Six years ago, CJ Konstantinos bought his first home using Bitcoin. At the time, it seemed like a practical trade, until the home’s dollar value rose while its worth in Bitcoin plummeted. That moment, watching neighbors celebrate their appreciation windfall while he quietly calculated his losses, sparked a shift in thinking. What if Bitcoin wasn’t meant to be spent like cash, but leveraged like stock?
That idea eventually became Peoples Reserve.
For Konstantinos, Bitcoin isn’t just a store of value or a speculative investment. It’s an asset class. A hard one — pristine, as he likes to say — engineered with digital scarcity, global liquidity, and near-instant settlement. In the right hands, it’s the financial equivalent of Tesla stock in Elon Musk’s playbook: not something to sell, but something to borrow against. Peoples Reserve is the company that makes that possible.
Its core innovation is a suite of Bitcoin-powered mortgage and credit products that eliminate the need to trade away one’s holdings. If you’ve got the Bitcoin, you can use it as direct collateral — no credit score, no job history required. Just post the equivalent value of the loan in Bitcoin, and you can get financing for a home or other major purchase without selling a single sat.
It’s a major departure from how Bitcoin-backed lending has historically worked. In the traditional model, borrowers post crypto as collateral but still face the risk of forced liquidation if prices drop. Peoples Reserve flips that equation. The only way to lose your Bitcoin is to default on payments, not because the market dipped. Instead, the risk is handled with dynamic interest rates. If Bitcoin’s price drops, your rate rises. If it soars, your rate could drop, potentially even below prime.
This flexibility isn’t just novel — it’s strategic. For long-time Bitcoiners, it creates a way to unlock purchasing power today without sacrificing future upside. For lenders, it introduces a new kind of risk-adjusted yield: secured by both real estate and digital scarcity rather than promises or fiat-backed debt.
That’s why Peoples Reserve is positioning itself as more than just another lending platform. It’s building what Konstantinos calls the infrastructure for a “decentralized internet economy.” A place where regular people, not just billionaires, can leverage assets into economic opportunity, without relying on traditional credit markets or central bank policies. If Bitcoin is the super asset for the people, Peoples Reserve wants to be the interface.
The platform is launching first in the U.S. with products like Bitcoin-powered mortgages, lines of credit, and even a self-repaying loan. But the vision stretches far beyond that. Future expansions include EU and Australian markets, and an all-in-one financial dashboard for Bitcoiners to manage their most valuable life assets: Bitcoin, health, and real estate.
One of the more ambitious promises? A redefinition of the yield curve itself. Instead of governments setting interest rates from the top down, Konstantinos imagines a world where interest rates are set by the market, based on real-time collateral quality, borrower behavior, and asset performance. A world where Bitcoin becomes the backbone not just of personal finance, but of a decentralized lending ecosystem that bypasses central banks entirely.
That future is still being built, but Konstantinos is clear: this is about reclaiming the power of ownership. Not just in crypto, but in the economy. Not just for investors, but for people.
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