We cannot read your vault. Here is exactly why.
Everything is locked on your phone before it is sent. It opens only for the people you named — and only after a real death certificate is checked by a person.
The problem
Almost none of it is lost to fraud. It is lost because nobody knew it existed. A fixed deposit near a first job. An LIC policy from the 1990s. Shares in a company that has since split twice.
The family inherits the house and the obvious savings account. Everything else quietly becomes someone else’s problem, then nobody’s.
What goes in
Four kinds of thing
Not just money. The vault holds what a family actually has to reconstruct.
Assets
Bank accounts, fixed deposits, insurance, mutual funds, property, gold, crypto.
Liabilities
Loans, credit cards and subscriptions the family would otherwise discover late.
Responsibilities
Bills, EMIs and recurring duties that need to keep running, or be stopped.
Memories
Letters, photos and video messages for particular people. The part money can’t replace.
The seal
We never see any of it
Everything is locked on your phone, before it is sent. What reaches our servers is a block of nonsense we have no way to open. This isn’t a promise about our conduct — it’s a property of the maths.
On your phone
Readable, because it’s yours.
In transit
The same three records.
Our server
We hold the box. We do not hold the key.
The mechanism
One lock, two keys
If only you can ever open the vault, your data dies with you — which defeats the point. So the lock accepts a second key, and that one is deliberately very hard to turn.
The handover
Nothing happens while you’re here
You choose how often the app checks in. Miss those, and a clock starts — slowly, loudly, and with an exit at every step. A single sign-in stops the whole thing.
You’re active
Open the app, tap once. The clock resets.
A check-in is missed
Nobody is told. We just start asking.
Sign in → stopsWe keep reminding
Daily notification and email; a text in the final days.
Sign in → stopsLoved ones are told
Each gets a private claim code — a code, not your data.
Face check → stopsA person reviews
Someone on our team checks the death certificate by hand.
Face check → stopsIt opens
Each person face-verifies and receives exactly what you left them.
FinalAccess
Who can see what
Worth being blunt about, because it’s the question every serious person asks first.
While you’re alive
After a verified death
Advisors and insurers
They can add. Only you can accept.
If your bank, insurer or advisor uses One Inheritance, they get their own portal. They can send a record toward your vault — a policy, a statement — encrypted so that only you can open it. Until you accept, it is not in your vault at all.
They can
- See only what you explicitly shared
- Propose a record for your vault
- See whether you accepted or declined
They cannot
- Read anything you didn’t share
- Write into your vault directly
- Change or remove what is already there
Always logged
- Every access is recorded
- You can revoke an organisation any time
- Revoking takes effect immediately
Your family should not have to go looking.
Put everything in one place they can actually reach — without handing it to anyone, including us.