Tontine Trust

Trust-based tontine platform for lifetime retirement income

Specialty Solutions Startup Seed

Overview

Tontine Trust operates a digital platform that structures tontines - irrevocable trusts that pool members of similar age and pay each surviving member a monthly income for life, funded by redistributing the balances of members who die rather than by an insurer's contractual guarantee. The parent entity, Tontine Trust Retirement Technologies Limited, was established in Ireland in 2020; the operating fiduciary entity, Tontine Trust Europe KB, is authorized in Sweden as a trust management company and gives the company's Stockholm address. Some third-party data aggregators list a 2018 founding date and Dublin headquarters; this profile follows the company's own site.

Members join a Trust Fund through the MyTontine mobile app, which tracks their projected lifetime income as trust returns and the mortality experience of their assigned tontine class change. The platform's technology covers trust administration, asset selection, and distribution modeling across several asset-backed variants, and a "Proof of Reserves" mechanism is intended to let members independently verify trust holdings; no third-party security certification (SOC 2, ISO 27001) is disclosed.

The business is presently direct-to-consumer and pre-revenue at institutional scale: pension-provider, employer, and government-facing offerings are listed on the company's site as "coming soon" rather than live products. Funding to date consists of two disclosed convertible note rounds from Stacks and Tenity; aggregator estimates of total capital raised were not independently confirmed and are omitted here.

Products & Services

MyTontine App

Mobile app (Android/iOS) that serves as the member's account and administration surface, showing projected monthly lifetime income as it updates with trust returns and the mortality experience of the member's tontine class.

Tontine Trust Fund

An irrevocable trust that pools members with similar life expectancies into a "Tontine Class." On a member's death, their remaining trust balance is redistributed among surviving class members rather than passing to heirs.

Family Trust Fund

A multi-member variant of the Trust Fund that lets a member add a spouse and children to one fund, removing individual contribution limits and letting the member designate who controls the fund afterward.

Asset-Specific Tontines

Trust products that pair the tontine mechanic with a specific underlying asset instead of a diversified portfolio, including gold-backed, silver-backed, and Bitcoin-backed variants; the gold-backed product launched in July 2026.

TontineIRA

A US individual retirement account, not yet released, that combines standard IRA tax treatment with the tontine income mechanic. The initial funding option is FDIC-insured bank certificates of deposit, with standard IRS contribution limits applying.