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"Sunlight is the best disinfectant"

Louis Brandeis - Supreme Court of the United States

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Radical Transparency via Stacks Blockchain

Stacks is a next generation blockchain that enables developers to build decentralized applications as well as store data on the most secure public ledger in the world, the Bitcoin blockchain.

The Stacks blockchain enables Tontine Trust to fulfill its commitment to become the first member of the global retirement industry to provide a permanent public record of the real world source data upon which our patented robo-actuary ‘Tontinator’ calculates all of the forecasts, payouts and redistributions associated with the operation of our platform.

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Life Expectancy data by the Human Mortality Database

The Human Mortality Database (HMD) is a collaboration between the Max Planck Institute for Demographic Research (Germany), the University of California, Berkeley (USA) and the French Institute for Demographic Studies (France).
The HMD provides detailed high-quality harmonized mortality, life expectancy and population estimates and is considered the world´s leading scientific data resource on mortality in developed countries.
By utilizing independent data, we ensure that our our payout forecasts remain wedded to reality.
This stands in stark contrast to others in the industry that utilise 'internal life expectancy models' the private nature of which open up possibilities where those providers could theoretically manipulate annuity pricing or give a distorted view of their financial strength.

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Inflation forecasts by Truflation

Truflation is a provider of unbiased global inflation data to enable better decision-making.

Their system uses 10 million data points and updates it’s indices daily, offering more comprehensive and up-to-date information compared to traditional inflation indices which are updated monthly.

Truflation’s data is published to their blockchain to provide a secure, immutable source of truth.

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Working with the Transparency Taskforce

Founded in 2015 by Andy Agathangelou, the ‘TTF’ is a collaborative global campaigning community dedicated to driving up the levels of transparency in financial services and to rid the financial industry of its short term profit mindset.

On the back of several successful campaigns, in 2020 TTF was appointed as the Secretariat of the United Kingdom’s All Party Parliamentary Group on Pensions Scams.

We are proud to support the work of the TTF and are honoured to have been the first, and so far only, retirement income firm to receive their Transparency Award.

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