Digital Asset Estate Planning & Inheritance

Crypto Estate Planning & Probate Tracing

Crypto Inheritance Probate Tracing Wallet Access After Death Executor Support Forensic Audit

Cryptocurrency is inheritable under law, but a blockchain doesn't recognise probate. Without a documented seed phrase or private key, wallets stay locked forever — even from the rightful heir. We help solicitors, executors and families plan for, locate, value and securely access inherited crypto, across all blockchains and custodial services.

Self-custody vs. exchange-held crypto

  • Self-custody wallets have no central authority — only the seed phrase or private key grants access. Without it, assets are gone for good.
  • Exchange-held crypto usually has a probate process, but it varies wildly by jurisdiction and provider.
  • Many estates hold undisclosed crypto — only uncovered through professional tracing.
  • Volatile markets create valuation uncertainty the longer the process is delayed.
  • Fraudulent third-party access attempts increase in the period following a death.
Who We Support

Trusted By Clients Across The Globe

We work alongside legal professionals, families, and institutions to locate and administer inherited digital assets through legitimate channels.

Solicitors & Probate Teams Executors & Administrators Bereaved Families Financial Advisers Insolvency Practitioners Law Enforcement Agencies
Crypto Estate Planning Before Death

What Happens to Cryptocurrency When Someone Dies?

Cryptocurrency is legally inheritable, but the blockchain has no concept of probate. Whether an estate is straightforward or complex often comes down to one factor: how the crypto was held, and whether access was documented in advance.

Aspect Exchange / custodial wallet Self-custody wallet
Who holds the assets? The exchange or custodian The deceased, exclusively
Point of contact for heirs? Yes — the provider None
What heirs need Proof of entitlement (grant of probate / letters of administration) The seed phrase or private key — nothing else works
If access details are missing Provider can usually still initiate a recovery process Assets are permanently and irreversibly lost
Inheritance risk Low to moderate — varies by jurisdiction Very high without documented access

For exchange-held crypto, providers typically freeze the account once notified of a death and release it once a grant of probate or equivalent is submitted — though not every exchange recognises foreign inheritance documentation equally. For self-custody wallets, there is no recovery process and no customer service line: anyone holding the seed phrase has full control, regardless of whether they are the rightful heir. This is the same self-custody principle that makes the asset secure during life and the same one that makes it vulnerable at death.

Building a Crypto Estate Plan

A Complete Wallet Inventory & Letter of Instruction

Most crypto inheritance failures aren't legal problems — they're documentation problems. A short list of practical steps closes most of the gap.

What to inventory

  • Every exchange and platform holding crypto, with provider name and username
  • Every software wallet (app on phone or computer) and its access method
  • Every hardware wallet, with its physical location, PIN, and seed phrase
  • Any backup media — metal seed plates, paper backups — and where they're stored
  • The 2FA device and authenticator app used to access exchange accounts

What good planning looks like

  • Seed phrases stored offline — never digitally, never in the will itself
  • A separate, securely sealed access document referenced (not detailed) in the will
  • A letter to heirs explaining what exists and how to find it
  • A named trusted person who can act quickly without needing crypto expertise
  • An advance directive covering incapacity, not just death
Why the seed phrase never belongs in the will: a will is reviewed by multiple parties during probate and becomes a public record. It should disclose that crypto assets exist and where the access document is held — never the credentials themselves. We help solicitors structure this correctly, and help families and executors when that structure was never put in place.
Our Investigative Services

Comprehensive Digital Asset Estate Administration

From locating hidden wallets to producing court-ready valuations, our forensic team handles every stage of the crypto estate process — for estates where planning happened, and for the more common case where it didn't.

Crypto Probate Tracing
Forensic identification and tracing of digital assets belonging to a deceased estate. We locate wallets, exchanges, and digital holdings across all major blockchains and custodial services — including assets the estate may not have known existed.
Inherited Crypto Forensic Audit
A structured forensic audit of the deceased's digital asset footprint — wallets, transaction history, exchange accounts, and stored value — to establish a complete and legally defensible picture for administration and reporting.
Asset Valuation Reports
Professional valuation of inherited cryptocurrency at the date of death or other specified dates, structured for probate, HMRC, Inheritance Tax, or court submission. Reports are prepared in accordance with UK probate and reporting requirements.
Wallet Access & Securing
Working alongside solicitors and legal representatives to legitimately secure access to discovered wallets — preventing asset loss, misappropriation, or permanent inaccessibility during the probate process.
Expert Witness & Testimony
Our specialists provide expert witness reports and testimony in probate disputes, contentious estates, or cases involving crypto assets held in complex or contested circumstances. Reports are prepared to court-admissible standards.
OSINT & Device Analysis
Gathering and analysing publicly available information and digital footprints to identify undisclosed holdings — cross-referencing email headers, device metadata, browser history, and open-source signals with blockchain data.
How Our Estate Process Works

A Structured, Defensible Methodology

Our estate investigations follow the same forensic rigour applied to every case — designed to produce evidence admissible in probate, tax, and legal proceedings.

01

Case Intake

We assess available documentation, device access, known exchange accounts, and digital indicators of crypto holdings.

02

Blockchain Tracing

Advanced cross-chain forensic analysis to locate wallets, trace transaction history, and identify exchange relationships.

03

Exchange Coordination

We liaise with exchanges and custodians through legal channels to confirm holdings and obtain access documentation.

04

Forensic Report

Comprehensive written report detailing all identified assets, valuations, methodology, and chain-of-evidence documentation.

05

Ongoing Support

Expert testimony, supplementary reports, and coordination with your legal team throughout the probate process.

Why time is critical in crypto estates

  • Assets permanently lost if wallet credentials not secured early
  • Exchange accounts suspended or closed without timely legal notice
  • Privacy coins and self-custody wallets require specialist tools
  • Volatile markets create IHT and reporting uncertainty
  • Fraudulent access attempts increase post-death
  • Cross-jurisdictional assets need prompt legal coordination
Advanced Methodologies

Advanced Techniques for Complex Estates

Many estates involve assets spread across multiple chains, DeFi protocols, and privacy-enhanced services. We deploy specialist tooling for every scenario.

Cross-Chain Bridge Analysis

We track transactions across different blockchain networks — continuing the trace where standard tools stop — to locate assets moved between chains.

Tracing Through Exchanges

We correlate deposits and withdrawals on crypto exchanges and services to trace funds, often without needing formal information requests to progress.

De-Mixing & Privacy Coins

Our team unravels complex transactions involving privacy-enhancing tools, isolating and tracing fund flows that would otherwise remain hidden.

Wallet Attribution

Advanced techniques including data scraping and clustering to identify and attribute wallets, distinguishing between services and individual holders.

Smart Contract Analysis

We analyse DeFi contracts and protocols to understand every step of fund movement — crucial where the deceased used decentralised platforms.

Blockchain & Public Data Integration

By combining on-chain data with publicly available information, we enhance investigation accuracy and provide solid evidence for legal proceedings.

Who We Work With

Serving Complex Cases Globally

Our estate services integrate seamlessly with existing probate, legal, and financial processes across jurisdictions.

Solicitors & Probate Law Firms

We act as a specialist forensic partner alongside legal teams handling estates with known or suspected cryptocurrency holdings, producing reports suitable for court, HMRC, and regulatory submission.

Executors & Personal Representatives

Executors have a legal duty to identify all estate assets. We provide the tools and documentation to fulfil that duty where digital assets are concerned — no technical knowledge required.

Bereaved Families

If a family member passed away holding crypto and access is unclear, we help locate, value, and secure those assets through a careful, sensitive forensic process.

Financial Advisers & IFAs

Where a client's estate includes digital assets, we provide the specialist tracing and valuation support to complement your estate planning and administration work.

Insolvency Practitioners

Cryptocurrency is increasingly relevant in insolvency proceedings. We support asset identification, tracing, and recovery in both personal and corporate insolvency contexts.

Law Enforcement & Courts

We provide expert witness support, forensic blockchain analysis, and evidential reports for criminal and civil proceedings involving inherited or contested digital assets.

Comprehensive Estate Strategy

A Coordinated Approach Across Jurisdictions

Drawing on years of experience in complex digital asset investigations, we offer estate strategies tailored to the specifics and goals of each case — working closely with legal teams, law enforcement, and virtual asset service providers across multiple jurisdictions.

Speak with an Expert

Multi-Jurisdictional

Coordinated efforts across multiple legal systems and jurisdictions worldwide.

Legal

Robust legal strategies developed alongside your solicitor or legal team.

Forensics

Thorough forensic reports structured for probate, IHT, and court proceedings.

Law Enforcement

Direct collaboration with law enforcement and VASPs to freeze and secure assets.

Frequently Asked Questions

What Executors & Solicitors Need to Know

What happens to cryptocurrency when someone dies?

Crypto is inheritable in the same way as any other asset, but the blockchain itself doesn't recognise probate. If holdings sat with an exchange or custodian, the provider typically freezes the account on notification of death and releases it once proof of entitlement is submitted — though recognition of foreign documentation varies. If holdings were in self-custody, only the seed phrase or private key grants access. Without it, the assets remain on the blockchain but are permanently out of reach, regardless of what a will says.

Can cryptocurrency be traced if we don't know the wallets or exchanges involved?

Yes — in many cases. Our forensic process begins with what is available: devices, emails, bank transfers to exchanges, browser history, and digital indicators. From these starting points, our analysts can often identify wallets, exchanges, and holdings previously unknown to the estate.

What happens if the deceased left no record of their crypto holdings?

This is one of the most common situations we encounter. A significant proportion of crypto holders do not document their holdings. Our OSINT and blockchain forensics team is specifically trained to uncover undisclosed digital assets even where no records exist.

How do you value cryptocurrency for probate and IHT purposes?

We produce formal asset valuation reports based on verifiable market data at the relevant date — typically the date of death, or as specified by your legal team. Reports are structured for HMRC submission and prepared in accordance with UK probate reporting requirements.

Do you require access to private keys or seed phrases?

No. We never request private keys or seed phrases. Where wallet access is required as part of the estate process, this is coordinated through legitimate legal channels only — we never handle sensitive credentials directly.

What if someone becomes unable to manage their own affairs before death?

Incapacity through illness, accident, or dementia is just as disruptive to crypto access as death — and often less anticipated. Without an advance directive or power of attorney naming someone to act, courts or protection authorities may appoint a guardian with no crypto expertise. We support legal teams structuring these provisions, and assist if access needs to be established after the fact.

Can you work directly with our legal team under a professional referral?

Yes. We regularly act as a specialist sub-contractor to law firms and probate practices. We operate under a confidentiality agreement and our reports are produced to a standard suitable for legal proceedings and professional use.

What if the estate involves assets across multiple countries?

Token Recovery operates globally. We have experience tracing assets held on international exchanges, across multiple blockchain networks, and in jurisdictions with varying legal frameworks. We coordinate legal strategy across jurisdictions as required.

Speak with a Token Recovery Specialist

Submit your case details or contact our team. Initial assessments are conducted securely and confidentially.

  • Initial assessments conducted securely and confidentially
  • We never request private keys, seed phrases, or wallet access
  • First forensic assessment typically within 1–24 hours
  • Global coverage across jurisdictions and blockchains