dakatakata 🇪🇺🇭🇺

meritocratic cosmopatriot

[CJK @CJKonstantinos]

Did you know you can buy down mortgage points to lower your rate?

With TradFi, you can pay 1% of loan value to decrease rate by 0.25% APR

Is it worth it? Lets run the numbers...

With current mortgage rate at 6.65%, you pay 10% of loan value to reduce your rate by 2.50% to 4.15% APR

If you borrow $500K at 6.65% APR
🔹️ Monthly Payment = $3,210
🔹️ Total Interest = $655,537
🔹️ Total payment = $1,155,537

Paydown Point Cost: $50,000
Rate Reduction: 2.50%
New Inteest Rate: 4.15% APR

If you borrow $500K at 4.15% APR
🔹️ Monthly Payment = $2,431
🔹️ Total Interest = $374,986
🔹️ Total payment = $874,986

Result of buying points:
🔹️ Monthly Savings = $779
🔹️ Yearly Savings = $9,348
🔹️ Total Savings = $280,440
🔹️ Breakeven Time = 5.35 years

With TradFi point buying, once that money is spent, its gone ⚠️ so you need to know your breakeven time.

If you dont live in the house for 5.35 years then you wasted your money.

ENTER:
🔸️ PEOPLES RESERVE
🔸️ BITCOIN POWERED FINANCING
🔸️ $PRN LOYALTY TIER POINTS

Peoples Reserve's Bitcoin Mortgage Reserve (BMR) starts at 6.00% APR

If you borrow $500K at 6.00% APR
🔸️ Monthly Payment = $2,998
🔸️ Total Interest = $579,191
🔸️ Total payment = $1,079,191

Paydown $PRN Point Cost: $50,000
Rate Reduction: 3.00%
New Inteest Rate: 3.00% APR

If you borrow $500K at 3.00% APR
🔸️ Monthly Payment = $2,108
🔸️ Total Interest = $258,887
🔸️ Total payment = $758,887

Result of buying $PRN points:
🔸️ Monthly Savings = $890
🔸️ Yearly Savings = $10,680
🔸️ Total Savings = $320,400
🔸️ Breakeven Time = 4.68 years

With Peoples Reserve point buying, your money isn't dead, receive $PRN

If you move early, need cash, or the loan is completed, you can sell back your $PRN points to the free market.

Buying down points on your mortgage is no longer a sunk cost.

FURTHERMORE, you can now stake $PRN as $stPRN and earn rewards.

6 month stake: 10% APY (5% per 6m)
12 month stake: 15% APY

$stPRN counts towards tier benefits

That's like getting back a 15% rebate year after year on your cost of points

Results of holding $stPRN points assuming $PRN price stays flat:
🔸️ Monthly Rebate = $625
🔸️ Yearly Rebate = $7,500
🔸️ Total Rebate = $225,000
🔸️ Savings + Rebate = $18,180/yr
🔸️ Breakeven Time = 2.75 years

After 2.75 years, $stPRN has now paid back your point cost in full.

Additional rewards create profit or can reduce monthly payment:
$2,108/m - $625/m = $1,483/m

Thats affordability! 🟠⚡️🏠

$PRN is our platform loyalty token.

One of its benefits is it serves as a tokenized mortgage points system.

But its more than just that, there are many other tier benefits that reduce your costs when utilizing $PRN.

Crypto was never meant to compete with Bitcoin, it was always meant to compliment $BTC as the money.

That's exactly what $PRN does, it empowers responsible savers of $BTC, who use PR's products and services, to SAVE on the cost of using those products and services.

This delivers calculable economic benefits that produce an ROI, even if the token price remains same/drops.

This is why we say:
DONT SPECULATE, CALCULATE!

$PRN is for those who like to run the numbers, the math don't lie.

BTW if you dont like $PRN, thats no problem. We are happy to service you at the basic loyalty tier which still provides industry leading rates.

I almost forgot to mention, on top of all the utility, $PRN holders get participation rewards paid in $prBTC

HODL $PRN, EARN $BTC 🧠

Bitcoin is the pristine collateral foundation for the future of finance.

Building around $BTC, complimenting it as a pristine collateral, and empowering HODLers of it, is the recipe for longterm success.

Build Wealth Smarter ✊️⚡️🟠

[CJK @CJKonstantinos]

Saylor created digital credit, and by doing so opened pandoras box.

From that we built Bitcoin Powered Finance (BPF).

Two sides of the same Bitcoin:

Digital credit fully backed by $BTC
BPF fusing TradFi assets with $BTC

@PeoplesReserve is the U.S. based & regulated cash-flow business that Strategy is missing (according to the TradFi models which dont get $BTC).

Personally, I think Strategy ends up aquiring Peoples Reserve to close the door on the lack of a cash-flow servicing business arguement.

We are perfectly aligned, Strategy becomes the bitcoin bank with us.

The question is does Strategy buy us at $1B or at $10B?

Saylor is a way ahead on things like this, I look forward to that meeting.

[Justin K @JustinKaten1]

Hey @saylor, see what this team is doing over here? 👀

Would love to see a conversation between you and @CJKonstantinos

Give the people what they need!

[CJK @CJKonstantinos]

Hi @IvanOnTech one of our users is a big fan of yours and sent this clip in to our support team

Awesome to interact LIVE with your followers and wanted to shed some light here on our "No Margin Call, No Liquidation Risk" Bitcoin Mortgage.

@PeoplesReserve is pioneering this first-mover product and makes this seemingly science fiction security a reality for our borrowers by holding dual collateral: property title & pristine collateral.

IF $BTC goes to zero, the mortgage is still collateralized by the property itself. This allows us to remove both margin call AND liquidation risk based on bitcoin price action.

We provide that value on top of access to the cheapest interest rates for home buyers, not just in the industry, but in the world (1-8% APR)

Those low interest rates are made possible by our exclusive LP https://t.co/8T1RnXogpw who underwrites, packages, and then sells as Bitcoin Mortgage Backed Securities (the real AAA MBS that TradFi could never create).

Happy to come on for a convo or AMA anytime 🤝

Bitcoin is the pristine collateral foundation for the future of finance!

[Peoples Reserve @PeoplesReserve]

If Bitcoin goes to zero, you still have your house and a TradFi mortgage rate.

If Bitcoin does what it's done for 15 years, you own it free and clear 22 years early.

Name another product with that much asymmetry.

Bitcoin Mortgage Reserve ⚡️

Build Wealth Smarter.

[Peoples Reserve @PeoplesReserve]

Everyone wants lower mortgage rates.
Nobody’s asking why they’re high in the first place.

The answer:

Risk.

A mortgage rate is basically:
Base rate + risk premium

For years the only lever anyone's pulled is the base rate.
Cut rates. Subsidize demand. Print more.

That doesn’t fix affordability. It just kicks the can further down the road.

What if you attacked risk premium directly?

That’s the breakthrough behind Bitcoin Powered Mortgages.

Bitcoin is liquid.
Bitcoin is verifiable.
Bitcoin settles globally, 24/7/365.

Use it as pristine collateral behind the loan and you shrink the risk premium directly.

Lower risk = Lower cost of capital

No printing.
No subsidies.
No permission needed.

Other platforms let you buy a home with Bitcoin.

Bitcoin Powered Mortgages completely change the risk model housing finance has run on for 50 years.

You don’t lower a rate.
You lower what’s underneath it ⚡

Build Wealth Smarter.

[CJK @CJKonstantinos]

SMALL Bitcoin gets you BIG house

1 $BTC = $60K = $300K financing
2 $BTC = $120K = $600K financing
3 $BTC = $180K = $900K financing

Get your house keys immediately.
Up to 50% of $BTC works for you.

Borrow from 3-6% APR.
No margin call risk.
No liquidation risk.

Use Bitcoin today to upgrade your quality of life and standard of living.

Benefit tomorrow from Bitcoins upside.

30% CAGR = debt free in 8 years
15% CAGR = debt free in 14 years

That's Bitcoin Powered Finance
Build Wealth Smarter. 🟠⚡️🏠

[CJK @CJKonstantinos]

Bitcoin is pristine collateral because it is engineered money 🟠⚡️

That means when you use it to secure a loan, you should get access to cheapest rates in the world.

[Peoples Reserve @PeoplesReserve]

BMR is built around one big beautiful idea 💡

Your home should not just be something you pay for.

It should be part of an equity engine where Bitcoin growth helps pull you toward ownership faster.

Example: $500K home. 20% $BTC to escrow.

At 30% CAGR, you own your home free & clear year 8.

You buy back 22 years of your life ⚡️

Build Wealth Smarter.

Platform is live. Join the waitlist 👇

[boris @boristane]

god tier ad

[CJK @CJKonstantinos]

It's @PeoplesReserve launch day 🚀

Bitcoin is going to forever change the way people buy and invest in real estate.

Responsible savers of $BTC will finally:

🔸 Unlock the purchasing power of their savings without having to worry about margin calls and liquidation risk

🔸 Get access to the cheapest rates in the world for homebuyers bc bitcoin is pristine collateral

Couldn't be more excited to be on this journey with you all, see you at 11am est

Happy 4th! 🟠⚡️🏠🇺🇸

[Peoples Reserve @PeoplesReserve]

First, Bitcoin fixed the money.

Today, it fixes housing.

By turning Bitcoin into pristine collateral for real-world ownership.

A home.
A better life.
A stronger future.

A path to happiness built on sound money.

Bitcoin Powered Mortgages are now live.

The American Dream is back.

Happy Fourth of July from all of us at Peoples Reserve 🇺🇸

Build Wealth Smarter.

[Peoples Reserve @PeoplesReserve]

1776 wasn't just the year America declared independence.

It was the year ordinary people chose sovereignty over control.

Tomorrow, we're honoring that spirit.

Bitcoin Powered Mortgages go live.

Anyone who opens their platform account on July 4 will receive a 17.76 $PRN token bonus to commemorate the year freedom was declared.

Founding members only 🇺🇸
Build Wealth Smarter.

[dakatakata 🇪🇺🇭🇺 @dakata994]

T-minus 24 hours until this financial revolutionary service comes live ⚡️

[Peoples Reserve @PeoplesReserve]

HUGE: 1 DAY UNTIL LAUNCH 🚀

At the simplest level, people don’t want a mortgage.

They want the feeling on the other side of it.

The front door opening.
The keys in their hand.
The view from the porch.

The happiness of knowing they didn’t have to give up their future to get there.

That’s what this has always been about.

Not just Bitcoin.
Not just housing.
Not just finance.

A better quality of life and standard of living.

Tomorrow, Independence Day, Peoples Reserve changes the way you buy a home, forever.

One that offers calculable economic benefit, instead of value extraction.

Tomorrow.

Make Homeownership Great Again 🇺🇸

Build Wealth Smarter.

[Peoples Reserve @PeoplesReserve]

In 1776, a group of people decided they were done asking permission.

On July 4th, 2026, you can do the same, Bitcoin Powered Mortgages go live.

Create your platform account on launch day and receive 17.76 $PRN bonus.

Financial freedom has arrived.

Stop asking. Start owning ⚡️
Build Wealth Smarter.

[dakatakata 🇪🇺🇭🇺 @dakata994]

Coming in like a much needed ray of sunshine in the endless clouds

[CJK @CJKonstantinos]

Bitcoin is about to flip the home financing market upside down.

Pristine collateral = lower risk
Lower risk = lower rates
Lower rates = affordability

Want to buy a house?
🔸️ Save dollars for a down payment just do you can pay PMI
🔸️ Save $BTC and get a better deal

It really is that simple 🟠⚡️🏠

[CJK @CJKonstantinos]

Bitcoin Mortgages are by far the best way to buy a home.

Self-Repaying Mortgage (SRM)
Rate (33% LTV): 1-4% APR
Rate (100% LTV): 5-8% APR

No credit checks, no margin calls.
No re-collateralization levels.
No liquidation risk.

Bitcoin Mortgage Reserve (BMR)
Rate (500% LTV): 3-6% APR

Contribute 20% of the price of the home in $BTC for mortgage reserve.

Up to 50% works to pay off debt
50% works to reward the lender.

No margin calls.
No liqudation risk.

Build Wealth Smarter.
July 4th 🟠⚡️🏠

[dakatakata 🇪🇺🇭🇺 @dakata994]

Less than a week to go! Is the World ready to turn their homes orange so they can be financially independent?

[CJK @CJKonstantinos]

Why own just a home when you can own a home AND Bitcoin...

For individuals:
You get the shelter from the home
And asymmetric growth from $BTC

For investors:
You get cash flow from the property
And APY increase from $BTC growth

Get the best of both worlds:
Bitcoin + Real Estate 🟠⚡️🏠

[The Lincoln Project @ProjectLincoln]

Happy 1 year anniversary to this tweet.

[Aswath Damodaran @AswathDamodaran]

I valued SpaceX for its IPO a few weeks ago, with minimal information and a promise to revisit the valuation, when the prospectus was made public. The prospectus is public, the offering price has been set and my update is up and running. https://t.co/zRjpD1C0wv