What Happens to Your Bitcoin When You Die? The Great Crypto Inheritance Crisis With Vault12
BITCOIN 2026
$6 trillion in crypto. Almost none of it has an inheritance plan. I chat with Wasim Ahmad, Co-Founder of Vault12, live at the Bitcoin Conference in Las Vegas to talk about the crisis nobody in crypto is talking about: What actually happens to your digital assets when you're gone. Your will doesn't unlock your wallet. Your family can't call Bitcoin. And writing down your seed phrase anywhere creates a security risk that could drain everything overnight. Vault12 was built to solve exactly this. Using quantum-safe cryptography, it protects your crypto legacy without storing anything in the cloud, on a device, or on paper, so your family is protected and your assets stay secure until they're actually needed.
This is the conversation every crypto holder needs to have. And it starts here.
TIMESTAMPS: 0:00 - Introduction
0:33 - The $6 Trillion Crypto Inheritance Crisis Nobody Is Talking About
1:00 - What Actually Happens to Crypto When You Die
1:36 - How Vault12 Is Pioneering the Future of Crypto Inheritance
3:20 - 3 Dangerous Mistakes Crypto Holders Make With Their Digital Assets
4:30 - The Clarity Act Explained: What It Means for Every Crypto Holder
6:26 - How Crypto Regulation Opens the Door for Innovation and Growth 6:50 - How to Protect Your Crypto Legacy With Vault12 🔒
JOIN VAULT12 → https://vault12.com/
🐦 Follow Vault12 → https://x.com/Vault12
🐦 Follow Wasim → https://x.com/wasima
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HIS IS NOT FINANCIAL ADVICE. I am not a financial advisor. Everything I say as entertainment only. There are a lot of risks and it is important to know what they are. DO YOUR OWN RESEARCH. Know what you're getting into!
*** Special Offer for Podcast listeners Promo codes for Vault12 Guard
The iOS codes are good for 1 year subscription at no cost, then will revert to standard price for Inheritance plan. iOS codes can be redeemed in the Apple App Store.
The Android codes are good for 90 days subscription at no cost, then will revert to standard price for Inheritance plan. Android codes are redeemed when selecting and paying for the Inheritance plan in the app.
Instructions for how to redeem here.
Code: CMNYC26
iOS: https://apps.apple.com/redeem?ctx=offercodes&id=1451596986&code=CMNYC26
Android: Enter code CMNYC26 when you select the Inheritance plan
Girlintheverse:
Hey, it's Girl in the Verse. I'm here at the Bitcoin 2026 Conference in Las Vegas and today I'm joined by Wasim Ahmad from Vol 12. We're going to be chatting about this great inheritance that we're talking about.
Wasim Ahmad:
It's amazing. $64 trillion worth of assets in total are going to be transferred to a new generation of asset owners, investors, and six to seven trillion dollars of that is going to be crypto assets.
Girlintheverse:
That's huge. That's not a small number. $7T crypto. And we're talking about younger generations. So what does this mean for our crypto, especially young people, we never think about the future somehow. I don't know why. We never think about what happens with all this crypto that I will inherit. What do I do with it?
Wasim Ahmad:
Well, you can do whatever you want with it, but hopefully you'll keep it for a long, long time, but you have to make sure that you're protecting it, that it's safe, that it's private, that it's secure. And that should something happen to you, you pass away, you have an accident, you're incapacitated in some way, that your family can access those assets in the future, that there's a path for them to receive those assets.
Girlintheverse:
And you're building that. Vault12 is building this?
Wasim Ahmad:
Well, we're the pioneers of crypto inheritance. We started 10 years ago. In fact, my CEO, Max, was part of Andreessen Horowitz and helped Coinbase get its funding from A16Z. And so at that time he realized that if Coinbase was super, super successful, there'd be all these consumers that had cryptocurrency. At the time it was Bitcoin. And the security model for cryptocurrencies is that you have to secure them. No one's going to secure it for you. And then obviously later on we saw many, many other cryptocurrencies come in. And so he actually started Vault 12 at that time and in 2019 we had our app and we put it on the Google and the Apple app stores. And since then we have something like 400,000 people that have downloaded it. It enables people to create a digital vault, put in all of the information necessary to access those assets.
So the wallet seed phrase or the private key, or you can record a video with a riddle of like what the 12 seed phrase words are. It can be any digital information. And then when the time comes, you can specify who should receive that information. The information in the digital vault is encrypted. It's split into pieces and they're sent out to friends, family, professionals that you work with who will guard a sliver of your assets. They're not going to know what it is. It's not like multi-sig and it's very, very flexible. You can have like nine people, three family members, three friends, three professionals. And you can say as long as three of them say, okay, you can access, you can get access to the seed phrase, you can do all of those kinds of things.
Girlintheverse:
This reminds me of the memes of people digging up their hardware wallets in a park and thinking, "I'll let my family figure this out later, but this is a way better option."
Wasim Ahmad:
Yeah. I mean for a number of reasons. So burying your seed phrase is not a good idea because you may not be able to find it again. Putting it in the cloud, not a good idea, not because clouds are necessarily unsafe, but because clouds are seldom run by the company that you purchased the access from. And so if they fall out or they have businesses change, you may not be able to access those assets. And then some people I know, especially true of the Bitcoin conference, have their ledger devices around their neck. Again, something that is a local device can be lost, can be stolen. So again, not a good idea. So you want something, you want a way to store that information in a way that it stays private so that no one can rifle through it. No point in giving it to your lawyers in some office somewhere, but that's also not on the cloud.
It's not subject to accidental loss or erasure or any of those kinds of things. And so that's what Vault 12 is. It's an app that creates a digital vault and if you lose your phone, you can just recreate the vault on another phone and that's the beauty of it.
Girlintheverse:
I love it. It's very simple. I love it. Let's talk about this Clarity Act. We're in the US, everyone's waiting on this Clarity Act. Everyone's hoping that one zip passes, things will change for a lot of people. What is that going to do for Vault 12?
Wasim Ahmad:
So I think the most important thing surrounding the Clarity Act for Vault 12 customers is that once it passes, hopefully in the next couple of weeks, it's going to usher in an era of the crypto consumer. Up till now at conferences like this, we love to talk about institutions and institutional investing, but we are on the cusp. We are at the start of a journey for the crypto consumer and I expect that there's going to be a hundred million new crypto consumers that will come into this space and they'll come in not because some crypto exchange managed to grow their customer base, but because banks, retail banks will be able to offer crypto mortgages and crypto accounts, just like they offer stock trading on their platforms. Maybe it'll be Coinbase that's providing that behind the scenes, but it'll have a bank's logo on it. And because of that, because consumers by and large trust their banks, they will start to accumulate crypto.
And when they start to accumulate crypto, they'll need to think about, well, what happens if I pass away and like, how do I make sure that this goes to my kids? And for that, Vault 12 is perfect, but the market will grow and it'll be a 10 year journey of growing, but we haven't seen that yet. So this is a new era and I'm so excited to see that.
Girlintheverse:
I'm really excited too because we've been, like you said, we've been begging for regulation. We're tired of feeling like what are we going to do with our crypto and are we allowed to even use it and pay stuff with it or are people going to accept it? And now there may be this possibility where it's going to be easy peasy.
Wasim Ahmad:
It's just normal. They're not even going to call it crypto.
Girlintheverse:
Well, thank you so much, Wasim. Where can people learn more about Vault 12 and where can they join and participate?
Wasim Ahmad:
Yeah. So obviously we're on X, so you can find us at @Vault12 and then our website, vault12.com and you can download the app from there and it's in the app stores, so you can download it from the app stores as well.
Girlintheverse:
Thank you so much.
Wasim Ahmad:
Thank you.
What Happens to Your Bitcoin When You Die? The Great Crypto Inheritance Crisis With Vault12
BITCOIN 2026

Wasim Ahmad
Wasim Ahmad is a serial entrepreneur and an advisor in the fields of AI, blockchain, cryptocurrency, and encryption solutions. At Vault12, the pioneer of crypto inheritance, he led private and public fundraising efforts and focuses today on expanding the Vault12 ecosystem. In addition, he is a producer of the upcoming movie 'The Bitcoin Executor'.
His crypto experience began with AlphaPoint, where he worked with the founding team to launch the world's first crypto trading exchanges. Previously he was a founding member of Voltage Security, a spinout from Stanford University, that launched Identity-Based Encryption (IBE), a breakthrough in Public Key Cryptography, and pioneered the use of sophisticated data encryption to protect sensitive data across the world's payment systems.
He has also been very involved with regulatory initiatives in both the US and the UK, providing feedback to the SEC and FCA respectively pushing for expanded momentum for innovation and startups within the regulatory frameworks of both countries.
Wasim served on the board of non-profit, StartOut, and is a Seedcamp and WeWork Labs global mentor.
Wasim graduated with a Bachelor of Science in Physics and French from the University of Sussex.




















