Most crypto investors still don’t have a clear plan for what happens to their assets after death.

And that’s a serious problem—because if no one knows how to access your wallets, your Bitcoin could vanish forever.

It’s easier to fix than you might think, but you have to act before it’s too late.

Why Crypto Inheritance Is a Unique Problem

Unlike a bank account or retirement fund, there’s no 1-800 number for your crypto. No power of attorney. No automatic access for your spouse or kids.

If you’re the only one who knows your seed phrase or recovery plan—and you don’t leave clear, legal instructions—your crypto is effectively lost. Permanently.

Blockchain doesn’t care about probate court or last wills. It only responds to whoever holds the keys. And if those keys are missing, so is the wealth.

This issue is hitting more families as digital assets become part of everyday retirement portfolios. Yet even people with detailed estate plans often forget to include crypto, simply because it doesn’t follow the same rules as other assets.

That’s where a “crypto inheritance plan” comes in.

The Three Things Every Plan Needs

You don’t need a complicated legal structure to make this work. In most cases, it takes three elements:

First, you need a clear record of your crypto holdings. That includes what platforms you use, what wallets you’ve created, and what coins you own. This document should be stored securely but accessible to your executor.

Second, you need a legally recognized will or trust that specifically includes your digital assets. Make sure it names a trusted person—ideally someone tech-savvy—to receive access or act as custodian.

Third, you need a recovery method. That could be a hardware wallet and instructions for use, a seed phrase stored in a safe, or a multi-party setup where your executor and spouse each hold a piece of the key.

Once these three steps are in place, your crypto becomes part of your estate—just like your home, your IRA, or your insurance policy.

Without them, it’s as if you buried treasure in the backyard and told no one where.

Crypto doesn’t just represent future gains. For many conservative investors, it’s already a sizable part of the portfolio. But unless your family can access it, it doesn’t matter how much it’s worth.

Digital wealth demands a digital strategy.