★ Bitcoin Assistance ★

★ The Family Vault ★

"If my plane goes down, my wife can't reach it. I've been putting this off for two years. We're going to fix it today."

— David · the afternoon he stopped putting it off

★ Three Paths ★

Three Honest Paths.

Pick the one that fits how you'd want this to be handled.

Casa Premium

Concierge inheritance.

A company on the line with you, forever.

If I die tomorrow…

Casa walks your family through a video-verified recovery.

If they go away in 10 yrs…

Casa publishes a backup recovery process. You lose Casa's key from the multisig.

What my wife does…

Hardware wallet + Casa's mobile app.

What you pay…

$175 / month

Bundled. Hardware, support, recovery — one line.

Depends on Casa staying in business.

★ Pick this if

You want a company on the line with you forever — and you don't mind paying for it.

AnchorWatch

Insured inheritance.

Lloyd's-of-London policy backing the value of the vault.

If I die tomorrow…

Your beneficiary and trustee unlock the vault on a time-lock; the insurance backs the value.

If they go away in 10 yrs…

Recovery requires retrieving your shares from a partner custodian; the insurance terminates.

What my wife does…

Hardware wallet + AnchorWatch's portal.

What you pay…

~1% / year

Of vault value. Premium scales with what you hold.

Depends on the policy, the partner custodian, and Lloyd's.

★ Pick this if

You want insurance to make your family whole if the worst happens — and you accept the premium that buys.

★ The Family Vault
Bitcoin Assistant

Family-run inheritance.

The family owns it. Nobody outside the family holds a key.

If I die tomorrow…

Sarah and Marcus run the inheritance drill they already practiced — same buttons as the practice run.

If we go away in 10 yrs…

Nothing changes. Your hardware wallets and Bitcoin node still work. The assistant is just code on your laptop.

What my wife does…

Hardware wallet + the chat tool she uses every day. Nothing new to learn.

What you pay…
  • Hardware · ~$400 up front (5 devices)
  • Node electricity · ~$20 / year
  • Attorney · per-task fee, on the engagement letter
  • Miner fees · per move, paid to the network

Unbundled. Every cost is a line item, not a subscription.

Depends on Bitcoin staying Bitcoin — and your attorney's continued willingness to serve.

★ Pick this if

You want the family to own this from start to finish — with an assistant that never touches the keys.

Dramatis Personae

The Cast.

Three voices. Five keys. One arrangement that has to outlive its founder.

◆ The Founder

David.

Father of two. Twelve years of saving. Holds three of the five keys. Has been putting this off for two years and is done putting it off.

Speaks in 5 chapters

★ The Heir

Sarah.

Holds one key. First-time hardware-wallet user. Runs the fire drill every November so the buttons are familiar long before the day arrives.

Speaks in 4 chapters

✦ The Trustee

Marcus.

Family attorney, thirty years in. Holds one key. Cannot move funds alone, cannot lock the family out. Standard fiduciary duty on a different rail.

Speaks in 4 chapters

★ The Three Folios ★

What Each One Carries.

Three people walked out of that afternoon — each holding the part the others can't.

◆ David's Folio

Three keys. Three cities. One trust.

He built the vault. He keeps it alive.

★ The hardware
  • Three hardware wallets. Three cities. Three sealed seeds.
  • Fifteen Shamir shares. Held by people who don't know each other.
★ The paper
  • Revocable living trust. Owns the vault — so probate doesn't.
  • Pour-over will. Catches anything the trust missed.
  • Children's sub-trust. Five-year-olds don't custody Bitcoin.
  • Engagement letter. Marcus is a fiduciary now, not a favor.
★ The discipline
  • Refresh transaction. Sixty seconds, every five months.
  • Trust review. Once a year, with his attorney. Not the assistant.

"Setting it up was the easy part."

★ Sarah's Folio

One key. The whole runbook.

She runs the vault the day David can't.

★ The hardware
  • One hardware wallet. Twelve words, in the family safe.
★ The paper
  • Successor co-trustee. Her copy of the trust. Never acts alone.
  • Children's sub-trust. She'll most likely chair it.
  • HIPAA + power of attorney. For the decisions that come before death.
★ The discipline
  • Annual fire drill. Same buttons as the real day.
  • Live contact list. On the day it matters, it matters.

"I want to know what to do if anything happens to David."

✦ Marcus's Folio

One key. All the paperwork.

He keeps it legal. He never moves money alone.

★ The hardware
  • One hardware wallet. Office safe, filed beside the probate folders.
★ The paper
  • Successor co-trustee. Named alongside Sarah. Never alone.
  • Engagement, fee, indemnification. The three letters that make this his job.
  • Fiduciary liability insurance. Separate cover from his malpractice line.
  • Sealed Shamir roster. David's three holders, on file.
★ The discipline
  • Annual reaffirmation. One sentence, on the record: "I remain willing to serve."
  • Insurance renewal. Every year. No exceptions.

"Standard fiduciary duty. On a different rail."

★ How Marcus gets paid →

Three folios. Together they cover what none of them could carry alone.

Read The Paper Side → — the trust, the tax layer, the fee schedule, and how other companies handle the legal side.

★ The Timeline ★

Twelve Chapters.

Read by voice, or read straight through.

  1. №01
    The Setup. Day 0 · Afternoon

    Twelve years of savings, one device. David has been putting this off for two years. Today he stops.

    ◆ David ▸
  2. №02
    The First Key. Day 0 · Kitchen

    A device the size of a USB stick. Twenty minutes of writing words down. The first time she has held one.

    ★ Sarah ▸
  3. №03
    The Trustee. Day 0 · The Office

    Thirty years of estate law, all of it through custodians. Today, on a different rail.

    ✦ Marcus ▸
  4. №04
    The Dry-Run Drill. Day 0 · Evening

    A practice vault with pretend money. Same buttons as the real thing. No real Bitcoin at risk.

    ★ Sarah ▸
  5. №05
    First Refresh. Month 5

    A tiny transaction. The inheritance timer resets to zero. Thirty seconds on the hardware.

    ◆ David ▸
  6. №06
    Annual Check-In. Year 1

    The assistant asks the trustee, on the record, whether anything has changed.

    ✦ Marcus ▸
  7. №07
    Last Refresh. Year 2.5

    Same routine. Five-month timer reset. "See you in five months."

    ◆ David ▸
  8. №08
    The Missed Refresh. Year 3 · The Silence

    A nudge goes out. No reply. A week later — another nudge. A month later — the inheritance timer has 30 days left.

    ◆ David ▸
  9. №09
    The Inactivity Alert. Year 3 + 1 month

    Marcus opens the assistant for the first time in months. "Hm. I should call David."

    ✦ Marcus ▸
  10. №10
    The Night After the Funeral. After the Accident

    Sarah opens her laptop. There is nothing to do for six more months. Take care of yourself.

    ★ Sarah ▸
  11. №11
    The Signing — Sarah. Six Months Later

    The inheritance leaf opens. Sarah signs first. The transaction goes to Marcus.

    ★ Sarah ▸
  12. №12
    Closing the Vault — Marcus. Same Day · Hours Later

    Marcus signs. The transaction broadcasts. The vault is closed out. The kids’ trust is funded.

    ✦ Marcus ▸

"The funds couldn't move during David's life without him,
and couldn't be locked away from his family after he was gone."

— Safety note, on the record

★ Built-In Behaviors ★

What the Vault Does.

Six things the vault does on your behalf. None of them involves moving your money.

★ № 01

Watch Your Vault.

A nudge every five months: time to refresh. A small transaction resets the inheritance timer so the leaf never opens by accident.

★ № 02

Dry-Run Drill.

A practice vault with simulated funds. The heir presses the same buttons she'd press on the real day. No real Bitcoin at risk.

★ № 03

Annual Check-In.

Once a year: the assistant asks the trustee whether anything has changed. Answers logged for the file.

★ № 04

Off-Agent Backups.

Each seed phrase split into five Shamir pieces — three reconstruct, fewer reveal nothing. The assistant tracks where the pieces went.

★ № 05

Cosigner Coordination.

On release day the assistant carries the half-signed transaction between cosigners. It never adds a signature. The hardware does that.

★ № 06

Vault Registry.

Records who is in the arrangement — heir, trustee, cosigners — so the right person gets the right nudge. Lives on your machine.

★ Manifesto ★

The Three Demands.

Three ways the money can move. No fourth way exists.

  1. I.

    The Daily Demand.

    All three of David's keys, together. Used for normal life — groceries, school fees, the occasional refresh transaction to keep the inheritance timer asleep.

  2. II.

    The Recovery Demand.

    David loses a device. Any two of his remaining keys, plus the family attorney, can rebuild. No one outside the family is invited.

  3. III.

    The Inheritance Demand.

    Six months go by with no activity. The lock opens. Sarah and Marcus, together — never one alone — can release the funds. The clock is the rule.

★ Eligibility ★

Who This Is For.

Two lists. Read them both honestly. The contrast is the product.

★ Verdict ★

BUILD IT

If every line below describes you.

  • ✓
    You hold meaningful Bitcoin. And you've been meaning to fix the inheritance thing for two years.
  • ✓
    You trust one or two people. Enough to hand them a key — and rely on them on the worst day.
  • ✓
    You'd rather practice than read the manual. Fire drills beat FAQs.
  • ✓
    You run your own node — or you're ready to. The vault assumes the data path is yours.
☓ Verdict ☓

SKIP IT

If any line below describes you.

  • ✗
    You want a company on the line. When the password is gone, you want a human picking up. That's a different product.
  • ✗
    You trust block-explorer APIs. With the location of every coin you own. This vault refuses to make that call.
  • ✗
    You think "not your keys" is rhetoric. Here it's the architecture. The agent never signs.
  • ✗
    You're fine with KYC selfies. This whole arrangement avoids them on principle.

Either verdict is an honest answer. The wrong tool is worse than no plan at all.