Pros
- Best-in-class inheritance protocol
- Mobile-first experience
- 3-key or 5-key vaults
Cons
- Monthly/yearly subscription required
- Casa holds one key
- Premium tier expensive ($2,100/year)
Best Self-Custody Bitcoin Inheritance Tools in 2026
Keep control of your keys while planning for the future. These solutions ensure you never give up custody of your bitcoin.
Short answer
For an inheritance plan with no company holding a key, combine multisig with written instructions for your heirs. Satskeeper ($100 a year) guides you through the plan. Collaborative services like Casa and Nunchuk also leave you in control of most keys if you want help with recovery.
| Guided DIY | Satskeeper | $100/year or $400 once. |
| Multisig with help | Casa | From $250/year. |
| App-based | Nunchuk (Honey Badger) | $480/year. |
Updated September 2026
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Self-Custody Options
5 options
Pros
- Comprehensive inheritance planning
- 2-of-4 multisig setup
- Open source wallet
Cons
- Honey Badger tier required ($480/year)
- Complex for beginners
- No Lightning support
Pros
- Bitcoin-only focus
- Collaborative custody (2-of-3)
- You control 2 keys
Cons
- Per-vault pricing adds up
- Unchained holds backup key
- Loan minimums high ($150K)
Pros
- First Bitcoin-native insurance
- Lloyd's of London backed
- Insure self-held bitcoin (unique)
Cons
- US customers only
- ~$2,500/yr minimum (1% of $250K min coverage)
- Rate varies: 0.55%-2% based on vault size
Pros
- Decaying multisig approach
- 2-of-3 becomes 1-of-3 over time
- Proof-of-life checks
Cons
- European pricing (€)
- Requires technical understanding
- Smaller company
A simple self-custody plan
Set up a 2-of-3 multisig with keys on separate hardware wallets. Keep one key yourself, give one to a trusted person, and store one somewhere secure. Write a letter explaining what the keys are and how to recover, and store it apart from the keys. Test the recovery once, with a small amount.
Frequently asked questions
Can I plan bitcoin inheritance without a company?
Yes. A multisig wallet, clear written instructions, and keys stored in different places are enough. The hard part is making it simple enough for your heirs.