# Peoples Reserve

> Bitcoin Powered Finance. Peoples Reserve provides Bitcoin- and Gold-backed mortgages, Bitcoin Bond treasury strategies, RWA Property Claims, and a full digital asset management platform for individuals, corporations, and governments. Build Wealth Smarter.

Peoples Reserve (founded 2021, HQ Florida, USA) is a financial services platform that lets users borrow against, earn yield on, and spend digital assets without selling their Bitcoin. Core products include the Self-Repaying Mortgage (SRM), Bitcoin Mortgage with BMR, Bitcoin Bond (Reg D 506(c), 8% APR base, principal-protected via U.S. Treasuries), Bitcoin Lines of Credit (from 3% APR, zero liquidation risk), RWA Property Claims (4–8% APY on home equity), Vaults, the PRN loyalty token, a debit card, and a DEX-aggregated Swap.

## Core products

- [Borrow](https://www.peoplesreserve.com/borrow): Self-Repaying Mortgages, Bitcoin Mortgages with BMR, Refinance, and Bitcoin Lines of Credit from 3% APR with zero liquidation risk.
- [Earn](https://www.peoplesreserve.com/earn): Bitcoin Bonds (principal-protected, 8% APR base), RWA Property Claims (up to 8% APY), and diversified Vault strategies targeting 20%+ APY.
- [Spend](https://www.peoplesreserve.com/spend): Debit card with on-chain settlement, DEX-aggregated Swap, and PRN loyalty token rewards.
- [RWA Property Claims](https://www.peoplesreserve.com/rwa-property): Tokenize paid-off home equity as Real World Asset claims and earn 4% (Gold tier) to 8% (Diamond tier) APY with no debt.
- [Vaults](https://www.peoplesreserve.com/vaults): Inflation hedging, prUSD yield, PRN rental income, and Bitcoin Bond auto-compounding strategies.

## Institutional

- [Accounts](https://www.peoplesreserve.com/accounts): Corporate and government treasury accounts with Bitcoin-powered yield, borrowing, and custody.
- [Government Solutions](https://www.peoplesreserve.com/government): Bitcoin treasury infrastructure for municipalities and sovereign entities.
- [White Glove Services](https://www.peoplesreserve.com/white-glove): Premium services for high-net-worth clients ($1M+ minimums) with dedicated relationship managers.
- [PR Ventures](https://www.peoplesreserve.com/pr-ventures): Up to $1M in seed and Series A funding for Bitcoin Powered Finance startups.

## Calculators

- [Self-Repaying Mortgage Calculator](https://www.peoplesreserve.com/self-repaying-mortgage-calculator)
- [Bitcoin Mortgage (BMR) Calculator](https://www.peoplesreserve.com/bitcoin-mortgage-calculator)
- [Refinance Calculator](https://www.peoplesreserve.com/refinance-calculator)
- [Bitcoin Bond Calculator](https://www.peoplesreserve.com/bitcoin-bond-calculator)
- [Line of Credit Calculator](https://www.peoplesreserve.com/line-of-credit-calculator)
- [RWA Property Claim Calculator](https://www.peoplesreserve.com/property-claim-calculator)

## Other

- [About](https://www.peoplesreserve.com/about): Mission, team, and founder bio (CJ Konstantinos).
- [Contact](https://www.peoplesreserve.com/contact): Schedule a consultation. Email: contact@PeoplesReserve.com
- [HealthShare](https://www.peoplesreserve.com/healthshare): Bitcoin Bond–powered healthcare cost sharing.
- [HouseFacts](https://www.peoplesreserve.com/housefacts): AI-powered real estate management ($999/mo tier).
- [Terms of Use](https://www.peoplesreserve.com/terms-of-use)
- [Privacy Policy](https://www.peoplesreserve.com/privacy-policy)
- [Risk Disclaimer](https://www.peoplesreserve.com/risk-disclaimer)
- [Legal Disclosure](https://www.peoplesreserve.com/legal-disclosure)