what's Peoples Reserve?

Peoples Reserve is a Bitcoin-powered finance platform offering innovative lending products like Bitcoin Mortgage Reserve (BMR), Self-Repaying Mortgage (SRM), and Bitcoin Bonds. These enable users to borrow against Bitcoin (or gold/silver) collateral without volatility-based liquidation risk through cross-collateralization with real estate or principal-protected structures. Collateral is held in bankruptcy-remote SPVs via custodians like BitGo, with no rehypothecation, variable rates tied to LTV, and mechanisms like escrow growth to eliminate mortgages early. The SRM provides 1:1 LTV financing with self-adjusting payments as collateral appreciates. The $PRN loyalty token enhances platform utility by unlocking lower borrowing rates, higher yields, reduced fees, and exclusive access based on holdings relative to portfolio. Founded by Bitcoin maximalist CJ Konstantinos in 2013, the platform fuses traditional finance engineering with Bitcoin as "pristine collateral" to deliver risk-free rates, yield generation, and liquidity for sound money holders in the internet economy.

Peoples Reserve founder CJ Konstantinos scheduled to speak at Bitcoin 2026 conference.

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