A New Era of Trust in Lifetime Income & Pensions
For millions of savers and retirees, the fear of running out of money looms larger than ever. Traditional pensions and annuities often come with high fees & complex terms but a new problem has emerged in recent years: uncertainty about whether your savings are truly secure.
Tontine Trust is changing that with our groundbreaking Proof of Reserves system—a transparent, real-time approach to showing that your lifetime income is fully backed by real assets. This innovation sets a new standard for trust in the lifetime income and pensions industry and here’s why it should become the norm across the board.
What is Proof of Reserves?
Proof of Reserves is Tontine Trust’s commitment to full transparency. It’s a system that allows members to verify, at any time, that the assets backing their lifetime income trusts & pensions are being held exclusively for their benefit. Unlike traditional pension providers, where your money might be tangled in opaque investments or insurer balance sheets, Tontine Trust uses state-of-the-art technology to provide:
- Real-Time Balance Verification: Members can see that their trust funds & pensions are backed by high credibility investments like global index funds, money market funds, gold deposits and Bitcoin. Not only can members see their balances though, they can see every transaction on their account in terms of deposits, withdrawals and fees with all transactions being recorded to distributed ledgers in real time.
- Blockchain-Enabled Transparency: Our platform leverages distributed ledger technology to create an immutable record of reserves, ensuring no one can tamper with the truth.
This approach addresses the #1 fear in retirement—running out of money—by proving that your income is backed by a sufficient level of hard assets, giving you comfort that there is enough to maintain, and likely enhance, your lifestyle no matter how long you live.
Why Proof of Reserves Builds Unprecedented Trust
The pensions & insurance industry has long struggled with a trust deficit. High-profile scandals, hidden fees, and underfunded plans have left savers wary. Tontine Trust’s Proof of Reserves tackles these issues head-on:
- Eliminates Opacity: Traditional providers often hide behind complex contracts or proprietary investment strategies. Proof of Reserves lays everything bare, empowering you to see exactly where your money is invested and custodied.
- Reduces Risk: By holding assets in trust and managing the risk profile of investments, we help you minimize exposure to market volatility or provider insolvency. This stands in stark contrast to many annuities, which rely on the provider’s financial health.
- Aligns with Retiree Needs: Our research shows that over 70% of savers want a lifetime income they can trust. Proof of Reserves delivers peace of mind, letting you focus on enjoying retirement.
This isn’t just a feature—it’s a revolution in how trust & pension providers earn your trust.
Why the Industry Must Adopt Proof of Reserves
Tontine Trust’s Proof of Reserves isn’t just good for our members; it’s a blueprint for the entire trust and pensions industry. Here’s why every provider should follow suit:
- Restores Consumer Confidence: In an era where 60% of baby boomers fear outliving their savings more than death, transparency is non-negotiable. Proof of Reserves rebuilds faith in long term savings products.
- Meets Regulatory Trends: The OECD’s Legal Instrument 0467 pushes for lifetime income solutions like tontines. Transparent reserve systems align with this global shift toward saver-focused pensions.
- Drives Innovation: By leveraging technology like blockchain, the industry can reduce costs and pass savings to retirees, making lifetime income more affordable for the 150 million+ savers retiring across OECD countries.
Adopting Proof of Reserves would signal a commitment to putting retirees first, transforming an industry too often seen as profiting from savers rather than with them.
The Tontine Trust Difference
At Tontine Trust, we’re not just offering trusts & pensions—we are redefining the long term savings & retirement landscapes. Our Proof of Reserves system, combined with our low-fee, tech-driven platform, ensures your savings are safe, sustainable, and simple to understand. As we prepare to launch in 34 countries by 2026, we’re inviting the pensions industry to join us in raising the bar.
Ready to retire with confidence? Learn more about Tontine Trust’s lifetime income solutions and how Proof of Reserves protects your future. Pre-register today to find out more!
