Cryptocurrency and Digital Finance

Money you control yourself is the hardest part of a digital estate. A cryptocurrency wallet is not held by a bank — it is unlocked only by a secret private key. There is no help desk, no password reset, no manager who can vouch for your heirs.

Crypto is the extreme case, but ordinary money hides the same trap. Subscriptions, online banking, brokerage accounts, payment apps — each one needs its own login, and most live only on your phone and in your head.