21Rates
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Unchained

Bitcoin Only
Inheritance Solution
Established Est. 2016
United States
Inheritance Score: 92/100
Collaborative custody provider with a dedicated inheritance protocol. Uses 2-of-3 multisig where you hold two keys and Unchained holds one. Inheritance plan designates a beneficiary who receives guided key recovery.

Core Features

Multisig Support Yes
Timelocks Not supported
Guardian Services Not available
Bitcoin Only Yes

Fees & Pricing

Fee StructurePersonal 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).

Security

Collaborative 2-of-3 multisig using Trezor or Coldcard hardware. Keys distributed across client (2 keys) and Unchained (1 key). No single point of failure. SOC 2 Type II audited. $100M insurance coverage on custodied keys.

Process

Deceased Verification

Requires certified death certificate submitted by named beneficiary plus legal documentation (will, trust, or probate court order). Unchained legal team reviews all claims. 30-day waiting period after verification before key release.

Distribution Methods

Beneficiary receives access to Unchained-held key after verification, enabling 2-of-3 threshold with their inherited key. Can sweep funds to any wallet. Unchained assists with the technical transfer process.

Legal & Compliance

US-registered, FinCEN-compliant MSB. SOC 2 Type II certified. Works with estate attorneys to integrate inheritance into existing legal frameworks. Supports trust structures.

Customer Support

Dedicated account manager for Concierge clients. Phone and email support. Austin, TX-based team. Business hours: M-F 9am-6pm CT.

Leadership

JK
Joe Kelly
Co-founder & CEO

Frequently Asked Questions About Unchained

Unchained offers Inheritance Solution services with multisig wallet support. Collaborative custody provider with a dedicated inheritance protocol. Uses 2-of-3 multisig where you hold two keys and Unchained holds one. Inheritance plan designates a beneficiary who receives guided key recovery.

Unchained's pricing: 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).. Confirm current pricing directly with Unchained as fees may vary based on your estate size and service tier.

Yes, Unchained supports multisig (multi-signature) arrangements, which require multiple private keys to authorize a transaction. This ensures your Bitcoin cannot be moved without your participation during your lifetime, while still allowing heirs to recover funds after your death.

Unchained does not currently list timelock support. They may use alternative mechanisms such as legal instructions or guardian coordination to facilitate inheritance. Contact them for details.

Yes, Unchained is a Bitcoin-only service, meaning they focus exclusively on Bitcoin inheritance and do not handle other cryptocurrencies. This specialisation often means deeper expertise in Bitcoin-native estate planning techniques.

About this analysis

21Rates Editorial TeamBitcoin Financial Research Analysts

Our research team analyses Bitcoin inheritance providers using security scoring, legal compliance research, and user reviews. We independently verify service terms and maintain up-to-date information to help you plan your estate with confidence.

Last verified: August 2026

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