Bitcoiners who have moved off exchanges, set up hardware wallets, and upgraded to multi-key wallets have done the work to ensure their bitcoin is secure.

Most have not addressed inheritance yet.

A traditional will covers real estate, bank accounts, and investment portfolios. Executors can contact institutions, present legal documents, and gain access. The system is built for this. Bitcoin does not work that way. There is no customer service number, no institution holding the keys on your behalf, and no legal process that can recover a lost private key.

This creates a specific, structural gap. The same properties that make bitcoin powerful for the person holding it make it fragile for the people who come after.

The three failure modesThe three failure modes

Bitcoin inheritance fails in three distinct ways. Understanding which one applies to your situation is the first step toward closing the gap.

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