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  • Tontines

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      Introduction to Tontines

      Start here if you are new to Tontines & longevity pooling

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      About Tontine Trust

      Find out more about who we are, how we got started and the mission we are on

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      Research & Whitepapers

      Read the latest academic papers and research advocating for more Tontines

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      Tontines in the News

      Read the latest news on Tontine Trust and the Tontine renaissance

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      Videos & Interviews

      Sit back and watch what the world says about Tontines

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      NEW

      Download the Apps

      Download the Tontine App and manage your lifetime income from your mobile or tablet.

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      The Tontiner Blog

      Lifestyle tips for Tontiners that want to Live Long & Prosper®

  • Trust Funds

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      What is a Tontine Trust Fund?

      Build your personalised passive income strategy and start enjoying monthly payouts from any age.

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      Visualise your Potential Payouts

      See why longevity pooling compares favourably to standard wealth management strategies

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      Gold Tontines

      Lifetime Income Trusts backed by physical Gold, the world’s reserve asset

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      Tontine BOLD

      A Lifetime Income Trust backed by Bitcoin and Gold

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      Bitcoin Tontines

      Lifetime Incomes backed by the worlds favorite digital asset

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      Islamic Tontines

      Naturally shariah compliant lifetime incomes based upon ethical risk sharing principles.

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      Silver Tontines

      Lifetime Income Trusts backed by physical Silver

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      Trust Funds for Children

      Give your children an inheritance that will last a lifetime

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      Enjoy Zero Setup Costs & Low Fees

      Start growing your Tontine Trust Fund now with zero setup costs.

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      NEW

      Local Payment methods in over 40 countries

      Fund your trust with low-cost local bank transfers through our global partner network

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      NEW

      Flexible Distribution Profiles

      See how to adjust your payouts to balance what you need right now versus later

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      Receive a Free Tontine Card

      Forget about a bank account, spend your income from your free Tontine Card

  • Pensions

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      The TontineIRA®

      Transfer a standard IRA/401k to a lifetime income IRA with added longevity pooling

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      Tontine Trust Pensions

      Switch to a pension that that offers a steady income that will last as long as you do

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      Solutions for Pension Providers

      Our Tontines-as-a-Service platform enables you to add longevity pooling returns to your standard pension products

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      For Banks, Credit Unions & Trusts

      Offer a lifetime income banking product that supports clients for years

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      Associations

      Best in class pensions for your members

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      Coming soon

      National Tontine Pensions

      Offer lifetime social security for citizens without relying on government guarantees

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      Islamic Pensions

      Award-winning naturally shariah compliant pensions for the muslim world.

  • FAQs

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Referral Programme Details


Referral Programme – Terms & Conditions

1. Eligibility


The referral programme is open to individuals who introduce third parties to the fiduciary services of Tontine Trust Europe KB ("Tontine Trust").

2. Qualifying Referral

Referral Fee Eligibility

A referral fee is payable only where a referred individual:

  • Establishes an individual trust using a valid referral code; and
  • Establishes and maintains a trust relationship in accordance with the Trustee’s operational and administrative requirements within the applicable 90 day qualification period..

Where a trust is established with initial funding below USD 50,000, including trusts intended to be funded gradually over time, the Trustee may, at its discretion, accept and administer such trusts; however
referral fees will only be payable in respect of trust relationships that are established and maintained in accordance with the Trustee’s operational and administrative requirements within the applicable qualification period.

Referral fees are:

  • A one-time, flat fee
  • Paid for introduction only
  • Not based on asset value, funding schedule, or outcomes
  • Not determined by contribution amounts, asset levels, or account size
  • Not payable retroactively unless expressly stated

3. Funding Method Clarification

Funding a trust through:

  • One off contributions
  • Gradual/periodic funding over time

Does not affect the nature of the trust or the services provided.

Referral fee eligibility is determined solely by whether a trust relationship is established and maintained in accordance with the Trustee’s operational and administrative requirements.

4. No Obligation or Expectation

Establishing a trust with an intention to fund gradually:

  • Does not create any obligation to reach the minimum corpus
  • Does not constitute an investment commitment
  • Does not guarantee referral fee eligibility

Tontine Trust makes no representation that a trust will reach any particular funding level.

5. Referral Fee

  • A flat fee of USD 250 is payable each to:
    • The referrer
    • The referred individual
  • Fees are paid for introduction only
  • Fees are not dependent on trust value, asset performance, or outcomes and no additional fees are payable based on the size or level of assets within any trust

6. No Advice or Authority

Referrers:

  • Do not provide legal, tax, or investment advice
  • Do not negotiate trust terms
  • Do not recommend assets or strategies
  • Do not act as fiduciaries or agents

7. Compliance Obligations

Referrers must not:

  • Describe trusts as investments
  • Discuss returns, yield, or appreciation
  • Suggest asset types or strategies
  • Imply regulatory, tax, or legal avoidance

Violation may result in termination from the programme.

8. Right to Refuse or Terminate

Tontine Trust reserves the right to:

  • Refuse any referral
  • Amend or terminate the programme at any time
  • Withhold referral fees for non-compliant activity
  • Decline to establish, or discontinue, trust relationships that do not meet operational or administrative requirements

Referral Programme – FAQs

You are referring them to fiduciary and administrative trust services, not investments.

Did you find this answer helpful?

No.
A trust is a legal and administrative structure, not an investment product.

Did you find this answer helpful?

This is an administrative requirement to establish and maintain a trust.
It is not an investment minimum.

Trusts established with lower amounts may be accepted at the discretion of the Trustee; however, referral rewards are only available in respect of trust relationships that are established and maintained in accordance with the Trustee’s operational and administrative requirements.

Did you find this answer helpful?

No.
Neither referrers nor the trust company provide investment advice or recommend assets.

Did you find this answer helpful?

If your friend establishes a qualifying trust using your referral code and the trust remains in effect in accordance with the Trustee’s operational and administrative requirements:

  • You receive USD 250
  • Your friend receives USD 250

This is a one-time, flat referral fee.

Did you find this answer helpful?

No.

You should not discuss assets, strategies, or returns.

Did you find this answer helpful?

Yes—when handled correctly.
The programme is designed to comply with applicable consumer-protection and advertising rules.

Did you find this answer helpful?

Simply explain:

  • What the trust company does
  • That you receive a referral fee
  • That you are not giving advice

The trust company will handle everything else.

Did you find this answer helpful?

Unless agreed otherwise with Tontine Trust, rewards for qualifying trust relationships are paid within 10 business days of the end of each quarter.

Did you find this answer helpful?

  • Register an account on the Tontine platform or using one of the mobile apps.
  • Go to the Rewards section and customise your referral/invitation code which must be exactly 6 characters.
  • Copy and past your code or use the sharing links provided in the app.

Did you find this answer helpful?

The safest approach is simple:

  • Describe services, not outcomes
  • Disclose the referral fee
  • Do not discuss investments
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Terms & Conditions

Privacy Policy

Legal & Regulatory

For Banks

For Regulators

References to ‘tontine’ on this site describe the longevity-risk sharing mechanism used to adjust trust distributions; distributions are made by the trustee in accordance with the trust terms.

Tontine Trust Europe KB (“Tontine Trustees” or the "Trustee") is a Swedish authorised trust management company. We provide fiduciary trust services, including the establishment and administration of irrevocable trusts and the management of trust assets, in accordance with applicable trust laws.

We establish irrevocable lifetime Tontine trusts for clients worldwide, except where restricted by local law.

Our fintech platform enables individuals to establish an individual Tontine Trust Fund efficiently and securely. The patented platform supports trust administration, asset selection, distribution modelling in accordance with predefined trust terms and applicable fiduciary duties.

Information provided on this website or through our platforms is general information only and does not constitute personal financial, investment, legal, or tax advice. You should seek independent professional advice before making decisions.

The selection of assets held within a Tontine Trust Fund is the responsibility of the member. Tontine Trustees is not responsible for outcomes resulting from a member’s asset preferences, except to the extent required by our fiduciary duties in administering the trust.

Trust assets are subject to market risk, and losses — including loss of principal — are possible.

Any illustrations or examples of lifetime distributions shown on this website or in related materials are indicative only.
Distributions from a Tontine Trust Fund are not fixed or guaranteed and may increase or decrease over time based on factors including asset performance, longevity assumptions, and the survival experience of members within the same tontine class.

Distribution estimates are generated using probabilistic and financial models that are regularly reviewed and adjusted to reflect changing conditions. Estimates are for illustrative purposes only and are not predictions or guarantees.

Redistribution on Death

When a Tontine Trust member dies, any leftover trust balance is redistributed among the surviving members of the same Tontine Class, in accordance with predefined trust rules governing survivorship-based allocation of beneficial interests. As a result, no trust balance remains for inheritance by spouses, children, other beneficiaries, or creditors.

Members who wish to provide separately for family members should consider establishing and funding separate trusts for those individuals.