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Situations

Bitcoin custody by situation

Custody is decided by who must recover it and what they can do, not by age or brand. Each page below names the dependency, runs the fit engine with the situation preset, and lists the tests to run on any provider. Or start from your own inputs at /fit.

Spouse or partner cannot handle keys
My spouse could not run a hardware wallet. What still works if I am gone?
Recovery capability of the survivor, not of you · Whether the provider documents an inheritance process the survivor can actually follow
Large holding, one device, several heirs
I am retired with a large holding on one hardware wallet and three heirs. What should change?
Which heir, if any, can handle keys · Single point of failure at this size
Exchange exit, no keys
I hold bitcoin on an exchange and want out without managing keys. Where does it go?
Whether you will hold any key · Single point of failure at the destination
ETF holder wanting direct ownership
I own a bitcoin ETF and want real bitcoin without self-custody. What are the options?
Custodian concentration behind the fund · Tax on the switch
IRA rollover
I am rolling a 401(k) or IRA into bitcoin. Who actually holds it?
Who holds the keys beneath the IRA wrapper · Fee basis against the balance
Company or LLC treasury
Our company holds bitcoin on the balance sheet. What does the custody need to look like?
Authorisation controls and an audit trail · Segregation from the provider's own assets
Small holding
I hold under 1 BTC. What is proportionate?
Custody fee as a percent of the holding · Your own ability to run a device
Non-US holder
I am outside the United States. What custody can I actually use?
Provider availability in your country · Where the keyholders are regulated
Family office or trust
A family office or trust holds the bitcoin. What does the arrangement need?
Entity titling and segregation · Independent examination of custody operations
Large purchase to hold
I want to buy a large amount at once and hold it. What is the safest sequence?
Where the bitcoin sits after settlement · Withdrawal path and limits at the venue
Adviser or RIA
I am a financial adviser choosing custody for client bitcoin. What does the rule require?
Qualified custodian status of the keyholders · Segregation and client identification
New heir
I just inherited bitcoin. What do I do first?
The form the inheritance arrived in · Whether you can handle keys