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.
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.
LI
#1 of 9 · published ranking
Liana (Wizardsardine)
81ChainChoice Score
4199
Why it leads
Liana (Wizardsardine) scores higher than everything else in this ranking on its recovery without the vendor and its trigger enforcement and wrongful release.
Show the arithmetic
Best in this ranking on recovery without the vendor and trigger enforcement and wrongful release
Cost
Not priced· No comparable price is published
ReviewedNext review by Published Methodology v2026.11.1
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.
No provider can pay for a position in this table. The code that computes this order cannot read which links carry a referral code, and every build proves it. Every score below rebuilds from the published criteria.Ranking v2026.11.1 · 4 criteria · 9 products · same inputs, same order
How we review · 9 ranked of 16 assessed · 4 criteria · 0 sponsor weight
How we review
9ranked
16assessed
4criteria
0sponsor weight
Recommendation first, comparison only if needed.
Reviewed and rechecked on the current cycle.
Commercial relationships disclosed before clickout.
Personal comparison
Key Recovery & Inheritance ranked comparison
No comparable price is published; ranking still uses verified product evidence.
Recovery without the vendor — 10/10Trade-off: The thing that will actually bite is that a Liana inheritance plan has TWO failure mo...
81score
Check availability for your country
Liana (Wizardsardine) · lianawallet.com. Provider links appear once we know which country you are browsing from: ChainChoice links to providers only where it serves in full.
Commission: This provider pays ChainChoice nothing for this link. Disclosure
Crypto products are high risk. Check the provider is authorised where you live before you deposit.
2
NunchukZero-KYC Bitcoin-only collaborative-cus...
Recovery without the vendor — 9/10Trade-off: You pay $480/year once and then make a one-way choice the price page mentions only in...
72score
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Nunchuk · nunchuk.io. Provider links appear once we know which country you are browsing from: ChainChoice links to providers only where it serves in full.
Commission: This provider pays ChainChoice nothing for this link. Disclosure
Crypto products are high risk. Check the provider is authorised where you live before you deposit.
3
CasaCollaborative 2-of-3 / 3-of-5 multisig...
Lifetime cost and lapse — 7/10Trade-off: The heir you chose does not, on Casa's own published key-split, hold enough keys to s...
63score
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Casa · casa.io. Provider links appear once we know which country you are browsing from: ChainChoice links to providers only where it serves in full.
Commission: This provider pays ChainChoice nothing for this link. Disclosure
Crypto products are high risk. Check the provider is authorised where you live before you deposit.
Lifetime cost and lapse — 6/10Trade-off: You will pay $29.99 a month — about $360 a year, roughly $3,600 a decade — for a prom...
60score
Check availability for your country
Vault12 Guard · vault12.com. Provider links appear once we know which country you are browsing from: ChainChoice links to providers only where it serves in full.
Commission: This provider pays ChainChoice nothing for this link. Disclosure
Crypto products are high risk. Check the provider is authorised where you live before you deposit.
Trigger enforcement and wrongful release — 6/10Trade-off: The person you named can start your six-month death clock on any ordinary Tuesday, fo...
54score
Check availability for your country
Bitkey (Block) · bitkey.world. Provider links appear once we know which country you are browsing from: ChainChoice links to providers only where it serves in full.
Commission: This provider pays ChainChoice nothing for this link. Disclosure
Crypto products are high risk. Check the provider is authorised where you live before you deposit.
Recovery without the vendor — 9/10Trade-off: You pay for a plan whose last mile you still have to build yourself — and the vendor...
49score
Check availability for your country
Unchained · unchained.com. Provider links appear once we know which country you are browsing from: ChainChoice links to providers only where it serves in full.
Commission: This provider pays ChainChoice nothing for this link. Disclosure
Crypto products are high risk. Check the provider is authorised where you live before you deposit.
3 more assessed and ranked below — none of them hidden for commercial reasons.
Ranked on 4 published criteria weighted 32/28/24/16, which set goal alignment — 30 of the 86 points. The rest: regional access 20, evidence depth 18 (constant here), ease of use 10 (constant here), institutional trust 8 (constant here). Profile match is shown in breakdowns but carries no weight.
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%).
Audit
Infrastructure
Methodology
2026.11.1
published 10 November 2026
Providers tracked
860+
across 121 categories
Last verified
28 October 2026
newest dated pricing or sentiment read
Named on the roster
2 people
managing directors · 6 automated processes
Decision guide
What matters most before choosing in this category
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.
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?
Current engine lead
The #1 overall and the scoring weights
LI
Liana (Wizardsardine)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.
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 forRecovery without the vendor — 10/10
Main tradeoffThe 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/, 17 August 2026). 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/, 17 August 2026). 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 signupLiana 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. Please note that technical support is not provided." Business tier, read on https://lianawallet.com/business/prices/ 2026-09-28: "Ongoing Service" "0.016% /mo." "Billed monthly or annually"; "Onboarding packages" — "Standard" "0.02 BTC (one-off)"; "Bespoke from" "0.1 BTC (one-off)"; "Up to 10 hours of specialist consultation (extra hours billed at 0.005 BTC per hour)". The homepage (https://lianawallet.com/, 28 September 2026) states the base of the percentage: "0.016%" "of bitcoin secured /month". NOT PUBLISHED: the optional insured Safety Net has no price on https://lianawallet.com/business/prices/ or https://lianawallet.com/business/ (both read 28 September 2026).
Weighted criteria
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%
Methodology
How this category is reviewed
Ranked on four questions: If this company is gone in twenty years, can the person I chose still move the coins? What actually makes the handover happen — code, a contract, or somebody's goodwill? And who can start it without me? If this fails, who is actually on the hook — and can I find their number in a register? What does this cost me every year until I die, and what happens to my heir if I stop paying?
The order on this page is the published ranking for this category. Every criterion, weight and source behind it is on the methodology page.
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.
Reviewed28 October 2026Method4 criteriaCategorykey_recovery
Not financial advice · For informational purposes only · Always do your own research
