Brought to you by the team featured in:
Fintech's Answer To The Global Retirement Crisis
Consumer choice is good for society. Let’s bring tontines back, better than ever.
The Return Of The Tontine – A Natural Retirement Option For Bitcoiners?
Arguably, this is the social security system of the future.
Tontines in Canada: From Theory to Practice
Canadian tontines—pooled survivorship funds—gain traction as low-cost retirement-income alternatives.
Irish fintech company prepares PEPP move
Tontine Trust plans low-fee, sex and age-specific tontine pensions across Europe.
The Crypto-Capitalist and His Digital Tontine
Irish entrepreneur Dean McClelland’s TontineTrust combines tontines, blockchain, and cryptocurrency for retirement income.
An odd thing happening in America with “Tontine” pensions.
Tontine Trust explores pooled longevity and alternative investments for US and UK retirement plans.
Tontines garnering a new wave of interest
Dean McClelland said the OECD’s mention of tontines is a sign of growing acceptance.
The world's most popular lifetime income is back, better than ever
Tontine Trust offers a historically popular solution to lifestyle planning with our innovative Tontine Trust Funds.
A tontineA tontine is a financial arrangement linked to a living person which provides an income for as long as that person is alive. When members of a tontine class pass away, their leftover balances are shared among the surviving members of the same 'Tontine Class' consisting of members with similar life expectancies. is a 400 year old wealth planning arrangement designed to provide a steady lifetime income, which potentially rises over time to offset inflation.
How It Works
The simple, proven solution to a timeless problem
Create a Trust Online
Members create and fund an individual irrevocable Trust.
The Trust buys the Member's preferred hard asset to act as a long term store of value.
The Trust starts making monthly distributions from whatever dates the Member chooses in the app.
The Tontine Begins
The Trust joins a Tontine Class of up to 10,000 same-sex members with similar ages.
When members pass away, the leftover assets are shared fairly across the Tontine Class.
These tontine transfers, alongside asset returns, are the source of the lifetime incomes.
The Über Tontine
When the average age of a Class’s members turns 100, the whole Class is joined to the Über Tontine Class.
The Über Tontine runs in perpetuity, providing stability of income for the centenarian Tontiners in their golden years.
Why do people choose a Tontine Trust?
Tontine Trusts are a smart, fair way to secure a steady income for life.
Lifelong Income, Made Simple
- Contribute to your trust as often as you wish,
- Select a reserve asset for your trust,
- Choose the income profile that works for you,
- Use the app to set and update the income start date,
- Start receiving monthly income automatically.
Enjoy Flat Low Fees
- A 1% annual fee covers the costs,
- No set-up costs or hidden charges,
- No commissions for agents,
- = More of your income comes to you.
Effortless, Secure Access
- Login via the website or the mobile apps,
- No passwords to forget - just login with your face,
- Update your receiving bank account any time,
- Appoint your trusted person in case of emergency.
A Lifetime Income in your pocket
Our simple to use mobile apps make sure that you can control your monthly income from the comfort of the beach or golf course.
Coming soon
Use the 'Tontinator' to illustrate potential income
Estimates are based upon mortality rates and asset values which change regularly
The Tontinator is part of the MyTontine™ platform which is going through its testing phase ahead of launch.
Forecasts are based upon the expected rate of return of the selected assets and average life expectancies each of which change over time.
Therefore the forecasts and the actual income received will vary in response to changes in the actual and/or expected rate of return and the actual mortality of members of the tontine class that you are assigned to.
Annuity rates are estimated based upon currently advertised rates from sources which we believe to be reliable.
The Tontinator is for educational purposes only and there is no guarantee that these results will be achieved by each member.
Savers should consider their personal risk tolerances before considering any investments and should consult a financial advisor where appropriate.
Easy to setup
Your Trust Fund can often be established and funded within 15 minutes
Design your Plan
Estimate your potential contributions, choose a reserve asset, choose an income level and when you want the income to start being distributed.
Fund your Trust
Once you pass our onboarding process, you can start contributing through a local currency account in your name at one of our partner banks.
Relax & Start Living
People with lifetime incomes are happier and live up to 20% longer than those living in fear of running out of money according to research
Our global banking infrastructure
Borderless - Global Payments
A state-of-the-art payments network that enables financial institutions to transfer money globally at far greater speed and lower costs than the SWIFT network.
BitGo - Global Custodian Bank
BitGo Bank & Trust is a leading global qualified custodian securing $100 Billion of assets on behalf of 1,500 institutions.
SmartPay - Instant Payments
Established in 2019, SmartPay enables the inclusion of people who were previously excluded from the traditional banking system and financial services from LATAM.
Supported currencies:
more coming soon...
