Bitcoin Inheritance Services

Compare providers that help you pass Bitcoin to heirs securely. Multisig, timelocks, guardian services, and legal wrappers so your stack doesn't die with you.

14providers10multisig
Featured Provideri
Onramp BitcoinEst. 2022
Onramp Bitcoin's inheritance service offerings, primarily through their Onramp Heritage platform and Dynasty Trust Services, provide secure, multi-generational planning for Bitcoin assets.
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ProviderTypeMultisigTimelockGuardianFees
AnchorWatch logo
AnchorWatchEst. Est. 2022
Insured CustodyInsurance premiums…
AnchorWatch is a Bitcoin inheritance service using multisig key management and timelocked transactions, Bitcoin-only. Fees: Insurance premiums starting at 0.55% of insured holdings annually. Custody setup fee varies. Inheritance planning features included with insured custody accounts.
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Bitkey logo
BitkeyEst. Est. 2024
Self-Custody Wallet$150 one-time…
Bitkey is a Bitcoin inheritance service using multisig key management and timelocked transactions, Bitcoin-only. Fees: $150 one-time hardware purchase. No monthly or annual fees. Inheritance features included at no extra cost.
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Casa logo
CasaEst. Est. 2016
Inheritance SolutionFree: Basic mobile…
Casa is a Bitcoin inheritance service using multisig key management, Bitcoin-only. Fees: Free: Basic mobile wallet. Standard: $10/month or $100/year (use own hardware). Premium: $25/month or $250/year (5-key vault, inheritance, onboarding; noted as $2,100/year in some sources, possibly outdated or for annual billing). Private Client: Custom pricing for bespoke solutions.
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Meanwhile logo
MeanwhileEst. Est. 2021
Inheritance Solution, Life Insurance(BTC Based)Custom:…
Meanwhile is a Bitcoin inheritance service using multisig key management, Bitcoin-only.
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Nunchuk logo
NunchukEst. Est. 2020
Inheritance SolutionFree: Basic wallet…
Nunchuk is a Bitcoin inheritance service using multisig key management, timelocked transactions and guardian services, Bitcoin-only. Fees: Free: Basic wallet features. Iron Hand Plan: $120 annually (multi-sig, one-tap signing, cloud backup). Honey Badger Plan: $480 annually (multisig with built-in inheritance).
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Onramp Bitcoin logo
Onramp BitcoinEst. Est. 2022
Inheritance SolutionContact For Pricing
Onramp Bitcoin is a Bitcoin inheritance service using multisig key management, Bitcoin-only.
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River logo
RiverEst. Est. 2019
Inheritance SolutionBuy/Sell Fees:…
River is a Bitcoin inheritance service, Bitcoin-only. Fees: Buy/Sell Fees: Spread + percentage fee based on order size (starts at 1.2%). Recurring Buys: Zero fees. Bitcoin Interest on Cash: 3.8% interest on cash deposits, paid in Bitcoin (as of October 2024). Private Client: For buys over $100,000; custom support, fees apply.
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Swan Bitcoin logo
Swan BitcoinEst. Est. 2019
Collaborative CustodySwan Private…
Swan Bitcoin is a Bitcoin inheritance service using multisig key management, Bitcoin-only. Fees: Swan Private membership: from $4,000/yr (includes vault custody, tax-loss harvesting, and advisory). Swan Vault custody included with Private membership. No separate inheritance fee.
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TBA
The Bitcoin AdviserEst. Est. 2016
Consulting & Custody DesignConsultation:…
The Bitcoin Adviser is a Bitcoin inheritance service using multisig key management, Bitcoin-only. Fees: Consultation: $200-500/hr. Full inheritance plan setup: $2,000-5,000 depending on complexity. Includes custody architecture design, key ceremony, and documentation.
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Theya logo
TheyaEst. Est. 2022
Inheritance SolutionBasic: Free…
Theya is a Bitcoin inheritance service using multisig key management, Bitcoin-only.
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Trust & Will logo
Trust & WillEst. Est. 2017
Inheritance SolutionWill Plan: $199…
Trust & Will is a Bitcoin inheritance service. Fees: Will Plan: $199 for individuals, $299 for couples (includes will, HIPAA authorization, living will, power of attorney). Trust Plan: $499 for individuals, $599 for couples (includes trust documents, pour-over will, etc.). Annual Membership: +$19/year for updates. Attorney Support: +$300/year.
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Unchained logo
UnchainedEst. Est. 2016
Inheritance SolutionPersonal Vault:…
Unchained is a Bitcoin inheritance service using multisig key management, Bitcoin-only. Fees: Personal Vault: $250/year (first year free with certain conditions like IRA). Signature: $1,600/quarter (billed annually, prepaid). Business Vault: $2,000/year (billed annually). Trading: Minimum $2,000 trade size; fees not specified in detail. Loans: Interest-only payments; rates vary (e.g., estimates as of 6/13/2024).
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Vault12 logo
Vault12Est. Est. 2015
Guardian NetworkFree for basic…
Vault12 is a Bitcoin inheritance service using guardian services. Fees: Free for basic Guardian network (up to 3 Guardians). Premium: $9.99/mo for expanded features, more Guardians, and priority support. No per-asset fees.
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WB
WillBoxEst. Est. 2021
Digital Estate PlatformFree tier: basic…
WillBox is a Bitcoin inheritance service. Fees: Free tier: basic document storage. Premium: $9.99/mo for expanded storage, video messages, and multiple beneficiary designation. Family plan: $14.99/mo.
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Direct answers

How does Bitcoin inheritance work?

Bitcoin inheritance services let you designate heirs to receive your Bitcoin after death without exposing your private keys during your lifetime. Most use multisig wallets or timelocked transactions that automatically release funds to beneficiaries after a period of inactivity, so no single party controls the coins until needed.

What is the difference between multisig and custodial Bitcoin inheritance?

Multisig inheritance splits control across multiple keys (for example, 2-of-3), with one held by an heir and one by a service. Custodial inheritance gives a third party custody of the coins with legal instructions to distribute them. Multisig is more trust-minimized; custodial is simpler for non-technical heirs.

What happens to my Bitcoin when I die?

Without a plan, Bitcoin locked in self-custody wallets is permanently lost if no one has access to the private keys. An estimated 3 to 4 million Bitcoin are already inaccessible due to lost keys. Bitcoin inheritance services solve this by creating a secure, pre-authorized path for heirs to claim funds without ever exposing your keys while you are alive.

Inheritance Articles, Guides, & Videos

Learn more about Bitcoin inheritance and estate planning with our curated educational content.

Bitcoin Inheritance Planning 2026: How to Pass Crypto to Your Heirs Without Losing It
Bitcoin
Article·9 min

Bitcoin Inheritance Planning 2026: How to Pass Crypto to Your Heirs Without Losing It

2.3-4 million BTC are permanently lost - most because someone died without a plan. Your family can't recover lost keys with a death certificate. Here's how to set up Bitcoin inheritance properly.

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Real Estate to Bitcoin: Unlocking $35 Trillion in Home Equity w/ Joe Consorti
Video
34:42
Video

Real Estate to Bitcoin: Unlocking $35 Trillion in Home Equity w/ Joe Consorti

This podcast is brought to you by Ledn. Ledn is the global leader in Bitcoin-backed loans, issuing over $9 billion in loans since 2018, and they were the first...

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Securing Your Bitcoin Legacy: Why Inheritance Planning Matters Now
Guides
Article·4 min

Securing Your Bitcoin Legacy: Why Inheritance Planning Matters Now

With Bitcoin surpassing $100K and $6 trillion in crypto set for inheritance by 2045, discover why 20% of Bitcoin is lost forever and how to protect your wealth.

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Forget just holding. This Company is Earning in Bitcoin.
Short
0:55
Short

Forget just holding. This Company is Earning in Bitcoin.

Forget just holding. This Company is Earning in Bitcoin. @ztownsend of Meanwhile explains the evolution of how public companies will use Bitcoin. "Bitcoin...

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What Happens to My Bitcoin If I Die?
Guides
Article·5 min

What Happens to My Bitcoin If I Die?

Up to one-fifth of all Bitcoin may already be lost forever because owners died without sharing access details. This guide explains how to pass BTC to your heirs safely—from wills and multisig to the new Bitcoin-denominated life policies from Meanwhile. Not legal or financial advice.

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Are You Securing Your Bitcoin Legacy?
Short
0:44
Short

Are You Securing Your Bitcoin Legacy?

While security & self-sovereignty are paramount, inheritance planning is often a topic under-discussed. Zac Townsend of Meanwhile shares why that needs to...

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Frequently Asked Questions

Common questions about Bitcoin inheritance and estate planning.

What is Bitcoin inheritance planning?
What is a timelock in Bitcoin inheritance?
What does multisig mean for Bitcoin inheritance?
What are guardian services in Bitcoin inheritance?
Is Bitcoin inheritance legal?