Non-custodial crypto readiness: a repeatable workflow for UK professionals serving HNW clients

A step-by-step, non-custodial crypto workflow: intake, boundaries, continuity planning, security hygiene, review cadence and documentation.

Introduction

Crypto is increasingly normal in client portfolios, but most firms still have no standard method to handle the two outcomes clients care about: loss prevention and handover readiness. The professional opportunity is to provide structure, not custody.

The positioning that works

Clients want confidence. Professionals want safety. The overlap is: • documentation • risk reduction • continuity planning • periodic review • clear boundaries You do not need to become a custodian to deliver value.

The 5-step workflow (Bitzo-aligned)

Step 1: Crypto intake (10–20 minutes) Capture: • where assets sit (exchange / wallet / multisig) • which devices matter • whether anyone else is involved • what the client fears most (loss, scams, inheritance) • whether there is an existing plan Output: a simple inventory and risk map. Step 2: Define boundaries in writing (5 minutes) Confirm: • no custody • no keys/seed phrases received • no executing transfers • information-only support unless separately agreed under appropriate permissions This protects the client and your firm. Step 3: Continuity pack build (60–90 minutes) Create: • inventory • access dependency map • authority map • first 72 hours plan • scam shield • review cadence Step 4: Security hygiene upgrades (optional add-on) Offer a menu, not a mandate: • separate hold and interaction wallets • device hardening • hardware keys for important accounts • safe backup discipline • basic phishing protection behaviour Step 5: Scheduled reviews (every 4–6 months) A short template review: • what changed • new exchanges or wallets • device changes • confirmation that continuity steps still match reality • update inventory and authority map

The client script (useful and low-risk)

'We're not here to touch your crypto. We're here to make sure it isn't lost to a mistake, a scam, or a life event. We document a clear plan and keep it current.'

The internal firm benefits

• reduced reputational risk • structured engagement (not ad hoc questions) • recurring review revenue • clear scope that does not cross into custody or advice • evidence trail for compliance

How Bitzo supports this workflow

Bitzo provides the coordination layer: verified trusted contacts, documented workflows, audit trails, and Policy Packs. Professionals can refer clients to Bitzo for the operational execution while retaining their advisory relationship. Learn more about our adviser programme or book a call to discuss partnership.