A system and method of operating a peer-to-peer retirement savings system (Tontine System) providing lifetime incomes and longevity insurance in a more efficient manner than traditional systems and which can remain always-fully-funded due to ongoing automatic correction of the input data risk (such as longevity projections, mortality detection, investment return rates, etc) and wherein the system can be trusted more than traditional systems helped by the fact that the characteristics (but not necessarily the identities) of the Tontine System members (Tontine Members) and the underlying asset ledgers and other transaction ledgers (as well as the logic by which executable operations can be triggered) can be made publicly visible in a secured and immutable system so as to allow independent analysts and other interested parties to audit past & projected returns.
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