Bitcoin Inheritance Planning
Most bitcoin holders think they've handled inheritance because they have a will or they've told someone where the wallet is. A complete plan requires more than that. If your plan can't answer these three questions, your family has a gap you haven't seen yet.
We'll review your setup against all three requirements and tell you exactly where you stand.
The Test
Or do they need your hardware device, your PIN, your passphrase, your seed phrase, and the ability to execute a transaction they've never done before?
If the answer involves locating anything, remembering anything, or performing any technical step without experience, your family has an access problem.
Access is what most people think about first. But it's only one of three requirements.
Not a mention in your will. A beneficiary designation is a legal instrument that transfers the asset directly to your named heir upon presentation of a death certificate, bypassing probate entirely.
Most exchanges don't offer this. Coinbase doesn't. If your bitcoin goes through probate, your family is waiting months in court while the price moves and they have no access.
When structured correctly, inherited bitcoin receives a new cost basis at fair market value at the date of death. If you bought at $5,000 and it's worth $200,000 when you pass, your heirs can receive $200,000 as their new basis and owe nothing on the appreciation during your lifetime.
This can save your family hundreds of thousands of dollars. But it only works if the inheritance is structured correctly. Most people don't even know this applies to bitcoin.
The Gaps
A will tells a court what you want. It doesn't give your family access to your bitcoin. It doesn't bypass probate. And it doesn't help your heirs execute a technical recovery they've never practiced.
The inheritance challenge in bitcoin is different from every other asset class because the consequences of failure are permanent. If your family can't access a brokerage account, they call Fidelity. If they can't access a bank account, they go to the branch. If they can't access your bitcoin and there's no plan in place, there is no one to call. The bitcoin is gone.
A complete plan addresses three things: seamless access for your family, legal title that transfers cleanly, and tax-efficient structuring that preserves your family's wealth. Most people have addressed zero or one of these. Almost nobody has addressed all three.
One Account. Three Problems Solved.
Multi-Institution Custody
Onramp in Texas, BitGo Trust in South Dakota, and CoinCover in the UK. Each company holds one key. You need two of three to move your bitcoin. No single company can move your bitcoin, and no single failure can result in a loss.
If Onramp disappears tomorrow, your bitcoin is still recoverable. Your family never depends on one entity.
Every account is insured through Lloyd's of London. Every wallet is segregated and client-titled. Only your bitcoin in your wallet, verifiable on-chain 24/7.
From Our Clients
1,000+ clients trust Onramp with over $1 billion in bitcoin. Our clients are fathers, grandfathers, yacht captains, retirees, and long-term holders just like you, who realized the hardest problem in bitcoin isn't securing it from attackers. It's making sure your family can access it without you.
Included in Every Account
Book a free inheritance assessment with our team. We'll review your current setup against all three requirements (access, legal title, and tax efficiency) and tell you exactly where the gaps are.
No account required. No commitment. You'll speak with a member of our client team directly.