Feature
Estate planning for digital assets.
A policy-bound, identity-verified mechanism to transfer a private key, or asset access, upon a defined event such as death. Locked until the trigger event is verified. Not accessible before. Not lost after.
The Problem
An estimated $140B in crypto assets are permanently lost due to death.
When someone dies, their digital assets can become inaccessible. Seed phrases written on paper may be lost. Hardware wallets may be locked. Exchange accounts may be closed by the platform. Families are left without recourse.
Traditional approaches, writing down a seed phrase or leaving instructions with a lawyer, all require storing a secret somewhere. Anyone who finds it before the designated time can take the assets. Anyone who doesn't find it after loses them forever.
The Lokblok® Answer
Transfer on Death uses Phantom Secrets™ policy-bound reconstruction. The key can only be reconstructed when the defined trigger event is cryptographically verified, and not a moment before.
How It Works
Policy binding and identity verification working together.
Estate Plan Defined
The asset owner defines beneficiaries, trigger conditions, and quorum requirements using the Phantom Secrets™ policy engine. This is cryptographically embedded, not just a document.
Regen Tokens Published
Public Regen Tokens are generated and published. They contain no information about the key, but enable reconstruction when conditions are met.
Trigger Event Occurs
Upon the owner's death, the designated verification process begins. Identity attestations from designated parties confirm the event.
Event Verified
The quorum of independent verification participants confirms the trigger event through cryptographic attestation.
Key Reconstructed
With conditions met, the key is reconstructed inside Toughkey™ hardware. The beneficiary can now access the assets.
Key Properties
Secure before. Accessible after.
Cannot Be Accessed Early
Beneficiaries cannot access assets before the trigger event, even if they find the Regen Tokens. The policy prevents reconstruction until conditions are met.
Cannot Be Lost
No seed phrase to lose. No hardware wallet to misplace. The Regen Tokens are public and can be stored in multiple locations without security risk.
Cannot Be Stolen
No stored secret means no target for theft. An attacker who compromises your storage finds nothing of cryptographic value.
Legally Complementary
Works alongside traditional estate documents. The cryptographic transfer can be configured to align with legal and probate processes.
Why This Matters
Digital assets shouldn't die with their owner.
White Paper: Transfer on Death, Legal and Technical Framework
Technical specification covering policy binding, event verification, and integration with legal estate planning frameworks.
Request White Paper