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Zera · Money & Finance
Knowledge + Guidance

What happens to my crypto and online accounts when I die?

You have built real value in places a key or a password protects. Crypto wallets, streaming libraries, small online businesses, years of photos — these are yours by reason, not by paper deed alone. Yet if you die without a plan, they vanish into locked systems no court can easily open. This is not a small oversight. Ask who is excluded when there is no plan: your partner, your children, the friends you trust with everything else. They are shut out not because they lack the right to what you leave behind, but because no one wrote the access down. Working on this with others is not weakness — it is reason applied to love. A pod or a partner can hold what one person alone might forget, lose, or hide. Equal access to the plan, while you live, is what protects equal dignity for those who come after you.

◆ How this problem reads on the two dials
GuidanceKnowledge
More coaching
Some to learn
1:1 with ZeraWith others (a Pod)
Some one-to-one
Practise with peers
The facts here are few and simple; the real work is sitting down with others and actually writing the plan, so guidance leads.
How the two dials adapt to you →
What’s really going on

Reason tells us plainly: without a written plan, what you built online dies with you, locked away from those you love. Make a list of every account and asset. Write down how to access each one. Store it where your people can find it. Share the plan with them now, together.

🔒 What you’ll build togetherUnlock by starting
A moveList every account, wallet, and subscription you hold — do not trust memory alone.
A moveWrite down, in plain words, how each one is accessed: password manager, hardware key, recovery phrase.
A moveName one trusted person for each asset, not just one person for everything — spread the knowledge as you spread the risk.
A moveStore the plan in two places, one digital and one physical, and tell your pod where both are.
A moveReview the list together once a year — accounts change, and so do the people you trust.
PractiseThe Access Audit · a Pod of 4 · 30 min

What changes unlock by starting

  • One written list of every digital asset and how to reach it.
  • At least one other person who can act on your accounts if you cannot speak for yourself.
  • A plan stored where it will actually be found, not lost inside one device.
  • Less fear, because the people you love are no longer excluded from what you built.

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One object, two jobs: a public answer to a real problem, and — the moment you start the chat — Zera’s live plan for your version of it.