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Unchained

A-
Collaborative MultisigDistributed1/4 independence pillarsSelf-Sovereign
Visit Unchained
By Steve L, Editorial Lead·Reviewed by Proof of Custody Editorial
·Last updated Feb 18, 2026
85
Custody & SecurityEase of UseFeesFeaturesTransparencySupport
Score Breakdown
Custody & Security35% weight
88
Ease of Use20% weight
82
Fees15% weight
78
Features10% weight
85
Transparency10% weight
86
Support10% weight
89
Assessment
Key Strength

2-of-3 multisig where client holds 2 keys. Strong inheritance and IRA products. Lending available.

Primary Risk

Client holds hardware devices, creating physical exposure. Single company as co-signer.

Custody Features
Multisig
✕Multi-Institution
No Single Point of Failure
Segregated Accounts
Proof of Reserves
✕Insurance
Regulated Custodian
✕No Physical Exposure
✕Multi-Jurisdiction
Inheritance
✕Segregated Insurance
IRA
Lending
Buy/Sell
✕Dynasty Trusts
Fees
$250/yr + trading
Minimum$0
Custody Independence Standard
1 of 4 pillars met
Vendor independenceDepends on configuration
Entropy independenceDepends on configuration
Control independenceMet
Operational independenceDepends on configuration

2 independent parties or systems must fail before a Unchained holder's bitcoin is at risk.

  • •No single party can move funds, which is a genuine structural strength.
  • •Vendor and entropy independence depend on the holder using devices from different manufacturers. A holder who buys several units of the same model reduces this arrangement to a single vendor failure domain.
  • •The holder retains responsibility for geographic separation, device maintenance, and heir handoff.
How this is assessed →
Insurance

Unchained's custody insurance is not publicly disclosed.

Frequently asked questions
Is Unchained safe?+

Unchained uses a collaborative multisig model and scores 85/100 in our independent review, including 88/100 on custody security. No single institution can unilaterally move funds. Safety depends on your priorities; see the full score breakdown above.

Is my bitcoin insured at Unchained?+

Unchained's custody insurance is not publicly disclosed in a form we can verify. Where it exists, custody insurance covers specific named events up to shared limits and does not cover price loss. Confirm coverage in writing before relying on it.

What happens to my bitcoin if Unchained fails?+

Unchained's architecture distributes control, so no single institution's failure alone can move or lose your bitcoin. Recovery depends on the specific structure; see the custody section above.

Does Unchained support inheritance?+

Yes. Unchained offers inheritance or beneficiary features. Review the specific mechanism, whether beneficiary designation, trust titling, or key inheritance, to confirm it fits your estate plan.

Compare

Unchained vs Others

vs OnrampA
90/100
vs Onramp FinanceA
89/100
vs Onramp LendingA-
84/100
vs CasaA-
83/100