Revolutionizing Retirement Rollovers
Learn how TrustRails is transforming the $7.8 trillion annual rollover market with checkless transfers and smart contract technology.
Our Mission
To eliminate the "paper problem" that has plagued retirement rollovers for decades. We're transforming a process that currently satisfies only 47% of participants into one that delights everyone involved.
By replacing paper checks and manual processing with instant smart contract transfers, we're saving participants up to $76,000 in lifetime returns while cutting custodian costs by 90%.
Our Vision
A future where retirement savings move as easily as sending an email. Where AI agents can execute complex rollover strategies instantly. Where "money in limbo" is a phrase from the past.
We envision every custodian offering 4-hour transfers as the standard, not the exception, making retirement savings truly portable in the digital age.
How TrustRails is Different
We didn't just digitize the old process - we reimagined it from the ground up.
Traditional Process
- ❌Paper checks mailed between custodians
- ❌2-4 week processing times
- ❌No visibility during transfer
- ❌$100-500 cost per failed transaction
- ❌Manual exception handling
- ❌Cannot be automated by AI agents
- ❌47% participant satisfaction rate
TrustRails Process
- ✅Checkless smart contract transfers
- ✅4-hour completion time
- ✅Real-time status tracking
- ✅90% reduction in failure costs
- ✅Fully automated processing
- ✅AI agent compatible APIs
- ✅95%+ participant satisfaction
Speed
From weeks to hours - 100x faster transfers
Security
Blockchain-verified atomic transactions
Automation
API-first design
Why The Industry Needs This Now
The Custodian Crisis
- Average of 12% of transfers fail, costing $100-500 each
- Customer service overwhelmed with "where's my money?" calls
- Compliance teams struggling with manual audit trails
- Lost AUM from frustrated customers switching providers
- Inability to serve AI-powered financial advisors
The Participant Problem
- Only 47% satisfaction with current rollover process
- $76,000 in lost lifetime returns due to delays
- "Money in limbo" anxiety during 2-4 week transfers
- Complex paperwork deterring rollovers entirely
- No visibility into transfer status or timeline
The Market is Transforming
Custodians who don't modernize will lose to those who do. The question isn't if, but when.
Frequently Asked Questions
Everything you need to know about implementing TrustRails