Crypto Security (Non-Custodial) for UK Private Clients

Bitzo provides UK-based, non-custodial crypto security planning for private clients with meaningful positions. We help you reduce single points of failure across keys, devices, and people, without ever holding your assets.

The four threats every serious holder faces

Loss, misplaced seed phrase, broken hardware wallet, forgotten password, lost recovery sheet.
Coercion, physical threats, social engineering, deepfake-assisted impersonation.
Device failure, hardware wallet death, exchange lockout, cloud account compromise.
Death or incapacity, assets stranded because no one else knows the wallets exist or how to recover them.

The Bitzo security model

Multi-key architecture. Where appropriate, we help structure multisig setups so no single device, location, or person can compromise the position.
Reduced visibility. Compartmentalised wallets and role-based access limit how much any one party can see or act on.
Verified contacts. Identity-verified trusted parties who can coordinate recovery without ever holding keys themselves.
Recovery readiness. Documented, rehearsed workflows so recovery is not theoretical, it has been tested.
Audit trail. Every verification, contact, and recovery step is logged.
Watchtower monitoring. Watch-only address monitoring from our own Bitcoin node, instant alerts the moment coins move, without ever touching keys.

What a security review actually covers

A structured look at how your crypto is actually held, recorded as plain-language documentation your family and advisers can rely on, coordination, not financial advice.

Device hygiene, the devices your wallets touch (hardware wallets, phones, laptops), how they are stored, updated, and separated from day-to-day use. We document what exists and where the weak points sit.
Wallet architecture, single-sig or multisig, hardware, exchange, or cold storage. We map how your wallets are structured and where a single device, location, or person could compromise the position.
Exposure mapping, who knows your crypto exists, who knows where it is held, and who could piece it together. Reduced visibility is a control in itself, we record who knows what, and whether that is deliberate.
Backup integrity, whether your backups would actually work: where recovery material is kept, whether it is complete, and whether recovery has ever been rehearsed. We never see or handle the backups themselves.

The output is documentation and coordination, not instructions to buy or sell anything. We map what exists, where the single points of failure sit, and what your family or executor would actually need, then we coordinate the changes you choose to make. Bitzo never handles devices, backups, or keys, and never provides regulated financial, legal, or tax advice.

Common setups we see

Most clients arrive somewhere on this progression. None of these stages is wrong, the right architecture depends on your holdings, your trust network, and how active you are.

Everything on one hardware wallet. One device, one seed phrase, and often only one person who knows the assets exist. If the device fails or something happens to you, everything depends on a single backup that no one has tested. It is the most common starting point we see, and the most fragile.
Documented single-sig with verified contacts. The same wallet, but no longer a dead end. A Policy Pack documents the recovery path in plain language, and identity-verified trusted contacts know how to coordinate if the worst happens. For many holdings this is the right trade-off: simpler than multisig, but recoverable.
Compartmentalised wallets. Holdings split across multiple wallets so no single recovery path exposes everything. Day-to-day funds stay easy to reach while long-term holdings sit behind stricter controls, with each compartment documented separately in the plan.
Multisig with role-based signers. Multiple keys, held by different people or in different places, required before funds can move. No single device, location, or person can compromise the position, and recovery can still happen when required, because signer roles and workflows are documented.

Multisig is not always the right answer. It is one tool, and sometimes a documented single-signer setup with verified contacts is the better trade-off. A review tells you where you are on this progression and what, if anything, is worth changing.

A typical engagement

Every situation is different, but a typical private client engagement looks like this. It is an illustration of the process, not a fixed script.

Initial call, a short discovery call to understand your current setup, the shape of your holdings, and who you want involved, family, executors, advisers. No commitment, and no requests for sensitive details.
Inventory documentation, we document what exists at the level your plan needs: which wallets, what type, how each is accessed, and who currently knows about them. Public key material only, never seed phrases or private keys.
Architecture review, we map wallets, devices, and access paths, and identify single points of failure. If changes make sense, you make them yourself, Bitzo coordinates and documents; we never handle devices or keys.
Policy Pack issued, your plain-language recovery reference is produced as a versioned document: wallet policies and signing rules, trusted contacts and roles, recovery conditions, and verification requirements.
Contacts verified, trusted contacts complete identity verification, recorded calls, rotating codes, and email ownership confirmation, before they can ever act under the plan.
Periodic reviews, automated prompts every 4 to 6 months confirm details remain current, with scheduled reviews included in your plan so the Policy Pack keeps pace with your wallets, contacts, and wishes.

From there the plan stays live: your Policy Pack is updated as things change, and every verification and update is captured in the audit trail. See what each plan includes.

What Bitzo never does

Bitzo never holds keys. Bitzo never asks for seed phrases, private keys, wallet PINs, or exchange passwords. Bitzo never takes custody of crypto. We coordinate process and verification, assets remain under your control at all times.

Who this is for

UK private clients holding six-figure-plus crypto positions across one or more wallets.
Self-custody users who want a structured process around their existing setup.
Multisig users who want documented signer roles and verified backup paths.
Anyone whose family would be lost if something happened to them tomorrow.

How we protect your information

All traffic to Bitzo is served over encrypted HTTPS. Because Bitzo is non-custodial, your seed phrases and private keys are never held by us, the highest-value secrets simply aren't ours to lose. Access to client records is restricted, every action on a recovery case is written to an audit trail, and our infrastructure and client database are hosted in the UK. We have not yet completed an independent security certification such as ISO 27001; as an early-stage company we would rather say so plainly than imply otherwise.

How a security engagement works

Discovery call, understand your current setup, holdings shape, and risks. Book here.
Architecture review, map wallets, devices, custodians, and access paths. Identify single points of failure.
Plan, agree the target architecture, contacts, and documentation scope.
Implementation, you make the wallet changes; we coordinate verification and documentation.
Recovery rehearsal, test the plan before it is needed.
Annual review, refresh as your holdings, contacts, and the regulatory environment evolve.

Common questions

Do I need to share my seed phrase with Bitzo?

No. We never request and never want to see your seed phrases or private keys.

Is multisig always the right answer?

No. Multisig is one tool. The right architecture depends on your holdings, your trust network, and how active you are. Sometimes a documented single-signer setup with verified contacts is the better trade-off.

How do you handle hardware wallets?

We document the architecture and verification path around them. We never handle the device or its backup ourselves.

Do you cover exchange-held assets?

Yes, we document exchange access, 2FA recovery, and beneficiary processes where the exchange supports them.

Related insights

Next step

Most engagements start with a 20-minute discovery call. Book a call or see pricing for Core Continuity, Continuity Plus, and Private Client plans.