Uphold Launches Digital Assets Inheritance For XRP, Bitcoin, And HBAR

Uphold has rolled out Vault Inheritance, which is described as a legacy-planning option for customers who keep Bitcoin, XRP, and Hedera in the platform’s assisted self-custody wallet.

The company framed the product as a response to a problem unique to crypto: legal title can pass to an heir, but the cryptographic control needed to move coins often does not.

Vault itself launched in late 2023 as a 2-of-3 multisignature wallet inside the Uphold app.

Two keys belong to the user and one belongs to Uphold.

Two signatures are required to move funds, so the firm cannot unilaterally spend customer assets, while users still get help replacing a lost key and can trade without first leaving the app.

Inheritance is now layered on that structure. A holder invites a beneficiary from the Vault dashboard.

The invitee must be at least 18 and hold an Uphold account.

That person receives no view of balances, history, or addresses while the owner is alive, and the designation can be changed at any time.

After a death, the beneficiary starts a claim in the app and submits official records such as a certified death certificate or probate order.

Uphold’s compliance team reviews the paperwork.

Only after that review does the firm co-sign a transfer of Vault holdings into the beneficiary’s own Uphold wallet.