In short
The main paid services hold one key of a multisig on your behalf and release it to your heirs after a check. They cost from a few hundred dollars a year upwards. You gain a guided process; you give up some privacy and depend on the company.
How these services work
The pattern is the same across all three: a multisig wallet in which you hold most of the keys and the company holds one. Day to day, you sign with your own keys. The company’s key is a backup, and for inheritance it’s the key that lets your heirs complete the set.
When you die, your heir or executor contacts the company, goes through its procedure, and the company co-signs to move the coins to them. Nobody at the company can move your coins on their own.
Casa
- Assets: bitcoin, ether, and the USDC and USDT stablecoins (Casa).
- How it works: you name a recipient and share a key with them. After your death, the recipient starts a request. Casa runs a six-month verification period and notifies you, so you can reject a false claim. After that, Casa’s recovery key co-signs with the recipient (Casa support).
- Cost: inheritance is included in all memberships, starting with Standard at $250 a year (pricing).
- Good to know: the six-month wait protects you against a relative jumping the gun, but it also means six months before your heirs can move anything. Private Client members can choose Enhanced Verification, where document checks replace the six-month wait.
Unchained
- Assets: bitcoin.
- How it works: a 2-of-3 multisig in which you hold two keys and Unchained holds one. Your heirs follow Unchained’s Inheritance Protocol, send the documents it asks for, and Unchained co-signs (Unchained).
- Extras: transfer-on-death beneficiaries so the coins can pass without going through probate, and trust accounts.
- Cost: a vault starts at $250 a year; the Signature service with inheritance setup and coordination is considerably more (pricing).
- Good to know: Unchained’s Inheritance Protocol is also available as a free PDF, and it’s worth reading even if you don’t become a client.
Nunchuk
- Assets: bitcoin.
- How it works: in the paid Honey Badger plans, Nunchuk holds one key of a multisig. Your beneficiary gets a “Magic Phrase” to find the plan and a backup password or inheritance key to claim it. The plan stays dormant until an activation date you set, and you choose between an on-chain timelock or Nunchuk’s assisted, off-chain one (Nunchuk).
- Extras: since June 2026, off-chain plans can split the inheritance between several beneficiaries and release it in stages.
- Cost: Honey Badger is $480 a year (pricing).
What you give up
- Privacy. The company knows who you are, and usually which wallet is yours, so it can see your balance.
- Independence. You depend on the company still existing and following its own procedure when the time comes. Check what happens to your plan if it shuts down: good services explain how you can still recover without them.
- Money. A yearly fee for as long as you live. Over 20 years, that adds up.
A free middle ground
You don’t have to pay anyone to get most of the benefit. A multisig with a trusted keyholder or a timelocked recovery key gives you the same structure without a company, if you’re willing to do the setup and write clear instructions.
For Bitcoin, the sister site weighs up a do-it-yourself multisig against collaborative custody in more detail.
Prices and features change. Check each company’s own pages before you decide; the figures above are from September 2026. This site doesn’t earn anything from these services.
Next: Your yearly check-up.