Category: Cryptocurrency | Finance | Platform


Tontine Trust to disrupt the $36 trillion pensions market with fully-regulated peer-to-peer tontines

Forbes recently described Tontine Trust as "Fintech's Answer To The Global Retirement Crisis (with ) the multi-trillion-dollar global retirement income market in their sights." The TontineTrust solution is a blockchain based version of a tontine which is the most popular financial product in the history of the world and will be offered globally as an immutable alternative to unpredictable governmental & corporate pensions as well as overly expensive insurance based products such as life annuities. This means that low cost Tontine Pensions on the blockchain can offer BETTER retirement incomes to consumers in stable countries and can offer BETTER AND SAFER retirement income solutions to consumers in less stable countries. The patent-pending Artificial Intelligence “Robo-Actuary” powered Platform will manage the investment of members capital in conservative low-cost passive investment strategies fully backed by major global index funds as well as physical gold held at the Royal Mint in Britain. Tontine Trust has a heavyweight team & advisory board which are motivated to ensure that 100% of the platform economics are derived through the TON Tokens which only reach their maximum available supply when TontineTrust reaches $1 TRILLION in Assets Under Management. Tontine Members and TON Holders are eligible to receive receive a TON Card debit card which is expected to be accepted at over 40 million merchants and ATMs worldwide. The coming pension crisis will be far harder on consumers than even the 2008 crisis which will drive hundreds of millions of savers per year to alternative solutions which could result in TontineTrust becoming the “Vanguard” of the retirement funding industry within a decade.


  • 2017 February
    Concept Development with a view to solving a major, growing global problem on the blockchain; Robo-Actuary Concept
  • 2017 May
    Tokenomics refined to generate network effects; Team Expansion Commences
  • 2017 August
    Website Launch; Incorporated in Gibraltar; Regulatory Analysis; Robo-Actuary Prototyped
  • 2017 December
    Patent Filed; Release Whitepaper; Strategic Partnership Development commences
  • 2018 March
    Team Expansion; Platform Development; Token Pre-Sale; SAFT Pre-Sale
  • 2018 April
    Public Token Sale; SAFT Main-Sale; Continued Platform Development
  • 2018 September
    Regulatory Permissions; Continued Strategic Partnership Development
  • 2018 November
    1st Tontines Launched; Biometrics & TonCard; Expansive Global Marketing Program begins


Board of directors

Dean McClelland
Chief Operating Officer
Chief Financial & Risk Officer


Jon Matonis
Chairman, Strategic Adviser
Joerg Platzer
Board Member, Strategic Adviser
Leanna Wright
FinTech (eMoney & Banking) Entrepreneur, Angel Investor
Marcus Fuchs
Fund Manager acting as Expert Adviser
Eamon Bermingham
Pensions Investment Director acting as Expert Adviser
Long term Director of Man United F.C., Angel Investor, VC, Businessman & Philanthropist


Richard K. Fullmer CFA
Chief Investment Officer
Dr Michael J Neish PhD
Quant / Programmer responsible for Product Engineering & Payout Trajectory Optimisation
Marcin Zduniak
Lead Developer Blockchain, Fintech Integrations
Max Haran Doyle
Digital Strategy & Project Manager
Nedda Kaltcheva
Technical Architect Govt. Scale Systems

Financial distribution

10% Administration
20% Development
20% Licensing
50% Marketing


The 20 largest OECD countries have a combined public pension deficit of $78 Trillion. With over 44% of men and 55% of women now expected to live into their 90s this means that most consumers will outlive their private savings by 5 years and many by at least 10 years. Current retirement income products such as life annuities are unpopular due to low returns mostly caused by the high costs charged by Insurers which act as centralized “guarantors". We propose a solution to the costly centralised guarantor problem by creating peer-to-peer tontine structures administered by an unbiased, mathematically robust smart-actuary. Tontines are a 300 year old financial innovation which successfully financed many European countries & states as well as numerous private projects such as roads, bridges and hotels. They make periodic payouts shared amongst their members for as long as they live. In later years, as the number of surviving members declines, the payout per-member rises, often dramatically.


TontineTrust Limited

506 World Trade Center