Crypto Security & Crypto Inheritance Planning (UK)

Bitzo is a UK-based, non-custodial coordination service for crypto security and inheritance. We help private clients, families, and professional advisers make sure crypto is recoverable when it matters — without us ever holding keys, seed phrases, or funds.

Explore crypto security, crypto inheritance planning, and how crypto inheritance works. See our UK crypto inheritance guide and crypto inheritance checklist.

Human-led, not algorithm-led

When something happens to you, your family will not be talking to a chatbot. They will be talking to a real UK-based Bitzo specialist who knows your plan, who can verify identity through a recorded call, and who can coordinate with your solicitor, executor, or IFA. We use software where it helps — the Client Portal, the Policy Pack, audit trails — but the recovery process itself is run by humans, on purpose. In an era where AI does most things, this is one process where a person on the phone is the point.

Real UK-based specialists — never chatbots, never offshore call centres.
Recorded video or phone verification at every step in recovery.
Direct coordination with your IFA, solicitor, accountant, or family office.
No algorithmic decisions about your inheritance, your access, or your contacts.

What Bitzo does

We coordinate the people, documentation, and verification needed to recover crypto under planned and unplanned circumstances. Our service is built around three pillars:

Crypto security planning — multi-key architecture, threat modelling, reduced visibility, and recovery readiness for private clients.
Crypto inheritance planning — verified trusted contacts, executor workflows, and documented recovery so digital assets are not lost on death or incapacity.
Adviser support — verification, documentation, and coordination for IFAs, accountants, and solicitors. No advice given. No custody taken.

Who Bitzo is for

UK private clients holding meaningful crypto positions who want to reduce single points of failure.
Families and named executors who need a process that works without crypto expertise.
Professional advisers (IFAs, STEP solicitors, accountants) whose clients hold crypto but who do not want to take operational risk.

How Bitzo is different

Non-custodial by design. We never hold, store, or request seed phrases, private keys, wallet PINs, or exchange passwords. Assets remain under client control at all times.
UK-focused. Process aligns with UK probate, HMRC, and FCA expectations. We do not provide regulated financial, legal, or tax advice.
Audit-ready documentation. Every step, every verification, every recovery action is logged for fiduciary oversight.
Human-led coordination. Real UK-based specialists run the process — not a bot, not an algorithm.

The five-step workflow

Architecture — map current wallets, custody points, and access paths.
Verified contacts — identify and verify trusted people (family, executors, advisers).
Documentation — produce a Policy Pack non-technical executors can actually use.
Recovery rehearsal — test the workflow before it is needed in real life.
Annual review — keep the plan current as wallets, contacts, and rules change.

Read the full how it works guide or see pricing for the Core Continuity, Continuity Plus, and Private Client plans.

Common questions

Will Bitzo ever ask for my seed phrase?

No. Bitzo never asks for seed phrases, private keys, wallet PINs, or exchange passwords under any circumstances.

Is Bitzo a wallet, exchange, or custodian?

No. Bitzo is a coordination and documentation service. Your crypto remains in your own wallets at all times.

Do you give financial or tax advice?

No. We coordinate verification and process. Regulated advice should come from your IFA, solicitor, or accountant.

Can my family handle this if they are not technical?

Yes — that is the design goal. Documentation is written for non-technical executors and professionals.

Three ways people handle crypto inheritance

Each approach is legitimate. The honest question is what happens on the day someone who is not you has to follow the plan.

Do it yourself (Free)

You document everything yourself — where wallets are, how keys are stored, and what your family should do.

Strengths: no ongoing cost, and nothing shared with anyone; can work well if your heirs are technical and your instructions stay current.
Limitations: single point of failure — if instructions are lost, outdated, or misunderstood, assets can be permanently unrecoverable; no independent verification of who is acting, or when; often breaks at handover — the person following the plan is rarely the person who wrote it.

Solicitor only (standard will-writing fees)

A legally sound will and estate plan, drawn up by a regulated professional — essential whatever else you do.

Strengths: legal authority over who inherits, within the established probate process; the right place for every other part of your estate.
Limitations: keys can't go in a will — wills become public at probate; a will says who inherits crypto, not how anyone actually reaches it; no technical recovery capability if access is lost.

Bitzo + your solicitor (from £19/month)

Human-led verification, Policy Pack documentation, and recovery coordination — working alongside your will and solicitor, not instead of them.

Strengths: verified trusted contacts, recorded-call verification, and full audit trails; documentation written for non-technical executors and professionals; non-custodial — Bitzo never holds keys, seed phrases, or funds.
Limitations: an ongoing membership rather than a one-off document; not legal, financial, or tax advice — you still need a will and solicitor.

A will drawn up with your solicitor remains essential whichever route you take. Bitzo is non-custodial and does not provide legal, financial, or tax advice — see pricing or how it works. Want the detail? See how Bitzo compares with Casa, Unchained and others.

Crypto inheritance FAQs

What does Bitzo actually do?

Bitzo is a UK-based, non-custodial coordination service for crypto security and inheritance. We verify your trusted contacts, document your wallet structure and recovery workflow in a Policy Pack, and coordinate the human-led recovery process when it is needed — with an audit trail throughout.

Do you ever hold my crypto or seed phrases?

No. Bitzo never holds, stores, or requests seed phrases, private keys, wallet PINs, or exchange passwords. Your assets remain in your own wallets, under your control, at all times.

What happens when I die or lose access?

A verified trusted contact — such as your executor or a family member — triggers a recovery case. A UK-based Bitzo specialist verifies their identity and authority through a recorded call, then guides them through the documented recovery workflow. Every step is logged for a complete audit trail.

Do I still need a will and solicitor?

Yes. Bitzo works alongside your will and solicitor, not instead of them, and we do not provide legal, financial, or tax advice. Because wills become public at probate, keys and recovery details should never go in one — Bitzo provides the documented, verified recovery process your will and solicitor can reference.

How much does it cost?

Plans start at £19 per month for Core Continuity, with Continuity Plus at £49 and Private Client at £149. Every plan includes Client Portal access, a versioned Policy Pack, verified trusted contacts, review prompts every 4–6 months, and the recovery activation pathway. Recovery execution fees apply only if a recovery event is actually triggered.

Latest insights

Evidence-led guidance from our team. See all insights or jump to popular guides:

Talk to a UK specialist

If you hold crypto and want a process that works for your family, executors, or advisers, the next step is a short discovery call. No pressure, no obligation. Book a 20-minute call or send a message.