If your spouse cannot run a hardware wallet, what do you need? The answer is a custody model before it is a company. Answer what you can; every question is optional and nothing you enter is stored.
Two rules run before anything is ranked. The recovery floor: no model may demand more than the least capable person who must recover can do. The exposure ceiling: above 10 BTC, any setup where one device, company or person can lose the coins is flagged. Every rule that fires is shown. Methodology.
Proof of Custody is published by Onramp Bitcoin, which appears here where its custody model fits and is scored by the same methodology as every other platform.
These are custody models that fit the situation described, by Proof of Custody's published rules, version 0.1 (1 Nov 2026). They are not a recommendation to buy, sell, move or hold anything, and not legal, tax or estate advice.
One company holds the keys; you hold a claim on the company.
What the recoverer must do: Prove identity and, for an estate, present letters of administration to the company's support desk.
A fund holds the bitcoin at a custodian; you hold shares in a brokerage account.
What the recoverer must do: The brokerage's beneficiary or estate process; no keys involved.
A regulated institution holds keys in segregated accounts under a legal framework built for it.
What the recoverer must do: Identity and authority documents to the custodian; the custodian's own succession procedure.
Separate institutions each secure a key under their own ceremony; it takes more than one of them to move funds.
What the recoverer must do: Identity and authority documents to the institutions; no device, seed or ceremony on the heir's side.
You hold most keys, the provider holds one, and no single party can move funds alone.
You build and run the quorum yourself, across devices from different vendors.
One device, one seed, entirely yours.
https://proofofcustody.io/fit?recoverer=spouse&capability=noneSame inputs, same answer, for anyone. As JSON: /api/fit. For an agent: the fit_custody_setup tool on the MCP server.