Crypto Inheritance Planning (UK)

Plan crypto inheritance with a verified, documented recovery process for families and executors — without Bitzo ever holding keys. UK-based, non-custodial, and aligned with how UK probate, wills, and professional advisers actually work.

Why crypto inheritance fails

Two failure modes account for almost every loss:

  • Lost access. No one knows the wallets exist, where keys are stored, or how to recover them. Assets become permanently unreachable.
  • Unwanted access. Keys are shared too broadly or stored insecurely. Holdings are exposed to theft, family disputes, or premature transfer.

A real plan addresses both at the same time — recovery is possible, but only by the right people, at the right time, after verification.

The Bitzo inheritance model

  • Verified trusted contacts — identity-verified family members, executors, or advisers who can coordinate recovery.
  • Policy Pack — a plain-language reference an executor or solicitor can actually use, without crypto expertise.
  • Recovery workflow — defined triggers, verification protocol, and step sequence for different scenarios (death, incapacity, lost device).
  • Audit trail — every verification call, code, and action is logged for fiduciary oversight.
  • Non-custodial — Bitzo never holds keys, never asks for seed phrases, and never takes custody.

How it works alongside your will and executors

Wills become public during probate. Never include seed phrases, private keys, or recovery details in a will. The Bitzo process complements traditional estate planning:

  • Your will acknowledges digital assets exist (without sensitive details).
  • Your solicitor or estate planner is told a separate Bitzo process exists.
  • Your executor is given a reference to the Policy Pack — not the keys.
  • Trusts and other structures can reference digital assets where appropriate.

This is operational coordination, not legal or tax advice. Regulated advice should come from your adviser, STEP solicitor, or accountant.

Who this is for

  • UK private clients with meaningful crypto positions.
  • Families where one person holds the crypto and the rest do not understand it.
  • Named executors who need a workflow that does not require them to learn cryptocurrency.
  • Advisers whose clients hold crypto and need a documented plan.

Common questions

What is crypto inheritance planning?

It is a documented process that defines who can act, what must be verified, and how access is coordinated so assets can be recovered without exposing private keys.

Do you ever hold or control the crypto?

No. Bitzo is non-custodial. We coordinate verification and process; keys and wallets remain under your control.

Will Bitzo ever ask for seed phrases or private keys?

No. Bitzo never asks for seed phrases, private keys, wallet PINs, or exchange passwords.

Does an executor need probate before anything can happen?

It depends on the situation and the authority required. Bitzo verifies identity and legal authority, and the required documents are defined in your plan.

What if my family does not understand crypto?

That is exactly what the process is designed for. Bitzo guides verified contacts through the steps, with documentation and audit trails.

How does this relate to crypto security?

Security and inheritance are linked. A plan must withstand real-world loss, coercion, and device failure. See our security service.

Related insights

Next step

Most plans start with a short discovery call to understand your situation. Book a 20-minute call or view plan pricing.