It depends on what the custody costs against what you hold. Institutional fee floors turn a small holding into a subscription; at this size one well-kept hardware wallet, a reputable exchange with open withdrawals, or an ETF in an existing brokerage account is proportionate. Collaborative multisig fits if you are technical and want a safety net against your own mistakes. Premium custody is the wrong answer here, and this page is where the publisher's own model drops out of the result.
Fit engine rules 0.1 (1 Nov 2026), with this situation's inputs preset. Adjust the inputs to your own case.
Recovery: Find the seed phrase, restore it on a compatible device. Fails silently if the seed is lost or the recoverer cannot do this.
Recovery: Prove identity and, for an estate, present letters of administration to the company's support desk.
Recovery: Locate the quorum of devices and backups, reconstruct the wallet descriptor, sign. Entirely on the recoverer.
Recovery: The brokerage's beneficiary or estate process; no keys involved.
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.
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.
The buyer holds less than $100,000 in bitcoin and wants better than an exchange account without paying institutional prices.
Agent tool: fit_custody_setup. Primary sources: poc-scores, poc-hardware. Refresh: rules versioned. All routes.
Free, read-only, no key. Every answer carries its source URL, as-of date and the publisher disclosure.