Loading organizations...
Micruity is a technology company.
Micruity provides a platform acting as a central clearinghouse for securely aggregating annuity data. It builds infrastructure connecting diverse stakeholders with streamlined lifetime income products for secure retirements. Their technology, including MARS and an API suite, delivers end-to-end, open-architecture solutions for institutional lifetime income, underpinned by SOC 2 security.
Co-founded by Trevor Gary and Chris Livadas around 2018-2019, Micruity emerged from the need to transform 401(k) balances into reliable retirement income. The founders recognized a lack of interconnectivity and fragmented data across financial systems impeded efficient annuity deployment. Their insight drove the creation of a unified data infrastructure for this complex ecosystem.
Micruity's platform serves financial institutions, recordkeepers, and insurers to efficiently manage lifetime income solutions. It integrates diverse retirement income products, supporting accumulation and payout aggregation. The company envisions closing the retirement savings gap by making lifetime income products universally accessible via its secure data infrastructure.
Micruity has raised $30.0M across 3 funding rounds.
Micruity has raised $30.0M in total across 3 funding rounds.
Micruity has raised $30.0M in total across 3 funding rounds.
Micruity's investors include Cathy Marasco, Josh Tanenbaum, Allianz Life Ventures, Collab Capital, Guardian Life, J.P. Morgan, Pacific Life, Prudential Financial, Reinsurance Group of America, SixThirty, State Street Global Advisors, TIAA Ventures.
Micruity is a financial technology infrastructure company headquartered in Toronto, Canada, focused on improving retirement income security by enabling seamless data sharing among insurers, asset managers, record keepers, and plan sponsors[1][2][3]. Its core product, the Micruity Advanced Routing System (MARS™), acts as a single secure platform—a central clearing house—for communicating, verifying, and aggregating annuity-related data, supporting lifetime income solutions like allocated/unallocated products, retirement/termination elections, plan/participant portability, and payout aggregation[1][3]. This lowers administrative burdens for plan sponsors, allowing them to convert retirement savings plans into income plans at scale, serving the retirement planning sector with end-to-end infrastructure for institutional lifetime income products[1][2][3]. Micruity has raised $10.1M in total funding, including a $5M recent round, and operates with under 25 employees while maintaining SOC 2 compliance for secure connectivity[1][3].
Founded in 2017 in Toronto, Ontario, Micruity emerged to address fragmentation in retirement income solutions, providing data communication and integration for lifetime income products within 401(k)s and similar plans[2]. Key co-founders include Trevor Gary (Co-Founder, CEO) and Chris Livadas (Co-Founder, Head of Security, Compliance, and Innovation), leading a team with decades of combined expertise in plan design, income product development, and financial technology[3][4]. Early recognition came in 2019 as one of five ‘Startups to Watch’ by InsurTech North for its cutting-edge tech enabling pension-like products via multiple insurers and asset managers without funding obligations[5]. The company has since scaled with a $20M Series A led by Great North Ventures to modernize retirement income infrastructure, building on initial traction in wealth tech and insurtech[2][6].
Micruity rides the wealth tech and insurtech trends, digitizing retirement income delivery amid a shift toward lifetime income solutions in 401(k)s for over 100 million Americans facing longevity risk[2][6]. Timing aligns with regulatory pushes for secure retirement planning and rising demand for pension-like guarantees without employer funding burdens, fueled by market forces like aging populations and low interest rates favoring annuities[1][5]. By creating data rails for fragmented ecosystems, Micruity influences the broader landscape, enabling scalable integration that competitors like Recreo, ASC Trust, and IPX Retirement address less comprehensively, positioning it as key infrastructure for pensionizing retirement income[2][3].
Micruity is poised to expand its platform as lifetime income products gain traction in defined contribution plans, leveraging its recent $20M Series A for API enhancements and partnerships[6]. Trends like AI-driven personalization in wealth management and regulatory mandates for retirement security will accelerate adoption, potentially growing its network amid insurtech consolidation[2][5]. Its influence may evolve from niche connector to standard infrastructure, powering mass-market annuity aggregation and boosting retirement outcomes—reinforcing its mission to make secure income accessible for all[3][4].
Micruity has raised $30.0M across 3 funding rounds. Most recently, it raised $20.0M Series A in December 2025.
| Date | Round | Lead Investors | Other Investors |
|---|---|---|---|
| Dec 4, 2025 | $20.0M Series A | Cathy Marasco, Josh Tanenbaum | Allianz Life Ventures, Collab Capital, Guardian Life, J.P. Morgan, Pacific Life, Prudential Financial, Reinsurance Group of America, SixThirty, State Street Global Advisors, TIAA Ventures, Western & Southern Financial Group |
| Jun 25, 2024 | $5.0M Other Equity | Ann (Anju) Nanda, Brendan Curran, Karen Neeley, Wayne Baker, James Vance | |
| Feb 1, 2022 | $5.0M Seed | SixThirty | Joe Boerio, Matt Gray, Alpine Meridian Ventures, Altari Ventures, Great North Ventures, Abhinav Dendukuri, James Vance |