Bitcoiners seeking to earn more sats often turn to lending, but any yield comes from taking borrower risk. You're trusting a stranger to return your bitcoin and history has shown that this is not without risk.

TontinesTontines are one of the world’s oldest and most enduring wealth management strategies, using longevity risk pooling to generate gains beyond traditional asset performance alone.
Tontines provide lifetime monthly distributions to members for as long as they remain alive.


When members pass away, their unused assets stay within the tontine and are redistributed among surviving members, enhancing future distributions over time.

While this concept may seem novel at first glance, tontines have been widely used by mainstream savers for centuries for a simple reason:

by pooling longevity risk, tontines enable members to sustain a higher standard of living throughout their lifetime than would typically be possible if they held the same assets outside of a tontine. enable you to earn more bitcoin by pooling longevity riskLongevity risk is the risk that you live so long that your savings run out. Research shows that between 60-70% of savers at, or near, retirement fear running out of money in old age more than dying..

As members of your tontine classA Tontine class is a category that tontine members are assigned to by the tontine trustees for the purpose of sharing their risk of living longer.

The trustees assign each member to these categories typically based upon similar life expectancies, sex and demographics.

When a member of a class passes away, whatever funds are leftover in their trust will be shared amongst the surviving members of the same class using our patented algorithms which are designed to ensure absolute fairness. away and no longer need their payouts, their leftover bitcoin is redistributed within the class, boosting the balances of the survivors.

This bitcoin return requires no leverage and no borrowers—just the sharing of longevity risk among the tontine members.