Not to death, not to forgetting, not to thieves. Money today assumes its owner is alive, present, and remembers everything. Heirloom removes that assumption — so funds never get stranded.
One signature — any transaction counts — resets everything. Silence escalates: nag → guardians → care mode → claimable.
The cause never matters — a forgotten seed phrase, a death, a stolen device, a deprecated AI agent, a founder who held the only key. The outcome is identical: the owner can no longer sign, and the money strands forever.
Any activity resets the clock. Silence escalates — slowly, loudly, and always reversibly by one signature from the owner.
Any transaction is a heartbeat. Travel, hospital, prison — declare a pause in advance and the clock waits.
Email and Telegram reminders. Most stories end here.
Your M-of-N circle is notified. They can propose rotating the vault to a new key — recovery for a forgotten seed — behind a 7-day timelock you can always veto.
A designated guardian gets capped monthly spending for essentials — not the keys. Instantly revoked by any owner activity.
Beneficiaries claim in your order: your own backup wallet first, then family, then a charity sink. Unclaimed tiers cascade — funds can never dead-end.
Recovery, inheritance, incapacity, continuity, and agent cleanup are the same contract seen from five directions.
Guardians rotate the vault to your new key. The lock changes — the house doesn't. No seed phrase required, ever again.
A non-crypto heir claims through an email link and receives dollars, not jargon. An encrypted note from you decrypts only on claim.
Bills get paid by someone you chose, within limits you set, while you keep the keys.
Org funds cascade to a co-founder multisig instead of dying with one person. The QuadrigaCX problem, closed.
An agent stops heartbeating — deprecated, crashed, abandoned — and its treasury walks home to the operator.
"The lock changed.
The house didn't."
Every configuration change — heirs, guardians, timings — takes a 7-day timelock with notification and owner veto. A thief with your key cannot silently redirect your safety net. Guardians can propose; only contracts move funds.
Both vaults are deployed, source-verified, and have run a full lifecycle on-chain — including an assisted claim, where a helper with no role triggered the payout and the registered heir received the funds.
Real ladder — 90 / 180 / 270 / 365 days. Source verified.
Seconds-scale tiers so the cascade can be watched end to end. Demo-only — not a safety net.
A helper triggered the claim. The heir was paid; the helper gained nothing and paid the gas.