Dual-Collateral LenderMARKET FIND

Peoples Reserve — Bitcoin-Powered Home Mortgage Platform

Peoples Reserve offers home-finance structures that pair a property interest with bitcoin, gold, or silver reserves. Its Bitcoin Mortgage Reserve model starts with a bitcoin contribution equal to as little as 20% of the purchase price.

website

https://www.peoplesreserve.com

focus

Bitcoin-reserve residential mortgage structures

serves

US homebuyers and homeowners with bitcoin

geography

LTV Range

20% BTC contribution to 1:1 BTC collateral

Custody Model

qualified custodian

Rehypothecation

False

Term Range

up to 30 years, product-dependent

Rates Public

True

Jurisdictions

US, subject to product availability

Property Types

SFR, owner-occupied residential, residential refinance

Collateral Split Notes

Property security is paired with a BitGo-custodied bitcoin reserve; required BTC ranges from 20% of purchase price to 1:1 with financing.

Benefits

no rehypothecation, insured custody, no credit check, retain property ownership, btc denominated

Source

https://www.peoplesreserve.com/borrow

Peoples Reserve operates a digital-asset management and home-finance platform centered on bitcoin-backed property transactions. Its Bitcoin Mortgage Reserve model allows a buyer to contribute bitcoin equal to as little as 20% of the purchase price into a reserve account while a lender finances the remaining home acquisition. A separate Self-Repaying Mortgage model uses bitcoin, gold, or silver on a one-to-one basis with the financing amount. Public help-center materials state that digital collateral is held through a BitGo structure, is not rehypothecated, and is designed without conventional margin calls or forced liquidation. The property remains part of the security and ownership arrangement, while the reserve is intended to reduce the outstanding balance according to the governing agreement. Peoples Reserve also describes purchase and refinance workflows in which TruFi acquires or pays off the property and seller-finances it back to the occupant. Rates, reserve payments, loyalty-token conditions, title structure, and legal availability are product-specific and should be reviewed directly rather than inferred from calculators.