-side comparison:

Is Peoples Reserve Safe To Use?

Who founded Peoples Reserve?

Peoples Reserve was founded by CJ Konstantinos, a Bitcoin-focused founder and analyst.

Before Peoples Reserve, he founded Christian Investment Analysis and created the $BTC Fair Value indicator, which has been used in Bitcoin market and treasury analysis.

Peoples Reserve is based in Southwest Florida and lists partners including BitGo, Fireblocks,Carta, DLA Piper, Rains, Arrakis, and Uniswap.

Custody of Your Funds

Peoples Reserve says collateral is held with BitGo in an individual bankruptcy-remote SPV.

In plain terms, that means your collateral is sitting with a highly trusted custodian, inside a separate legal box and away from Peoples Reserve’s own company money.

They also contractually agree that your funds cannot be rehypothecated (re-lent to third parties).

But a couple questions still remain:

• What happens if Peoples Reserve has problems? Customer assets are held by BitGo in bankruptcy remote custody accounts.
• Is there insurance? BitGo holds a national banking license so fiat dollars are held with FDIC insurance and crypto assets are insured with Lloyds of London.

$PRN Risk

One $PRN risk that stood out to me is that your tier depends on the market value of your $PRN holdings over time.

That matters because your $PRN tier can affect the rates you pay, the fees you get, the yield you earn, and even how much upside you keep on some products.

So if $PRN drops in value, you could lose tier benefits unless you buy or pay to rent more $PRN to maintain your desired tier benefits.

That’s not a huge deal for a one-off swap fee.

But it matters a lot more for bigger products, especially mortgages, where you could be looking at long repayment periods and serious money. That makes the Loyalty Lock feature a big benefit as it removes $PRN price risk and could save you thousands over the life of the loan.

So I’d treat $PRN as useful if you’re actively using Peoples Reserve, but not as a “set and forget” perk. You need to understand that the benefits may depend on holding enough $PRN value over time.

Proof-Of-Reserves

I couldn't find any information on Proof-of-Reserves, but I've submitted a question to the team to find out if that's something they provide.

Final Thoughts On Peoples Reserve

Peoples Reserve is one of the more interesting Bitcoin finance platforms I’ve looked at, mostly because it’s not just trying to give you another $BTC-backed loan.

It’s trying to answer a bigger question:

What if you could actually use your Bitcoin without selling it first?

The mortgage products are the strongest part for me.

The Bitcoin Mortgage gives you a way to use $BTC as a home deposit instead of selling it or paying PMI-style dead money.

The Self-Repaying Mortgage is the heavier version, where you put up 100% collateral but skip credit checks, avoid income checks, and keep all the upside if your collateral grows.

The calculators also help a lot.

These products have a lot of moving parts to understand, so being able to run the numbers and see the breakdown makes it much easier to figure things out.

That said, Peoples Reserve isn't simple.

You’re dealing with Bitcoin collateral, variable rates, $PRN tiers, custody, mortgage structures, vault fees, reserve splits, and products that may not be fully live yet.

For beginners, it’s probably a lot.

But for serious Bitcoin holders who want to borrow, buy property, earn, or spend without fully cashing out, Peoples Reserve is doing something genuinely different.

Peoples Reserve Frequently Asked Questions