TrustRails Operates Rollover Architecture Mirroring IRS Proposal

FOR IMMEDIATE RELEASE

CHICAGO, IL – August 26, 2026 –

Trust-Rails, a leading innovator in financial technology, is pleased to announce its rollout of a two-phase settlement system that mirrors the IRS's proposed five-step electronic rollover procedure. This system, operational since spring 2026, addresses the cumbersome and outdated methods currently plaguing retirement plan rollovers by offering a fast, efficient, and secure digital solution.

The current retirement rollover process is fraught with delays due to reliance on paper checks and manual confirmations. Trust-Rails' new system revolutionizes this by utilizing a two-phase commit protocol, which coordinates directly between retirement plans, ensuring both parties are ready before any funds are transferred. This minimizes the transmission of sensitive personal data and enhances efficiency.

The Trust-Rails system boasts several key features, including dual confirmation before fund transfers, a unique identifier for secure communications, and an audit trail with encrypted data. These attributes ensure robust security and transparency throughout the process.

"It's rare to read IRS guidance and recognize your own system diagram. The Notice describes both plans confirming readiness before a dollar moves, a shared identifier so nobody is emailing Social Security numbers around, and an instruction not to transfer until told. We built exactly that discipline into Trust-Rails months earlier — the difference is that in our system, the rule isn't a sentence on a form. It's code that refuses to move money early," said Drew Stockler, Founder at Trust-Rails.

Trust-Rails offers this new architecture as both an API white-labeled option and a full UI workflow tool, catering to diverse operational needs. The system's alignment with IRS Notice 2026-49, which is still in the proposal stage, underscores Trust-Rails' proactive approach to regulatory compliance, even as it notes that the IRS's forms are optional and no safe harbor currently exists.

For more information on how Trust-Rails can streamline your retirement plan rollover process, visit https://trust-rails.com.

About Trust-Rails

TrustRails. The fast, automatic, secure, transfer (fast) platform for digital retirement rollovers.

Media Contact:

Drew Stockler

Founder

Email: drewstockler@trust-rails.com

Phone: 3124010078

LinkedIn: https://www.linkedin.com/company/trust-rails

###