My-Legacy-Logo
my-legacy-logo-main
My-legacy.ai - Conversational, Secure & Affordable Estate Planning Platform | Product Hunt
Get Free Legacy Score
My-Legacy-Logo
Login
Free Trial
Start Chatting
Transfer on Death · Passwords · Files · Digital Assets

Your clients' digital estates need a handover plan your current process cannot provide .

My-Legacy gives family offices, trustees, and RIAs a hardware-anchored, biometrically verified, cryptographically signed way to transfer digital access when a client dies or becomes incapacitated — without you ever holding their secrets.

Schedule Fiduciary Walkthrough
Shielded by Lokblok · U.S. Patent No. 12,438,716 B2 · FIPS 140-3 Level 3 · Quantum-Resistant (NIST 2024) · SOC 2 Type II In Progress
The problem your estate process doesn't solve

Legal authority over a digital asset is not the same as access to it.

A will can name the wallet. A POA can authorize action. Neither recreates a private key, bypasses 2FA, or unlocks a vault whose master password died with the client.

Your clients increasingly hold passwords, encrypted files, and self-custodied digital assets that sit entirely outside traditional estate instruments. When death or incapacity occurs, you may have full legal authority and still have no practical path in.

The credential itself must survive the client — and that requires architecture, not paperwork.

-Two cases you've already seen — or will

An inaccessible estate. An improvised process.
Both land on you.

Case A — The inaccessible estate

A client passes away. The family calls. There are accounts, files, and a crypto wallet — all behind credentials only the client knew.
You have trust authority. You have no access. There is no bank to call, no password reset, no legal instrument that recreates a private key that no longer exists.

Case B — The improvised process

A client did leave credentials — informally, in an email, a sticky note, a spreadsheet. When the estate is questioned, that becomes your documented standard of care.
No controlled process. No signed authorisation. No audit trail. The exposure is yours — through no fault of your own.

- Every familiar exit is already closed

The instruments built for traditional estate
administration stop where digital access begins.

Wills, Trusts & POAs

Can name an asset and grant authority.
Cannot unlock it or compel a credential that
no longer exists.

Password Managers & Exchanges

Protect access during life and help with what they custody. Self-custodied wallets — how serious holders store value — are invisible to them.

Paper Seed Phrases

The only backup and the single most dangerous document in an estate. Anyone who finds one owns everything, instantly.

- Not another vault

A system that keeps
the credential alive
after the client isn't.

My-Legacy is built around one job: moving digital access to the right people at the right time — with you in a governance role throughout, and without you ever holding the secret.

Most tools store secrets and rely on someone finding them in time. My-Legacy is engineered differently. Secrets are never stored whole. The fiduciary is configured as trustee from day one. When a verified death or incapacity event occurs, transfer is executed through a biometrically confirmed, cryptographically signed authorisation — not a manual handover, not an email with a password.

A non-custodial vault designed for the fiduciary, not the crypto-native. Works alongside your trust documents. Solves what they cannot.

-Why this is a different class of system

Hardware-anchored. Biometrically verified.
Cryptographically signed.

Three controls that separate a governed transfer system from a password manager with estate language bolted on.

Hardware-anchored

Every fiduciary action requires a hardware security key. No password alone can authorise a transfer. The approval is bound to a physical device — not a credential that can be phished, shared, or guessed.

Biometrically verified

Before any transfer executes, the death or incapacity event is confirmed through biometric verification. Not a checkbox. Not a form. A verified, identity-bound event.

Cryptographically signed

Every authorisation produces a tamper-evident signed record — who approved, what transferred, when, and under what conditions. Not a log entry. A cryptographic proof.

- What clients store · What transfers at death

Every category of digital access —
in one governed system.

Not just crypto. Every credential, file, and key your clients need to pass on.

   Login credentials & master passwords

    Every account your client's digital life depends on

  Crypto & digital asset access

    Seed phrases, wallet metadata, exchange credentials for self-
    custodied holdings.

  Critical files & records

    Wills, deeds, insurance, tax documents, letters of instruction.

  Succession instructions

    Beneficiary assignments, trustee roles, backup approvers, transfer conditions aligned with
    your trust documents.

- Three stages · You are in control throughout

You configure it. The client holds their secrets.
You authorise transfer when the time comes.

1

Build the registry

The client organises passwords, files, and digital asset keys into a non-custodial system. The master phrase stays with them. You have zero visibility into the secrets themselves.

2

Define roles & conditions

Trustee, beneficiaries, backup approvers, and transfer conditions are set up front — aligned with your existing trust and estate documents.

3

Authorise on the verified event

When death or incapacity is confirmed, you execute transfer through hardware-anchored, biometric, cryptographically signed authorisation. Once. With a full record.

- Transfer on Death · Passwords · Files · Digital Assets

An inaccessible estate. An improvised process.
Both land on you.

Password & File Vault Fiduciary TOD Workflow Crypto Seed-Phrase Backup Seedless Wallet (live use) No Secret Ever Stored
Consumer Password Managers ✓ ✕ ✕ ✕ ✕
Wealth.com ✓ ✓ ✕ ✕ ✕
IronClad Family ✓ ✕ ✓ ✕ ✕
Vault12 ✓ ✕ ✓ ✕ ✕
Ledger Recover ✕ ✕ ✓ ✕ ✕
Casa & Unchained ✕ ✓ ✕ ✕ ✕
Tangem / Zengo / MPC Wallets ✕ ✕ ✕ ✓ ✕
My-Legacy + Hokan · Shielded by Lokblok ✓ ✓ ✓ ✓ ✓
Every competitor stores the secret somewhere — encrypted, sharded, or duplicated. Phantom Secrets™ burns the original. There is nothing at rest to find, steal, or compel.
- The institutional case

A process you can stand behind.
A capability heirs remember.

A defined operating model

Replace improvised responses with a repeatable, documented process for digital estate administration.

Heir retention

Turn the hardest question a client can ask into a reason heirs stay with the institution that solved what others couldn't.

Multi-generational AUM

Solve succession for passwords, files, and crypto, and you keep the next generation's assets under your roof.

New recurring revenue

A TOD line sold into families you already serve, with very little added overhead — and first-mover differentiation in a category HNW clients increasingly expect.

- The legal and client pressure is already here

The window to act prudently is open now

The law expects documentation

RUFADAA — the Revised Uniform Fiduciary Access to Digital Assets Act — governs how executors and trustees access digital assets in nearly every state. Without explicit, documented authorization, you can be denied access, even as the named fiduciary. My-Legacy.ai creates that documented authorization before it’s needed.

Regulators are formalizing custody standards

The SEC’s September 2025 no-action letter set out what safe digital-asset custody looks like — written private-key management and cybersecurity controls among them. The bar for “responsible” is being defined now. Meeting it early is the defensible position.

Clients are already asking

HNW clients increasingly assume you have a digital-asset succession plan. When they ask “what happens to my crypto?” — and they will — a documented answer keeps the relationship.

Your liability is real, not hypothetical

Self-custodied assets sit outside every traditional instrument. Without a documented process, the exposure lands on you — through no fault of your own.

The institutions that put a documented process in place now are the ones that can show they acted prudently later.

- The security architecture

Shielded by Lokblok — no stored keys, no static secrets, no attack surface at rest.

Built on Lokblok’s zero-persistence architecture. Protected by U.S. Patent No.
12,438,716 B2, with international applications pending.

Phantom Secrets™

Keys are reconstructed at the point of use inside hardware security boundaries, then immediately destroyed. Nothing sits at rest to be found, stolen, or compelled.

ToughKey

Hardware root of trust. Fiduciary approvals require a physical security key, not a password.

ToughID

Biometric identity verification confirms event authenticity before transfer executes.

Successor Trustee Support

Pre-configured backup recovery if the primary trustee is unavailable — same biometric verification, no compromise.

Quantum-resistant cryptography

Designed for secrets that need to outlive today's computing environment. NIST 2024 algorithms.

U.S. Patent 12,438,716 B2

Granted to Lokblok. Fully documented for technical due diligence; international applications pending.

- Where to start

Start with a small cohort of your highest-value families.

You don’t need a program. You need a working process and a small cohort to prove it. Begin with passwords and files — the digital access problem every complex client has, whether or not they hold crypto. Then extend into digital asset Transfer on Death and, where appropriate, Hokan’s seedless wallet for clients who hold and transact crypto today.

Registry & ToD workflow

Digital registry and Transfer on Death for passwords and files.

Crypto succession

Add self-custodied digital asset succession to the workflow.

Hokan live-use tier

Offer Hokan as the live daily-security tier for active crypto holders.

Schedule Fiduciary Walkthrough

Walkthrough includes: operating model review · governance & role design · risk and compliance Q&A · pilot structure for your first client cohort

  • Shielded by Lokblok
  • U.S. Patent 12,438,716 B2
  • FIPS 140-3 Level 3
  • Quantum-Resistant (NIST 2024)
  • SOC 2 Type II In Progress