Asset-Backed Lending
Borrow against your Bitcoin, gold, and silver without selling. Self-Repaying Mortgages use collateral appreciation to gradually reduce your interest rate. No credit checks, no income verification.
Currently Available to US Residents Only
Self-Repaying Mortgages through People's Reserve are currently available to US residents only. International availability may expand in the future. This page is provided for educational and informational purposes.
How It Works
1:1 Collateral
Post 100% of the purchase price in BTC, gold, or silver. Held in a bankruptcy-remote SPV by BitGo.
No Liquidation Risk
Dual collateralization via property title and crypto collateral. No margin calls.
No Credit Check
No income verification, DTI ratio, or PMI. Your sound money is your credit score.
Self-Repaying
As your collateral appreciates, your effective LTV drops and your interest rate decreases over time.
Self-Repaying Mortgage Process
Your Bitcoin, Gold, and Silver do the heavy lifting.
Deposit Collateral
Post 1:1 collateral (100% LTV) in BTC, gold, or silver. Held in a bankruptcy-remote SPV by a qualified custodian.
Receive Financing
Get financing at rates as low as 3% APR based on your loyalty tier. 30-year terms with no credit checks or income docs.
Variable Rate Adjusts
Every 30 days, as collateral price rises or falls, your interest rate adjusts. Max increase: 5%, max decrease: 4% from starting APR.
Keep Your Collateral
After final payment, withdraw all of your pristine collateral back into self custody.
Interest Rate by Loyalty Tier
Variable rate adjusts with collateral price over 30-day periods
| Tier | Starting APR | Low (33% LTV) | High ($0) |
|---|---|---|---|
| Basic | 10.00% | 6.00% | 15.00% |
| Silver | 9.00% | 5.00% | 14.00% |
| Gold | 8.00% | 4.00% | 13.00% |
| Diamond | 7.00% | 3.00% | 12.00% |
Rate Reduction by Collateral
Overcollateralize to unlock lower APRs
| Ratio | LTV | Diamond | Basic |
|---|---|---|---|
| 300% | 33% | 3.00% | 6.00% |
| 250% | 40% | 4.00% | 7.00% |
| 200% | 50% | 5.00% | 8.00% |
| 100% | 100% | 7.00% | 10.00% |
SRM Calculator
Model your payments with BTC, Kinesis Gold (KAU), or Kinesis Silver (KAG) as collateral.
SRM Calculator
Model your Self-Repaying Mortgage payments, collateral ratios, and savings by loyalty tier.
Estimated Closing Costs (5%): $25,000
Overcollateralize to unlock lower rates.
BTC @ $75,000
Assumed annual growth rate. This models how the "self-repaying" mechanism works as collateral appreciates.
Loan Summary
Monthly Payment
Projected Savings
vs 6.5% traditional 30yr fixed, 15% CAGR.
US Residents Only
Self-Repaying Mortgages through People's Reserve are currently available to US residents only.
Why Kinesis KAU & KAG?
Kinesis Gold (KAU) and Kinesis Silver (KAG) are uniquely positioned for asset-backed lending. Each token is backed 1:1 by allocated, insured physical metal, making them pristine collateral. And while your collateral works to secure your mortgage, you continue earning Kinesis yield on your holdings.
Allocated & Insured
Physical gold/silver in audited vaults
Earn While Collateralized
Kinesis yield continues on holdings
Sound Money Qualified
No credit checks. Gold speaks for itself
Ready to Explore?
Visit People's Reserve to learn more about Self-Repaying Mortgages and start your application.
Visit People's ReserveRWTS is an independent research platform. We are not a mortgage broker or lender. This is not financial advice.