If You Die Tomorrow, Can Your Family Reach Your Crypto?

No seed phrase, no coins — lost keys are unrecoverable, unlike a bank account a nominee can claim.

Exchange holdings can carry a nominee; self-custody wallets have no built-in heir mechanism.

Never write your full seed phrase in a will — wills can become public court records.

Split recovery into an 'access map' plus a separately stored seed; test that a trusted person can follow it.

List every wallet, exchange and the 30% tax rule so heirs don't trigger penalties or lose access.