TontineTrust TontineTrust


TontineTrust is proposing a solution to the current global pension funding crisis Current centralised pension products such as life annuities deliver low returns mostly caused by the high costs charged by Insurers which act as centralized “guarantors". TontineTrust is developing a platform which solves the costly central guarantor problem by creating peer-to-peer tontine structures administered by an unbiased, mathematically robust smart-actuary. Our Fully Regulated peer-to-peer tontine issuing ecosystem will deliver: 40%+ greater financial benefits to the hundreds of millions of global consumers spending ~$350BN per year on retirement income solutions, a utility token which incentivizes IFAs, RIAs & Independent Partners & Advisors to take our no-load tontines to the global marketplace, and an un-biased, self-correcting, autonomous smart-actuary which can be trusted to act to in the best interest of the tontine members.
Token Sale & SAFT offering
Feb 15, 2018 — Mar 15, 2018
Jan 15, 2018 — Feb 15, 2018
  • From Feb 18, 2018 Till Mar 19, 2018 —
    1 TON
    1 GBP 1GBP = $1.5461684071092
Tontine Trust Limited announces the development of a pioneering peer-to-peer longevity risk-sharing platform. Current centralised pension products offer unattractive returns owing to low bond yields and the high cost structures. Tontine Trust aims to dramatically change the world of retirement with the launch of a fully-regulated distributed ledger platform that solves the costly central guarantor problem by creating peer-to-peer tontine structures administered by an unbiased smart-actuary.   The tontines are designed as no-load, low-fee products that can save members an estimated 30% of their capital in setup costs. This new design offers an expected 40%+ higher payout than an equivalent annuity product. Furthermore, by using advanced technologies such as cryptography and biometric authentication, the tontines can be transparently administered on a public blockchain whilst still providing absolute privacy protection for members.   


Transparent: Math & Proof of Reserves ensures Solvency

The use of distributed ledger technologies enables Tontine Trust members, and even the public generally, to audit the progress & forecasts of the Tontines through publically exposing;

  • the location, composition and live value of underlying assets,

  • a record of all contributions from & distributions to each of the pseudonymous members,

  • a record of all fees charged,

  • the projected medium and long-term payouts that each member can expect.

It is our belief that such transparency is the only true guarantee that there is no double counting of assets, no hidden liabilities and that the Tontine, or indeed any financial product, is fully funded for all of the expected payouts.

Blockchain First Custodians

The security, visibility, and efficiency of holding the Tontine assets is absolutely critical.

The blockchain custodian will enable each Tontine’s underlying cash & investments to be held in a permissioned, distributed ledger of ownership & transaction records, simplifying the process of transaction matching, settlement, custody, corporate actions and transaction reporting.

The solution should also facilitate the immediate and riskless settlement of market transactions such as subscriptions or redemption of exchange traded index funds as well as forex trades.

The system will handle cross border, multi-currency settlements operating around the clock including the regular transfers to the TON$ Card accounts of Tontine members. Further details will be announced in due course.

Creating a Global Solution: A World of Tontine Flavours

Once the contracts of the Smart Actuary are audited and integrated with the custodian(s), issuing new Tontines denominated in different currencies and investing in different asset classes is relatively straightforward for different types of consumers.

Tontines for Traditional Investors

Mainstream consumers segmented into narrow age brackets will be able to join ETF Tontines which will invest predominantly in an ultra-diversified mix of the safest, most liquid funds in the world operated by some of the largest asset managers on the planet, for example, Blackrock ($5 Trillion in Assets Under Management), Vanguard ($4 Trillion), State Street ($2.4 Trillion) and others such as ICBC Credit Suisse.

In addition to better servicing the needs of mainstream consumers in developed markets, these types of ETF Tontines can provide a means of securing lifetime incomes for consumers in less developed markets as well as consumers in markets where there is significant exposure to political and/or financial system risks such as Venezuela or Zimbabwe.

CryptoTontines for CryptoCapitalists

A small but growing section of the global population has eschewed the FIAT economy and are now partly or wholly managing their financial affairs within the cryptoeconomy. This has even led to the development of Bitcoin IRAs and now Ethereum IRAs.

For such cryptocapitalists, other than the IRAs, there are few other financial products and no products that we are aware of which directly address with the longevity risk.

Crypto Tontines can address this problem by allowing such consumers, or the organisations they work with, to contribute towards retirement savings schemes denominated in Bitcoin or whole portfolios of cryptocurrencies. This will ensure that such consumers can put in place a secure crypto denominated lifetime income stream for when they are older.

Specialised Tontines

We have already seen interest from groups around developing specialised Tontines customised around certain asset categories or regional factors. We can anticipate that such interest will in time materialize into specialised Tontines such as:

  • Real Estate Tontines,
  • Gold Tontines,
  • Country Specific Tontines,
  • Organisational Pension Plan Tontines,
  • Community Tontines (typically targeted around funding the construction or protection of important community assets such as Hospitals etc). 
The TON$ Card Account   Tontine Members will receive monthly payouts to their eMoney accounts which can be used to:
  • Automatically or manually convert between currencies
  • Send payments to other accounts or recipients
  • Monitor Transactions on your TonCard Debit Card

Our Smart Actuary system constantly updates its records to determine an accurate projection of expected future payouts for all continuing members of the Tontine based upon:

  • Updated performance of the underlying investments versus expected performance
  • Updated member longevity projections versus past projections
  • Portfolio "glide path" adjustments  as the average member age increases





Technical Info

Technical details: Ethereum ERC20 standard token. The source code: The code is not available. Proof of developer: Public team.


  • QUARTER 2 2017

  • Tokenomics refined to generate network effects ✔ Team Expansion Commences
  • QUARTER 4 2017

  • IPR Protected Release Whitepaper SAFT & Token Sale
  • QUARTER 2 2018

  • 1st Crypto Tontine Launch Biometrics & TonCard Launch Commence Passporting Applications
  • Read More
  • QUARTER 4 2018

  • Strategic Partnerships Development Continues Regulatory Applications
  • QUARTER 1 2017

  • Concept Development with a view to solving a major, growing global problem on the blockchain Smart Actuary Concept
  • QUARTER 3 2017

  • Website Launch Incorporated in Gibraltar Meetings with Regulators TON$ Smart Contract
  • QUARTER 1 2018

  • Platform Development Home Market Regulatory Applications Finalised Team Expansion
  • QUARTER 3 2018

  • 1st ETF Tontine Launch Strategic Partnership Development Target Market Regulatory Applications


Sr. Member
1 312
841 427
-11 257 422


Verified 100%

CEO responsible for Product Development, Establish...
Actuarial Strategist, Asset Allocation Director
Quant / Programmer responsible for Product Enginee...
Lead Developer Blockchain, Fintech
Technical Architect Govt. Scale Systems


Verified 20%

Attention. There is a risk that unverified members are not actually members of the team

Chairman, Strategic Adviser Bitcoin & Blockchain,...
Board Member, Strategic Adviser BTC, Blockchain, T...
Ex-UBS advisor to the Russian State now Digital St...
Fund Manager M.D. CEE + MENA Region
International Pensions Investment Director acting...
Dean McClelland
As a team member, сan you tell us about your role in the project? What do you think about idea? Thank you!)
As a team member, сan you tell us about your role in the project? What do you think about idea? Thank you!)
Actuarial design and investment strategy
As a team member, сan you tell us about your role in the project? What do you think about idea? Thank you!)
Lead Tontine Engineer
As a team member, сan you tell us about your role in the project? What do you think about idea? Thank you!)
Blockchain architecture, software development
As a team member, сan you tell us about your role in the project? What do you think about idea? Thank you!)
Blockchain TA
As a team member, сan you tell us about your role in the project? What do you think about idea? Thank you!)
I am in charge of all our digital assets and marketing. I also work closely with the team pulling together the forthcoming token sale.

Personally I think the project is a great idea, Tontines were always successful in the past and in one guise or another still exist in some countries today but are not as popular as they should be due to security and privacy concerns. Blockchain provides the perfect solution to overcome these obstacles so I am excited to see what the future brings.


5.0 18
ICO Profile Vision Activity Potential Product Team

icobench 4.2

Data pending
The amount in USD is calculated at the closing date of the ICO
Goal: Cap: ICO: 15 Feb 2018 15 Mar 2018

Samson Owiti
Cryptotrader, Crypto investor, Blockchain business expert

TONTINE TRUST is a decentralized trust platform that helps member to gain annual benefits


  • Security: The platform enables the tontines members  to be locked in encrypted identity hence can’t  be easily accessed by the hackers and the public
  • Transparency : The payouts within the platform are only authorized  by the biometrically authenticated members
  • User friendly : The products  involved in the platform  are easy and simple to understand as compared  to the retirement products which are hard to understand
  • Lower cost: The operational cost  incurred in the platform are  very low as  there is no fee on the products hence eliminating hidden  and unexpected costs
  • Higher income: The  platform underlying payouts have higher projected returns making the it marketable and viable
  • The management team involved have  advance skills in the management and prosperity of different projects led by the CEO Dean  Mcclelland


  • The platform lacks elaborate whitepaper
  • The platform  token  pre-sale is not determined in the platform


  • The management team should  formulate a workable platform for easy explanation to the users
  • The token sale trend should be highlighted at the pre-sale
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Please read the disclaimer and risk warning. Show disclaimer and risk warning.