Theya
Bitcoin Only
Established Est. 2022
United States
21Rates Quality Score: 5.7/10
Theya is a Bitcoin-only self-custody platform built for simplicity and sovereignty. It offers single-sig and 2-of-3 multisig vault options that let individuals and businesses secure their Bitcoin without trusting a third party. The platform is designed for non-technical users who want institutional-grade security — including inheritance planning and collaborative key management — without the complexity of traditional multisig setups. Theya supports mobile and desktop access with guided setup flows.
Custody Model
ModelSelf Custody,Collaborative Custody
LicensesNot applicable (non-custodial service)
RegulatorySelf-custody — user responsible
JurisdictionUnited States
Fees & Minimums
Fee StructureFree starter plan (singlesig). Premium: $10/mo (2-of-3 multisig). Sovereign: $25/mo (full sovereignty).
WithdrawalsNone (user-controlled)
Security
Cold Storage100% cold storage (user-controlled keys)
InsuranceNo custodial insurance (self-custody multisig model — user holds keys)
Proof of Reserves No
Asset SegregationYes (user holds own keys)
AuditsRegular security audits
Features
API Access Not available
Mobile App Yes
Hardware Wallet Not supported
Institutional Available
Integrated Trading Yes
AssetsBTC only
Frequently Asked Questions About Theya
Theya's qualified custodian status is listed as "false". Confirm directly with Theya about their regulatory status before entrusting assets.
Theya carries the following insurance coverage: No custodial insurance (self-custody multisig model — user holds keys). Always confirm specific coverage terms, limits, and exclusions directly with Theya before depositing assets.
Theya stores 100% cold storage (user-controlled keys) of assets in cold storage (offline). Cold storage protects against remote hacking by keeping private keys disconnected from the internet.
Theya's fee structure: Free starter plan (singlesig). Premium: $10/mo (2-of-3 multisig). Sovereign: $25/mo (full sovereignty).. Custody fees are typically charged as an annual basis-point fee on assets under custody or a flat monthly fee.
Theya does not publicly list a minimum balance. Contact them directly for requirements based on your institution type and asset size.
About this analysis
21Rates Editorial TeamBitcoin Financial Research Analysts
Our research team analyses Bitcoin custody providers using proprietary quality scoring, regulatory research, and user reviews. We independently verify custody terms and maintain up-to-date information to help you make informed decisions.
Last verified: August 2026