It depends on availability, which these records do not verify. US IRA products and US-listed ETFs are generally out of reach; many custodians onboard non-US clients but say so only in their terms. The models are unchanged: self-custody and collaborative multisig travel anywhere, qualified custodians and multi-institution providers depend on their own onboarding rules and your country. Treat every platform listed as 'check with the provider', and read the regulatory column for where each is actually licensed.
Fit engine rules 0.1 (1 Nov 2026), with this situation's inputs preset. Adjust the inputs to your own case. 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.
Recovery: Identity and authority documents to the institutions; no device, seed or ceremony on the heir's side.
Recovery: Prove identity and, for an estate, present letters of administration to the company's support desk.
Recovery: The brokerage's beneficiary or estate process; no keys involved.
Recovery: Identity and authority documents to the custodian; the custodian's own succession procedure.
Fits only where the provider documents an assisted inheritance path the recoverer can follow with support; otherwise the arrangement becomes a puzzle box the day you are gone.
Recovery: Locate the devices and seed backups, run a signing ceremony with the provider's key; or, where the provider documents an assisted inheritance path, follow that path with the provider.
Excluded by the rules: Self-managed multi-vendor multisig (Recovery floor: this model requires the recoverer to run a hardware wallet and handle a seed phrase, and the person you named cannot be expected to.); Single-signature hardware wallet (Recovery floor: this model requires the recoverer to run a hardware wallet and handle a seed phrase, and the person you named cannot be expected to.)
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.
Agent tool: fit_custody_setup. Primary sources: poc-scores. Refresh: availability not verified; quarterly. All routes.
Free, read-only, no key. Every answer carries its source URL, as-of date and the publisher disclosure.