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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TypeMultisigTimelockGuardian
AnchorWatch logo
AnchorWatchEst. Est. 2022
Insured Custody✓✓–Insurance premiums…
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Bitkey logo
BitkeyEst. Est. 2024
Self-Custody Wallet✓✓–$250 one-time…
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Casa logo
CasaEst. Est. 2016
Inheritance Solution✓––Standard: $250/yr…
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Meanwhile logo
MeanwhileEst. Est. 2021
Inheritance Solution, Life Insurance(BTC Based)✓––Custom:…
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Nunchuk logo
NunchukEst. Est. 2020
Inheritance Solution✓✓✓Free: Basic wallet…
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Onramp Bitcoin logo
Onramp BitcoinEst. Est. 2022
Inheritance Solution✓––Contact For Pricing
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River logo
RiverEst. Est. 2019
Inheritance Solution–––Buy/Sell Fees:…
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Swan Bitcoin logo
Swan BitcoinEst. Est. 2019
Collaborative Custody✓––Swan Vault: $30/mo…
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TBA
The Bitcoin AdviserEst. Est. 2016
Consulting & Custody Design✓––Consultation:…
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Theya logo
TheyaEst. Est. 2022
Inheritance Solution✓––Basic: Free…
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Trust & Will logo
Trust & WillEst. Est. 2017
Inheritance Solution–––Will Plan: $199…
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Unchained logo
UnchainedEst. Est. 2016
Inheritance Solution✓––Personal Vault:…
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Vault12 logo
Vault12Est. Est. 2015
Guardian Network––✓Guardian: free…
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WB
WillBoxEst. Est. 2021
Digital Estate Platform–––One plan: €79/year…
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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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Introducing... EstateOS | Trust & Will
Video
0:33
Video

Introducing... EstateOS | Trust & Will

Today, Trust & Will announced the launch of EstateOS™, the first intelligent operating system for estate planning. Built to support families, professionals,...

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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?

Bitcoin inheritance planning is the process of ensuring your Bitcoin holdings can be securely transferred to your heirs after your death. Unlike traditional assets, Bitcoin requires access to private keys, making estate planning more complex but also more sovereign.

What is a timelock in Bitcoin inheritance?

A timelock is a script condition that prevents a transaction from being spent until a specific block height or date. Inheritance services use timelocks to create automatic transfers to heirs after a period of account inactivity, so no third party can access the funds prematurely.

What does multisig mean for Bitcoin inheritance?

Multisig (multi-signature) requires multiple private keys to authorize a transaction. For inheritance, a common setup is 2-of-3: you hold two keys, and a service or trusted heir holds the third. Your Bitcoin cannot be moved without your participation during your lifetime, but heirs can recover funds after your death using the remaining keys.

What are guardian services in Bitcoin inheritance?

Guardian services involve a professional third party who holds one key in a multisig arrangement or acts as a coordinator. They verify the death of the account holder and facilitate the transfer to designated beneficiaries, providing an extra layer of protection against early or unauthorized access.

Is Bitcoin inheritance legal?

Yes, Bitcoin can be part of your estate just like any other property. Many providers offer legal documentation to accompany their technical solutions, such as letters of instruction or formal estate planning documents that work with existing inheritance law.