The Vault Papers

What If Your Wallet Had a Will?

5 things a will can’t do — that your programmable crypto vault should.

What If Your Wallet Had a Will?

Crypto is programmable.
But most people still rely on static PDFs and legal abstractions to pass it on.

Here's the truth:

A traditional will is built for banks. Not blockchains.

So what would an actual crypto-native inheritance system look like?
Start here — with five things a will can’t do (that your programmable vault should).


1. ❌ A Will Can’t Trigger Itself

✅ But Vault Logic Can

Wills need lawyers, probate, or manual steps to activate.
Crypto moves on-chain. It doesn’t wait.

🔁 Vault triggers can be set by:

  • Time delays (e.g. 12 months inactivity)
  • Oracle-based events (e.g. a DAO vote)
  • Signer attestations

What the tech does:

  • Monitors for execution conditions
  • Executes without middlemen

What the user defines:

  • The logic: when and why release happens

2. ❌ A Will Doesn’t Talk to Your Wallet

✅ Programmable Vaults Do

Legal documents can’t fetch balances, split assets, or route tokens.

🧠 Your vault should respond to what you deposit — not rely on paperwork.

What the user defines:

  • What gets deposited
  • When and how it’s released to others

3. ❌ A Will Assumes Recipients Are Ready

✅ Vaults Can Guide Them

Most heirs don’t understand wallets, DeFi, or keys.
Leaving them with a private key and no plan is just stress.

📜 Holdii programmable vaults include encrypted letters — visible only when it’s time.

What the tech does:

  • Delivers instructions alongside assets
  • Optionally provides onboarding UI

What the user defines:

  • Message content
  • Tone: educational, emotional, directive

4. ❌ A Will Can’t Respect Your Values

✅ Vaults Can

Whether it’s avoiding interest-based assets, distributing zakat, or only releasing if someone finishes school —
A PDF can’t enforce it. A programmable vault can.

💡 Vaults support milestone-based release, exclusion filters, and cause-driven giving.

What the tech does:

  • Implements conditional rules
  • Executes based on real-world or on-chain outcomes

What the user defines:

  • Custom rules tied to personal intent

5. ❌ A Will Doesn’t Work Across Borders

✅ Vaults Are Global By Design

Probate law depends on jurisdiction.
Smart contracts don’t care where you live — or die.

🌍 Vaults work on-chain. Across time zones, borders, and families.

What the tech does:

  • Automates release globally, permissionlessly
  • Requires no legal presence

What the user defines:

  • Structure, not jurisdiction

So… What If Your Wallet Had a Will?

It wouldn’t be a document.
It would be a programmable vault — designed to move assets with intent, logic, and care.

And that’s where Holdii fits in.

We’re not a wallet.
We’re not legal tech.

We’re the programmable vault layer that makes digital intent executable — without lawyers or coordination.

Self-custodied, chain-agnostic, and accessible via our web app —
with future integration opportunities available for wallets, exchanges, and partners.

🤝 Partner with Holdii


TL;DR

🧠 A legal will can’t move tokens.
🔐 A programmable vault can.

If you believe your assets deserve more than a static plan —
start designing with logic.

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