Bitcoin inheritance & security · English / Español
Your attorney writes the plan. We make sure the bitcoin can follow it.
I'm Dalia Platt, a bilingual security adviser at The Bitcoin Adviser. We work alongside family offices, CPAs, estate, tax and family-law attorneys and notaries, so the bitcoin their clients hold can actually be secured, recovered and inherited. We don't give legal, tax or investment advice. That stays with them.
Dalia PlattAdviser · The Bitcoin Adviser · Americas
The Bitcoin Adviser
- Since 2016 in collaborative security
- Global adviser network
Deciding who inherits is not the same as being able to move it.
A will, a trust or a court can settle who is entitled to bitcoin. None of them can sign a transaction. If the only person who can move it has died, lost capacity or won't cooperate, the plan stays on paper. That operational layer is usually nobody's job on the client's team. It's the only part we work on.
Attorney · Notary
Who is entitled, and on what terms
Wills, trusts, foundations, forced-heirship shares, prenups, divorce settlements.
Stays with you
CPA · Tax adviser
What it costs, and how it's reported
Cost basis, estate and income tax, cross-border reporting.
Stays with you
Family office · Wealth adviser
How it fits the whole picture
Allocation, governance, reporting, coordination with the family's other advisers.
Stays with you
Dalia · TBA
Making sure the right people can sign
Key architecture, the Estate Plan Protocol, recovery, and making sure heirs can act.
Our only lane
Your lane stays yours. We fill the one that is usually empty.
Two of three keys. The client stays in control.
- 1
Only you can initiate a transaction through your secure vault account.Neither The Bitcoin Adviser nor the platform provider can initiate transactions through the normal platform workflow.
- 2
No single party can move the funds alone.Nobody holds two keys.
- 3
Losing one key does not lose the bitcoin.Any two of the three recover it.
- 4
An Estate Plan Protocol from day one.At signup the client names beneficiaries and sets out what happens if they can no longer act. Every contract is individualised.
TBA is provider-agnostic. For bitcoin inside a US IRA, TBA works alongside Advanta Trust, the IRA custodian, and River, the exchange partner. See Bitcoin IRA.
Bring us in on the technical side. Keep everything else.
01
Your client stays your client.
We don't draft documents or give legal, tax or investment advice, and we don't steer your client toward other professionals.
02
Facts your documents can rely on.
Who holds which key, what happens on death or incapacity, how recovery works, explained plainly and documented through the Estate Plan Protocol.
03
In your language, with you in the room.
Joint calls in English or Spanish, with or without your client. Nothing happens behind your back.
04
No arrangement required.
Working together never depends on a referral agreement. If your rules allow it and you want one, TBA's partner program is explained below.
Three ways to work together
Bring us a client situation
A 30-minute call about one client, anonymised is fine, to see whether collaborative security fits before anyone is introduced.
A briefing for your team
45 minutes, in English or Spanish, on where bitcoin security meets estate, tax and family-law practice. No sales pitch.
A technical source for your work
For an article, podcast, seminar or client newsletter: what actually happens, operationally, when a bitcoin holder dies.
What we'll ask you
- Which jurisdictions are involved
- How the bitcoin is held today: an exchange, a hardware wallet, a family member
- Which documents already exist
- Whether your client knows we're talking
What we will never ask
Seed words, private keys or passwords. Not from you, not from your client. Anyone who asks for them is not someone to trust.
Free material you can share with clients
Keep your key. Make sure your family can inherit.
Bitcoin usually sits in one of two places: on an exchange, or with one person who knows how everything works. Either way, the family is exposed if something happens to that person. We help you build a structure your heirs can actually use, coordinated with the attorney or CPA you already trust.
- Inheritance
- Incapacity
- Divorce or separation
- Moving off an exchange
- Family in several countries
- Bitcoin in a US IRA
A first conversation
In English or Spanish. What you hold, who your family is, who advises you.
Map the architecture
Who holds which key, who inherits, what happens if you can't act. If you have an attorney or CPA, we bring them in. If you don't, we'll tell you when you need one.
Set up and document
Your 2-of-3 vault and your Estate Plan Protocol, naming beneficiaries.
Stay ready
Ongoing support as your family, devices and circumstances change.
Pricing is published on TBA's pricing page.
Introductions can be rewarded. They never have to be.
The Bitcoin Adviser's referral program pays partners 10% of the fees of each client they introduce, monthly and in bitcoin, for as long as that client stays. No minimums, no quotas. You make the introduction; TBA handles the security design, onboarding and the client relationship.
Professionals
Attorneys, notaries, CPAs, family offices and wealth advisers whose clients hold bitcoin, where your rules allow it.
Hosts & writers
Podcast hosts, newsletter writers, educators and community organisers whose audience cares about security and inheritance.
Clients & bitcoiners
People who already hold bitcoin, clients included, and know friends or family who should protect theirs properly.
Check your rules first
Rules on accepting referral compensation differ by profession and jurisdiction. Depending on who governs you, you may need to tell the client in writing, get their consent, or decline it. Some attorneys, CPAs with attest clients and fee-only advisers can't accept it at all. If that's you, nothing changes: we work together exactly the same way. Your bar, board or compliance officer is the right person to ask; we can't give that advice.
Plain terms
- Your client pays the same fee whether or not a partner is involved
- Clients you introduce should know you're a partner
- Joining is never a condition of working with us
- Full program terms
To join, start with Dalia. Mention partnering when you book a time or write to her, and she'll introduce you to Stacking Hats, who run partner support at TBA. They take you through the application, the partner agreement and your personal referral page. The people you introduce come to Dalia as their adviser. Full terms are on the referral program page.
Featured conversation
Succession and divorce planning for bitcoin holders
With Ari Good, crypto tax attorney. One episode in English, one in Spanish.
Coming this October
An educator who explains bitcoin security to the people who have to act on it.
- Industrial engineer by training, and a mathematics teacher and tutor for more than twenty years.
- Former curriculum director of Mi Primer Bitcoin in El Salvador, main author of its Bitcoin Diploma, and trainer of the teachers who taught it.
- Adviser at The Bitcoin Adviser, working with families across the Americas in Spanish and English.
- Creator of Bitcoin Sovereign Academy, free, open bitcoin education.
"The question I spend my days on is not who should inherit but who should be technically capable of signing, alone or together, and under what circumstances. The estate plan and the wallet are two halves of one instrument, usually built by people who never speak to each other."
Dalia Platt · from The Sealed Envelope
Writing · coming soon
The Sealed Envelope
A three-part series for estate lawyers and notaries on what happens when forced-heirship law meets self-custodied bitcoin.
What people usually ask first
Will you take over my client relationship?
No. We work on the security side only. Legal, tax and investment decisions stay with you, and we'll include you in any conversation you want to be part of.
Do you give legal or tax advice?
No. The Bitcoin Adviser provides technical education and support for self-custody solutions only. How a structure fits a will, a trust or local succession law is a question for the client's own counsel.
Can TBA move my client's bitcoin?
No. Only you can initiate a transaction through your secure vault account. Neither The Bitcoin Adviser nor the platform provider can initiate transactions through the normal platform workflow, and no single party, TBA included, can move the funds alone.
What happens if the client dies or loses capacity?
Because any two of the three keys can sign, the client's own key is not a single point of failure. The Estate Plan Protocol, set up at signup, names beneficiaries and sets out what happens next.
What about divorce?
In a 2-of-3 vault the bitcoin does not rest on one person's word: no single party can move it alone, and two independent parties are part of the structure. How that is used in an agreement or proceeding is for the family-law attorney to decide.
Do you work outside the United States?
Yes. TBA works with clients worldwide, and Dalia works in Spanish and English across the Americas. Local legal fit is for local counsel, which is exactly why we work with them.
Is there a referral fee?
None is required to work together. For those whose rules allow it, TBA's partner program pays 10% of referred client fees, monthly in bitcoin. The client's fee is the same either way. Details.
Which wallet providers do you use?
Usually Unchained or Theya. TBA is provider-agnostic.
What does it cost?
TBA publishes its pricing on the pricing page. A first conversation with us commits you to nothing.
Can bitcoin in a US IRA use this structure?
Yes. For bitcoin in a US IRA, TBA works alongside Advanta Trust, the IRA custodian, and River, the exchange partner. See Bitcoin IRA.
Book a time with Dalia
30 minutes, in English or Spanish. A first conversation commits you to nothing.
Prefer to write first?
Tell us a little about your situation and Dalia will reply personally. No client names needed.
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Never share seed words, private keys or passwords, here or anywhere. We will never ask for them.
Important. The Bitcoin Adviser provides technical education and support for self-custody Bitcoin solutions only: not financial, investment, tax, or legal advice. Bitcoin carries high risks including total loss.