Key Recovery & Inheritance
Key recovery and inheritance services evaluated on whether your heir can move the coins with the vendor gone, what actually enforces the handover, who is on the hook in a public register, and what a lapsed payment does to the plan.
16providers tracked
9ranked (methodology v2026.11.1)
12 November 2026Ranking snapshot
28 October 2026oldest read · due 12 DecIndependent. Evidence-based.We rank with a published method and sourced evidence. No one can pay to rank.How it works
Set your country and amount to see your costs ·
Your setup
What your country changes
Pick a country to see which key recovery & inheritance services serve it. Nothing is hidden — any that does not is listed with that reason.- 🇺🇸 United States
- 🇨🇦 Canada
- 🇲🇽 Mexico
- 🇬🇧 United Kingdom
- 🇩🇪 Germany
- 🇫🇷 France
- 🇮🇹 Italy
- 🇪🇸 Spain
- 🇳🇱 Netherlands
- 🇨🇭 Switzerland
- 🇸🇪 Sweden
- 🇳🇴 Norway
This affects provider availability.
Requirements (0)
Preferences (0)
Preferences re-weight Fit for you, which needs your country.
More filters
Funding & access
9 providers match your requirements
Out of 9 ranked providers. 0 excluded.
What this ranks
Ranked here: key recovery and inheritance services, which promise that the person you chose can move your coins when you are dead, incapacitated or locked out.Not ranked here: recovery features of wallets, MPC wallets and smart accounts already ranked on those pages, and services that have pivoted to an empty shell or whose pages cannot be loaded.9 of the 16 assessed are ranked; 7 were turned away by name. Who, and whyRequirements narrow the list; they never change a published ChainChoice Score. How the ranking works
LI
Liana (Wizardsardine)
How Liana (Wizardsardine) was chosen
Leads this ranking on What actually makes the handover happen — code, a contract, or somebody's goodwill? And who can start it without me?Open-source Bitcoin wallet
81 / 100 out of 100published score, #1 of all 9 worldwide
Evidence
High
4/4 criteria scored, with 4 dated sources quoted.Recovery without the vendorLifetime cost and lapseTrigger enforcement and wrongful release
Why it leads
- Liana (Wizardsardine) is 9 points ahead of Nunchuk, mainly because it scores higher on its trigger enforcement and wrongful release and its lifetime cost and lapse.
- Best in this ranking on recovery without the vendor and trigger enforcement and wrongful release
- Ahead of Nunchuk on trigger enforcement and wrongful release (+3.5 points) and lifetime cost and lapse (+2.0 points)
Tradeoff
Who is on the hook: 3 points below the best in this ranking
Share
#ProviderPriceCompare
2
Zero-KYC Bitcoin-only collaborative-custody...
72 / 100 out of 100
3
Collaborative 2-of-3 / 3-of-5 multisig...
63 / 100 out of 100
4
Non-custodial Shamir-sharded seed-phrase vault...
60 / 100 out of 100
5
Block's seed-phrase-free 2-of-3 bitcoin...
54 / 100 out of 100
6
UN
US-only collaborative-custody bitcoin platform...
49 / 100 out of 100
7
BC
Open-source Bitcoin multisig app
47 / 100 out of 100
8
An ID-based subscription backup of the Secret...
46 / 100 out of 100
9
AN
Lloyd's-of-London-coverholder Bitcoin custody...
≤41 / 100 out of 100
Compare providers (0)
See key differences in features, fees, security and more.
Lifetime cost and lapse
What does this cost me every year until I die, and what happens to my heir if I stop paying?
16% of the published criteria weight. Scored 0–10 from the published evidence; the order below is by this criterion, then the published ranking.
| Provider | Lifetime cost and lapse (0–10) | ChainChoice Score |
|---|---|---|
| Liana (Wizardsardine) | 10 | 81 |
| Nunchuk | 8 | 72 |
| Bitcoin Keeper (BitHyve) | 8 | 47 |
| Casa | 7 | 63 |
| Ledger Recover | 7 | 46 |
| Vault12 Guard | 6 | 60 |
| Bitkey (Block) | 6 | 54 |
| Unchained | 6 | 49 |
| AnchorWatch | 4 | 41 |
Recovery without the vendor
If this company is gone in twenty years, can the person I chose still move the coins?
32% of the published criteria weight. Scored 0–10 from the published evidence; the order below is by this criterion, then the published ranking.
| Provider | Recovery without the vendor (0–10) | ChainChoice Score |
|---|---|---|
| Liana (Wizardsardine) | 10 | 81 |
| Nunchuk | 9 | 72 |
| Unchained | 9 | 49 |
| Casa | 6 | 63 |
| Bitcoin Keeper (BitHyve) | 6 | 47 |
| AnchorWatch | 6 | 41 |
| Vault12 Guard | 5 | 60 |
| Bitkey (Block) | 3 | 54 |
| Ledger Recover | 3 | 46 |
Trigger enforcement and wrongful release
What actually makes the handover happen — code, a contract, or somebody's goodwill? And who can start it without me?
28% of the published criteria weight. Scored 0–10 from the published evidence; the order below is by this criterion, then the published ranking.
| Provider | Trigger enforcement and wrongful release (0–10) | ChainChoice Score |
|---|---|---|
| Liana (Wizardsardine) | 9 | 81 |
| Nunchuk | 7 | 72 |
| Bitcoin Keeper (BitHyve) | 7 | 47 |
| Bitkey (Block) | 6 | 54 |
| Casa | 5 | 63 |
| Vault12 Guard | 5 | 60 |
| Unchained | 4 | 49 |
| AnchorWatch | 3 | 41 |
| Ledger Recover | 0 | 46 |
Who is on the hook
If this fails, who is actually on the hook — and can I find their number in a register?
24% of the published criteria weight. Scored 0–10 from the published evidence; the order below is by this criterion, then the published ranking.
| Provider | Who is on the hook (0–10) | ChainChoice Score |
|---|---|---|
| AnchorWatch | 8 | 41 |
| Unchained | 7 | 49 |
| Ledger Recover | 7 | 46 |
| Bitkey (Block) | 6 | 54 |
| Liana (Wizardsardine) | 5 | 81 |
| Casa | 5 | 63 |
| Vault12 Guard | 5 | 60 |
| Bitcoin Keeper (BitHyve) | 5 | 47 |
| Nunchuk | 4 | 72 |
All 4 published criteria
Every ranked row’s score on each criterion, in the published order. Choose a column to order by it.
| Provider | ChainChoice Score | |||||
|---|---|---|---|---|---|---|
| 1 | Liana (Wizardsardine) | 10 | 9 | 5 | 10 | 81 |
| 2 | Nunchuk | 9 | 7 | 4 | 8 | 72 |
| 3 | Casa | 6 | 5 | 5 | 7 | 63 |
| 4 | Vault12 Guard | 5 | 5 | 5 | 6 | 60 |
| 5 | Bitkey (Block) | 3 | 6 | 6 | 6 | 54 |
| 6 | Unchained | 9 | 4 | 7 | 6 | 49 |
| 7 | Bitcoin Keeper (BitHyve) | 6 | 7 | 5 | 8 | 47 |
| 8 | Ledger Recover | 3 | 0 | 7 | 7 | 46 |
| 9 | AnchorWatch | 6 | 3 | 8 | 4 | 41 |
How this ranking works
How firm the #1 is, the per-criterion arithmetic behind each score, who pays ChainChoice, and which key recovery & inheritance were assessed and left out.
FirmThis verdict holds under every one-point re-read
See the arithmetic
Every published criterion was moved up and down by one point and the ranking re-run. The same product came first each time. The published rankings file
Why this score4 published criteria · leads 3 of 4
Published criterionWtScore, and the best hereGap/10 out of 10Pts
If this company is gone in twenty years, can the person I chose still move the coins?7.7·1010.2
What actually makes the handover happen — code, a contract, or somebody's goodwill? And who can start it without me?6.7·98.1
If this fails, who is actually on the hook — and can I find their number in a register?5.8−353.8
What does this cost me every year until I die, and what happens to my heir if I stop paying?3.8·105.1
Σ methodology points27.3/32
Each bar is the score on that criterion’s own 0–10 scale, never rescaled to the pool. The dark line is the best any product here reached on that axis. Wt is the most the criterion can add to the 86-point weighted total. Pts is weight × score × 32; the sum is the methodology score, and each weighted point behind the leader costs 2.6 on the displayed score. how these are weighted
Why it ranks first
Why Liana (Wizardsardine) leads this category right now
Open-source Bitcoin wallet whose inheritance plan is a miniscript output descriptor plus an on-chain timelock — the vendor holds no key, publishes a Bitcoin Core-only recovery procedure, and the individual edition is free. Strongest on “If this company is gone in twenty years, can the person I chose still move the coins?” (10/10): Liana says recovery policies are encoded on the Bitcoin blockchain, not on its servers, and that if Wizardsardine ceased operations any Miniscript-compatible wallet could recover the funds. Its guides tell the owner to export the descriptor at setup and publish a Bitcoin Core recovery procedure. Weakest on “If this fails, who is actually on the hook — and can I find their number in a register?” (5/10): Liana's terms say Wizardsardine cannot recover keys, seed phrases or transactions and is not liable for lost funds, which matches a wallet in which it holds no key. It also sells an optional insured Safety Net through Resolvr without naming an underwriter, a limit or exclusions. Published price: Liana Wallet, Community Edition — the tier that carries the inheritance feature — read on https://lianawallet.com/community/ 2026-09-28: "Liana Wallet, Community Edition is free to download and is designed for everyone to be able to set up and use.
Best for
Recovery without the vendor — 10/10
Main tradeoff
The thing that will actually bite is that a Liana inheritance plan has TWO failure modes no seed-phrase wallet has, and both are chores. First, the descriptor is a second mandatory artefact that cannot be regenerated from the seeds — the vendor says so without softening it: "Without the descriptor, your funds are likely gone." and "Without the descriptor there is no reliable way to reconstruct which addresses belong to your wallet." (https://lianawallet.com/resources/guides/recovering-your-wallet/, 2026-08-17). The heir must be given it, must still have it in twenty years, and must not have thrown it away as gibberish. Second, the plan is armed by INACTIVITY, so staying alive is an ongoing on-chain obligation: "The timelock only matures if your wallet is completely inactive for the full configured period. To prevent this during your lifetime, make at least one transaction (send, receive, or a refresh sweep to yourself) before the timelock expires." (https://lianawallet.com/resources/guides/inheritance/, 2026-08-17). Miss a refresh sweep while hospitalised or travelling and the heir's key goes live while you are alive, with no human anywhere in the system able to stop it — which is precisely the price of the vendor-independence that scores this product a 10 on the first criterion.
Verify before signup
Liana Wallet, Community Edition — the tier that carries the inheritance feature — read on https://
Recommendation summary
What should decide this category
If this company is gone in twenty years, can your heir move the coins without it?
What actually makes the handover happen — a timelock, a contract, or somebody reviewing a document?
Can your executor look the counterparty up in a public register, and does the plan survive a lapsed payment?
Quick picks
Strong options in this category
Start with the lead choice first, then use the shortlist only if you still need a challenger or stronger fit for a specific setup.
Best overall
LI
Liana (Wizardsardine)
Open-source Bitcoin wallet whose inheritance plan is a miniscript output descriptor plus an on-chain timelock — the vendor holds no key, publishes a Bitcoin Core-only recovery procedure, and the individual edition is free.
Open-source Bitcoin wallet whose inheritance plan is a miniscript output descriptor plus an on-chain timelock — the vendor holds no key, publishes a Bitcoin Core-only recovery procedure, and the individual edition is free. Strongest on “If this company is gone in twenty years, can the person I chose still move the coins?” (10/10): Liana says recovery policies are encoded on the Bitcoin blockchain, not on its servers, and that if Wizardsardine ceased operations any Miniscript-compatible wallet could recover the funds. Its guides tell the owner to export the descriptor at setup and publish a Bitcoin Core recovery procedure. Weakest on “If this fails, who is actually on the hook — and can I find their number in a register?” (5/10): Liana's terms say Wizardsardine cannot recover keys, seed phrases or transactions and is not liable for lost funds, which matches a wallet in which it holds no key. It also sells an optional insured Safety Net through Resolvr without naming an underwriter, a limit or exclusions. Published price: Liana Wallet, Community Edition — the tier that carries the inheritance feature — read on https://lianawallet.com/community/ 2026-09-28: "Liana Wallet, Community Edition is free to download and is designed for everyone to be able to set up and use.
Best for: Recovery without the vendor — 10/10
If this company is gone in twenty years, can the person I chose still move the coins? · weight 32%10/10What actually makes the handover happen — code, a contract, or somebody's goodwill? And who can start it without me? · weight 28%9/10If this fails, who is actually on the hook — and can I find their number in a register? · weight 24%5/10What does this cost me every year until I die, and what happens to my heir if I stop paying? · weight 16%10/10
Quick pick
Nunchuk
Zero-KYC Bitcoin-only collaborative-custody multisig whose $480/year Honey Badger plan sells two inheritance protocols under one price: an on-chain Miniscript timelock that drops Nunchuk's Platform Key at expiry and is recoverable in Bitcoin Core or Sparrow from a BSMS file the owner can export at any time, or an off-chain timelock that Nunchuk's own servers enforce and co-sign.
Zero-KYC Bitcoin-only collaborative-custody multisig whose $480/year Honey Badger plan sells two inheritance protocols under one price: an on-chain Miniscript timelock that drops Nunchuk's Platform Key at expiry and is recoverable in Bitcoin Core or Sparrow from a BSMS file the owner can export at any time, or an off-chain timelock that Nunchuk's own servers enforce and co-sign. Strongest on “If this company is gone in twenty years, can the person I chose still move the coins?” (9/10): Nunchuk says any wallet can be recovered from its BSMS backup file in third-party software such as Sparrow or Bitcoin Core, and that its on-chain inheritance protocol executes independently of Nunchuk's existence. The off-chain protocol sold under the same plan carries no such claim. Weakest on “If this fails, who is actually on the hook — and can I find their number in a register?” (4/10): Nunchuk's terms say it is not a broker, money transmitter or financial institution and disclaim liability for whoever presents the Magic Phrase and Backup Password, but name no registered entity, company number, governing law or forum. No licence or insurance is claimed. Published price: Read on https://nunchuk.io/individuals on 2026-09-28: "honey badger" "480 / year" — "Our flagship inheritance package. Choose between maximum autonomy (on-chain timelock) or assisted flexibility (off-chain timelock).
Best for: Recovery without the vendor — 9/10
If this company is gone in twenty years, can the person I chose still move the coins? · weight 32%9/10What actually makes the handover happen — code, a contract, or somebody's goodwill? And who can start it without me? · weight 28%7/10If this fails, who is actually on the hook — and can I find their number in a register? · weight 24%4/10What does this cost me every year until I die, and what happens to my heir if I stop paying? · weight 16%8/10
Quick pick
Casa
Collaborative 2-of-3 / 3-of-5 multisig membership whose inheritance feature shares copies of the owner's keys with a named Recipient and releases them after a fixed, Casa-run six-month verification period the owner can veto — with a fully published Sovereign Recovery path (descriptors, Sparrow, Electrum, Bitcoin Core, Safe) that works without Casa for the OWNER, but not, on Casa's own key-split, for the heir.
Collaborative 2-of-3 / 3-of-5 multisig membership whose inheritance feature shares copies of the owner's keys with a named Recipient and releases them after a fixed, Casa-run six-month verification period the owner can veto — with a fully published Sovereign Recovery path (descriptors, Sparrow, Electrum, Bitcoin Core, Safe) that works without Casa for the OWNER, but not, on Casa's own key-split, for the heir. Strongest on “What does this cost me every year until I die, and what happens to my heir if I stop paying?” (7/10): Casa's Standard membership costs $250 a year with inheritance included. After a lapse there is a 30-day grace period, then the app drops to withdrawal-only mode. Casa publishes no reactivation window or reinstatement fee and says nothing about what a lapse does to a Recipient or an open claim. Weakest on “What actually makes the handover happen — code, a contract, or somebody's goodwill? And who can start it without me?” (5/10): Casa does not verify a death: a Recipient's request opens a six-month period with monthly notices in which the owner can reject it. Enhanced Verification for U.S. Private Clients replaces the six months with manual document review, and a small group of Casa staff applies the recovery-key signature. Published price: casa.io/pricing, read 2026-10-28 (HTTP 200): Standard "30-day free trial" "$250/yr" (its feature list includes "Inheritance"); Premium "$2,100/yr"; Private Client "$7,500/yr", now priced (it read "Custom pricing" on 2026-09-28); the FAQ on the same page:…
Best for: Lifetime cost and lapse — 7/10
If this company is gone in twenty years, can the person I chose still move the coins? · weight 32%6/10What actually makes the handover happen — code, a contract, or somebody's goodwill? And who can start it without me? · weight 28%5/10If this fails, who is actually on the hook — and can I find their number in a register? · weight 24%5/10What does this cost me every year until I die, and what happens to my heir if I stop paying? · weight 16%7/10
Quick pick
Vault12 Guard
Non-custodial Shamir-sharded seed-phrase vault whose inheritance path is a 48-hour owner veto followed by a 2-of-3 guardian quorum reassembling the vault off-line — with a published, MIT-licensed recovery utility that runs without Vault12's servers, but no vendor sentence anywhere about Vault12 itself ceasing to exist.
Non-custodial Shamir-sharded seed-phrase vault whose inheritance path is a 48-hour owner veto followed by a 2-of-3 guardian quorum reassembling the vault off-line — with a published, MIT-licensed recovery utility that runs without Vault12's servers, but no vendor sentence anywhere about Vault12 itself ceasing to exist. Strongest on “What does this cost me every year until I die, and what happens to my heir if I stop paying?” (6/10): Vault12's Inheritance plan costs $29.99 a month after a 30-day trial. Neither its pricing page nor its terms say what happens to the vault, the guardians' shards or the beneficiary designation when payment stops. Weakest on “If this company is gone in twenty years, can the person I chose still move the coins?” (5/10): Vault12's terms point owners to self-service instructions on its public GitHub for reassembling a vault from guardians' shards with an open-source recovery utility. No Vault12 page addresses Vault12 itself ceasing operations, and the heir holds no complete artefact in advance. Published price: Read on https://vault12.com/pricing on 2026-09-28: GUARDIAN "Free forever" "(Invite only)"; BACKUP "19.99" "per month (30 day trial)"; INHERITANCE "29.99" "per month (30 day trial)".
Best for: Lifetime cost and lapse — 6/10
If this company is gone in twenty years, can the person I chose still move the coins? · weight 32%5/10What actually makes the handover happen — code, a contract, or somebody's goodwill? And who can start it without me? · weight 28%5/10If this fails, who is actually on the hook — and can I find their number in a register? · weight 24%5/10What does this cost me every year until I die, and what happens to my heir if I stop paying? · weight 16%6/10
Considered and not ranked
7 products we looked at and left out
A shortlist is only honest if it says who it turned away. Each of these was assessed against the same published criteria as the ranked table and excluded for a stated reason — not overlooked.
We assessed 16 products here and rank 9 — 56% of what we looked at. That share is of the products we assessed, not of the category: how many exist is not something we can count, so we do not claim a number for it.
Zengo· Ranked elsewhereSafe Recovery / social-recovery modules· Ranked elsewhereCoinbase Wallet recovery· Ranked elsewhereSerenity ShieldTrustVerse· Evidence incompleteInheriti (SafeTech)· Evidence incompleteLoopring Smart Wallet
What this ranking does not assess
- Custody failure: whoever holds the assets loses or withholds them.
- Key failure: your own keys are made, shown or recovered unsafely.
- Information failure: the number is wrong or bought, or your data leaks.
These can still cost you money here; the ranking does not measure them, so a high place says nothing about them. Which criterion scores each family, and why the others do not apply, is in /data/risk-coverage.json.
How this ranking is built
Ranked on four questions
- If this company is gone in twenty years, can the person I chose still move the coins? · 32%
- What actually makes the handover happen — code, a contract, or somebody's goodwill? And who can start it without me? · 28%
- If this fails, who is actually on the hook — and can I find their number in a register? · 24%
- What does this cost me every year until I die, and what happens to my heir if I stop paying? · 16%
Data checked Oct 2026 · Independent rankings · We show our work
How this page is reviewed
Reviewed means every product ranked on this page was read against its sources on or after that date; every ranked category is re-read at least every 45 days. Models research, extract and parse. A deterministic engine ranks. Every quote passes an adversarial refute pass.
Accountable for this review: Mathias Siemonsmeier, Founder.
How we review · Review calendar · Corrections log · How we make money
Direct answer
What is the best key recovery & inheritance service in 2026?
Liana (Wizardsardine) ranks #1 overall for key recovery & inheritance on ChainChoice. Open-source Bitcoin wallet whose inheritance plan is a miniscript output descriptor plus an on-chain timelock — the vendor holds no key, publishes a Bitcoin Core-only recovery procedure, and the individual edition is free. It holds that rank under an affiliate-blind methodology scored across 4 published, weighted criteria — the code that ranks providers physically cannot read affiliate payouts (CI-enforced), so a payout can't move a rank. The verdict re-computes on every fee change, incident, or regulatory action; the full reasoning and the audit receipt are under Methodology.
How you can lose money here, and what the ranking scores
- Control failure: a key or vote changes the rules, freezes or mints.Scored by What actually makes the handover happen — code, a contract, or somebody's goodwill? And who can start it without me? · 28% (Liana (Wizardsardine) 9/10, Nunchuk 7/10, Casa 5/10)
- Execution failure: you get a worse price, later, or nothing.Scored by If this fails, who is actually on the hook — and can I find their number in a register? · 24% (Liana (Wizardsardine) 5/10, Nunchuk 4/10, Casa 5/10)
- Exit failure: you cannot get out at par, on time, or with what is yours.Scored by If this company is gone in twenty years, can the person I chose still move the coins? · 32% (Liana (Wizardsardine) 10/10, Nunchuk 9/10, Casa 6/10)
Not assessed by this ranking: Custody failure, Key failure, Information failure. A high place says nothing about these; the Methodology tab says what each means.
Also scored, as cost, quality or a summary of several families: What does this cost me every year until I die, and what happens to my heir if I stop paying? (16%).
FAQs
3 questions readers ask before choosing key recovery & inheritance.
Frequently asked
Questions people ask before choosing key recovery
Is this not just a backup? I already write my seed down.
A backup answers 'I lost my device'. This answers 'I am dead, incapacitated, or locked out for a decade' — and those need different machinery. A seed in a safe still requires somebody to find it, know what it is, and be legally and practically able to act on it. Every product ranked here adds a second party or a second rule: a co-signer, a timelock, a named heir, an executor process. Metal plates and phrase durability are scored in seed_backup, on their own axes; nothing about survivorship is scored there and nothing about fire is scored here.
Why is the trigger weighted so heavily when everyone advertises the recovery?
Because the trigger is where the pool actually differs, and it is the axis nobody markets. Only one of the nine makes the handover fire on its own, through a rule that executes without anyone approving it. Five of nine score at or below the midpoint, because the handover runs on a document review a person at the vendor has to accept — two of them require a death certificate. A mechanism that fires on its own and a mechanism that fires when a support desk agrees are sold with identical language and are not the same product.
Does a licence or an insurance policy mean my heirs are protected?
Not by itself, and this category is where the distinction bites. Eight of the nine hold no licence relevant to key custody at all. The ninth carries an SEC adviser registration that its own record states is not a licence for holding keys. Insurance is a different thing again: a genuine Lloyd's coverholder placement is real and was verified against the Lloyd's market directory rather than the vendor's own claim — but an insurance placement is not a licence, and cover for the custodian is not a promise your heir can enforce. What you can check is whether the entity resolves in a public register at all.
Free advisor·No signup needed
Still unsure? Get your best key recovery pick
Answer a few quick questions and get one clear recommendation based on how you actually plan to use crypto — then review the evidence before deciding.
No signup·Free first pass · Private·No spam · No account
Not financial advice · Independent · Always do your own research
Best picks
Best key recovery & inheritance in 2026
Weighted on recovery without the vendor (32), what enforces the handover (28), who is on the hook (24), and lifetime cost and lapse (16). The heaviest is survivorship: whether the person you chose can move the coins with no server, no support desk and no proprietary app still running. The most uncomfortable number is on the second axis — only one of the nine makes the handover fire on its own, and five of nine leave it to a document review a human at the vendor has to approve. Two require a death certificate. That is the difference between a rule and a promise, and it is not on anyone marketing page.
Best overall
LI
Liana (Wizardsardine)
Open-source Bitcoin wallet whose inheritance plan is a miniscript output descriptor plus an on-chain timelock — the vendor holds no key, publishes a Bitcoin Core-only recovery procedure, and the individual edition is free.
Data checked Oct 2026
Open-source Bitcoin wallet whose inheritance plan is a miniscript output descriptor plus an on-chain timelock — the vendor holds no key, publishes a Bitcoin Core-only recovery procedure, and the individual edition is free. Strongest on “If this company is gone in twenty years, can the person I chose still move the coins?” (10/10): Liana says recovery policies are encoded on the Bitcoin blockchain, not on its servers, and that if Wizardsardine ceased operations any Miniscript-compatible wallet could recover the funds. Its guides tell the owner to export the descriptor at setup and publish a Bitcoin Core recovery procedure. Weakest on “If this fails, who is actually on the hook — and can I find their number in a register?” (5/10): Liana's terms say Wizardsardine cannot recover keys, seed phrases or transactions and is not liable for lost funds, which matches a wallet in which it holds no key. It also sells an optional insured Safety Net through Resolvr without naming an underwriter, a limit or exclusions. Published price: Liana Wallet, Community Edition — the tier that carries the inheritance feature — read on https://lianawallet.com/community/ 2026-09-28: "Liana Wallet, Community Edition is free to download and is designed for everyone to be able to set up and use.
Best for: Recovery without the vendor — 10/10
Browse this network
MS
Written and reviewed by Mathias Siemonsmeier, Founder
Not financial advice · For informational purposes only · Always do your own research