Solution

The moment keys are needed most… they're gone.

Digital assets don't disappear at death. Access does. Lokblok^® resolves the fundamental paradox of digital inheritance: ownership during life and access at death, without ever storing the key.

THE PROBLEM

Digital wealth has outpaced the systems designed to manage it.

Private keys are held solely by the individual. No one else has access. And no safe way exists to share them. This creates a brutal trade-off with no good answer.

Option 1

Share the keys

Lose control during life
Create theft and misuse risk
Expose sovereignty prematurely

Option 2

Keep them private

Assets become inaccessible at death
Families lose everything
No mechanism for recovery

The industry workarounds. They are all terrible.

Each introduces new risks that make the problem worse, not better.

Writing seed phrases down

→ Theft or physical loss

Storing keys in vaults

→ Custody liability

Sharing credentials with family

→ Loss of sovereignty

Using custodians

→ Counterparty exposure

Traditional estate frameworks assume assets can be accessed by institutions, that executors can retrieve accounts, and that legal authority enables control. None of that applies to digital assets. Platforms cannot override keys. Trustees cannot access wallets. Legal authority ≠ technical access.

THE LOKBLOK MODEL

Ownership during life.
Access at death.

Lokblok removes the trade-off entirely. Using Phantom Secrets™, the original key is never stored. It is transformed into distributed cryptographic commitments. No single party holds access. No recovery material exists.

The original key is never stored

Transformed into distributed cryptographic commitments

No single party holds access

No recovery material exists anywhere

Key reconstructed only at the moment of use

Only when defined conditions are met

Only inside secure hardware

How It Works

Client defines control

Chooses Recovery Agents (people or devices), defines threshold (e.g. 3 of 5), and appoints a trustee or executor.

Key is transformed

No storage. No backup. No escrow. The original key is cryptographically dissolved. It cannot be reconstructed by anyone before conditions are met.

Pre-authorised transfer on death

The client defines beneficiaries, asset distribution, and trustee authority, all cryptographically signed in advance.

Death event is verified

Biometric and multi-source verification via ToughID™. Prevents false or premature triggers. No one can claim access early.

Reconstruction & transfer

Recovery Agent quorum participates. Key is reconstructed inside secure hardware. Trustee becomes the legitimate owner. No Recovery Agent ever sees the key.

WHAT THIS SOLVES

Every problem. Resolved at the root.

No loss of assets

Keys are recoverable when needed

The key can be reconstructed by the correct quorum when conditions are met. Assets are never permanently inaccessible.

No exposure during life

No one holds access prematurely

Nothing exists that can be stolen, compelled, or subpoenaed before the defined conditions are met.

No custody liability

Trustees never hold keys before death

Institutions can offer inheritance services without ever taking custody of assets. No counterparty risk during the client's lifetime.

No manual workarounds

No seed phrases, no unsafe storage

Every step is cryptographically signed, automated, and court-defensible. No reliance on informal processes or physical backups.

FULL LIFECYCLE COVERAGE

From ownership to transfer, with no exposure at any stage.

During Lifetime

Full ownership retained
No external access
Key cannot be reconstructed by anyone

Incapacity

Power of Attorney workflows
Recovery without device access
Quorum and hardware verification required

At Death

Verified, automated transfer
Death cryptographically attested
Trustee gains legal and technical control

Post-Transfer

Assets distributed to beneficiaries
Beneficiaries onboarded
Immutable court-defensible audit trail

WHY THIS MATTERS FOR INSTITUTIONS

The infrastructure for a new asset class of client.

Trust Companies & Fiduciaries

No custody risk during client's lifetime
Executable estate workflows
Court-defensible cryptographic audit trail

Family Offices

Multi-generational asset visibility
Structured inheritance planning
No reliance on informal or manual processes

Wealth Managers

Retain client relationships across generations
Integrate digital assets into estate planning
Compliant with succession law frameworks

Regulatory & Legal Alignment

Compatible with succession law frameworks · Supports fiduciary obligations · Provides immutable audit trails · Every action is cryptographically signed, verifiable, and court-defensible.

COMPARED TO EXISTING MODELS