What happens to your bitcoin when you die? Without a plan, it could be lost forever. These solutions help you pass your wealth to the next generation, securely.
The most trusted way to pass on bitcoin is collaborative multisig with an inheritance plan. Casa (9.4/10, from $250 a year) and Unchained (9.2/10, $250 a year) hold one key in a multisig, so your heirs can recover with help while you keep control. Nunchuk is the best app-based option. Onramp and AnchorWatch add insurance.
| Best overall | Casa | From $250/year. Multisig, Casa holds one key. |
| Runner-up | Unchained | $250/year. 2-of-3 multisig. |
| Best app-based | Nunchuk (Honey Badger) | $480/year. Inheritance built into the wallet. |
| Best insured | AnchorWatch | Insured multisig. |
Updated September 2026
An estimated 4 million bitcoin are already lost forever because holders died without sharing their keys. Your seed phrase written on paper means nothing if your heirs don't know what it is, where it is, or how to use it. Don't let your stack die with you.
Casa offers the most polished inheritance experience. One-click setup, video verification, and a dedicated team to help your heirs. Worth every penny for peace of mind.
Not ready for a paid service? Here are the basics of setting up your own plan:
Note: DIY inheritance requires significant technical knowledge and ongoing maintenance. For most people, a managed solution is worth the cost for peace of mind and professional support.
If you die holding your own keys and nobody knows how to use them, your bitcoin is gone for good. If you hand your family the seed phrase today, anyone who finds it can take everything. A good plan sits between those two failures: your heirs can recover the bitcoin, and nobody can spend it early.
Every option on this page fits into one of three models.
Collaborative multisig services: Casa, Unchained, and Nunchuk. You keep control of most keys, and the provider holds one key and a recovery process for your heirs.
Both use multisig with the company holding one key. Casa scores slightly higher with me for its app and inheritance flow. Unchained suits people who want 2-of-3 multisig with the option of a Bitcoin IRA.
Set up multisig or a timelocked recovery wallet, write a letter explaining how to recover it, and store the keys and letter in different places. It is free but takes careful work.
Keep the seed phrase out of your will, because wills can become public records. Put instructions in the will and keep the keys somewhere else.