Tontine Trust

The financial system is becoming programmable.

Funds are becoming tokenised.

Securities are becoming tokenised.

Payments are becoming programmable.

Yet one of the world's largest financial markets—retirement—still relies on infrastructure designed decades before the internet.

Today we're excited to announce that Tontine Trust, the global pioneer of modern longevity risk-sharing pensions and lifetime income trusts, has integrated Borderless.xyz to power global global pensions infrastructure.

This isn't simply another payments integration.

It's a demonstration of how modern payment infrastructure enables entirely new financial products.

Retirement is one of the world's largest financial markets

The OECD's 38 member countries represent approximately 1.4 billion people and collectively manage more than US$61.5 trillion in pension assets.

Through OECD Legal Instrument 0467, governments are transitioning toward lifetime income pensions by default while, for the first time, recommending tontine-style asset-backed longevity risk-sharing arrangements alongside traditional annuities.

That policy shift alone creates demand for an entirely new generation of retirement infrastructure.

But as financial markets become increasingly digital - with tokenised funds, digital securities and programmable settlement—these new retirement platforms must also be built to operate natively within this emerging financial ecosystem.

That's exactly what this collaboration demonstrates. 

Global people need global retirement infrastructure

People increasingly live internationally.

They retire in different countries from where they worked.

Many continue working remotely long after traditional retirement age.

But retirement infrastructure hasn't kept pace.

Historically, accepting and delivering pensions payments across borders meant expensive international wires, fragmented banking relationships and operational complexity that made many global retirement solutions commercially impractical.

By adding Borderless.xyz's global payment infrastructure network to the Tontine Trust platform, eligible savers can access the same globally scalable retirement infrastructure from their home country without the traditional complexity of international banking.

For retirees, lifetime income is often the most important payment they receive.

Near-instant settlement gives beneficiaries greater confidence that payments have been sent, settled and are available when expected, rather than waiting days for international transfers to clear.

A new technology stack for retirement

At Borderless, we often talk about stablecoin payment infrastructure enabling new financial products.

Tontine Trust is a perfect example.

Their platform combines three technologies that together point toward the future of retirement infrastructure.

Continuous Biometric Proof of Life

Beneficiaries are securely verified before lifetime income is calculated.

Institutional Digital Asset Custody and Proof of Reserves

Supported reserve assets can be independently verified using institutional digital asset infrastructure.

Global Programmable Settlement

Pension payments can be accepted and distributed globally through a single API connected to a network of 15+ licensed payment providers across 95+ countries. . 

Together, these technologies enable retirement platforms to verify beneficiaries, verify supported reserve assets and distribute lifetime income globally using infrastructure built for the digital financial system.

Why this matters

Borderless's global payment infrastructure isn't just changing how money moves.

It's changing which financial products can exist.

Modern retirement systems increasingly need to interoperate with tokenised funds, digital securities, digital custodians and globally programmable settlement.

Payments are no longer the final step.

They're becoming part of the infrastructure that makes globally scalable financial products possible.

Looking ahead

Tontine Trust has developed what it believes is one of the world's most technologically advanced retirement platforms, combining biometric identity, institutional custody, independently verifiable reserve assets and globally programmable payment infrastructure.

Its Tontines-as-a-Service (TaaS) platform enables financial institutions, pension providers and governments to deploy modern longevity risk-sharing pensions and lifetime income trusts through D2C, B2B2C and B2G2C operating models.

Tontine Trust Funds are already available to eligible members in more than 50 countries, with TontineIRA®, expected to become  America’s first longevity risk-sharing Individual Retirement Account, scheduled to launch in the United States in 2026.

For Borderless, this collaboration demonstrates something bigger than retirement.

It shows how programmable global payments are becoming a foundational layer of the digital financial system.

As more financial assets become digitally native, globally programmable settlement will increasingly determine not just how money moves, but which financial products become possible.

We believe the global retirement sector is one of the next major markets to benefit.