Families & long-term holders
Crypto inheritance and family wallet security
Protect it now. Make sure it reaches them later.
The two nightmares of self-custody are losing the keys and leaving your family locked out. Billions in crypto are already stranded behind seed phrases nobody can find — and the custodial alternative just swaps those risks for someone else's.
SpendTheBits removes the single point of failure without adding a custodian: guardians you choose can help you recover, heirs you name can eventually claim, and until then a stack of on-device defenses keeps everyday mistakes from becoming losses.
How it plays out
A week on SpendTheBits
- 1
Guardians replace the fragile piece of paper
Social recovery splits your secret into Shamir shares held by people you trust. Recovery needs an M-of-N threshold and is always owner-cancellable — a rogue guardian alone can do nothing, and the server only ever stores ciphertext.
- 2
Inheritance runs on a dead-man's-switch
Name heirs and a silence period. While you check in, nothing moves — the moment you tap, any pending claim cancels. Only after a long, configurable silence can heirs complete a claim. No lawyer holds a seed phrase in a drawer.
- 3
Guardrails and a decoy for the worst day
Per-transaction caps, daily limits, quiet hours and new-recipient cooldowns blunt both scams and coercion; a one-tap freeze stops everything instantly; and a decoy wallet can show a small balance under duress while the real one stays hidden.
- 4
Scam protection that runs before you sign
Recipient risk-screening, an address-poisoning guard, clear-signing, and quarantine of unverified scam tokens mean the balance you see is real and the address you pay is the one you meant.
The features doing the work
Questions & answers
Families & long-term holders: common questions
What happens to my crypto if something happens to me?+
SpendTheBits includes a dead-man's-switch inheritance flow: you name heirs and a silence period, and only after that period of no check-ins can heirs complete a claim. Until then, any claim attempt is visible and cancellable by you.
Can my guardians steal my funds?+
No. No single guardian holds enough to do anything — recovery requires an M-of-N threshold of Shamir shares, is owner-cancellable while you still have access, and the backend stores only ciphertext.
I'm worried about scams. How does the app protect a less technical family member?+
Multiple layers run before anything is signed: recipient risk-screening, an address-poisoning guard, clear-signing that shows exactly what a transaction does, quarantine of fake tokens, plus spending caps, quiet hours, and a one-tap freeze.
Keep learning
Free on iOS and Android. Your keys from minute one.