Legacy Lock
The private digital asset vault that ensures your heirs can access everything you own online — without lawyers, without leaks.
LegacyLock
The private digital asset vault that ensures your heirs can access everything you own online — without lawyers, without leaks.
Date: 2026-06-25 Form factor: web app Status: Prototype
What it is
LegacyLock is a local-first digital estate organizer that helps you catalog every online account, crypto wallet, domain name, and subscription you own — with clear access instructions stored alongside each asset for your heirs. You fill in the entries, see which ones are well-documented, and get a real "estate readiness score" you can bring to your attorney. Everything runs in your browser; nothing ever leaves your device.
Who it serves
Adults (35–65) with meaningful digital lives — crypto holders, online business owners, domain investors, frequent subscribers — who have made no provision for what happens to any of it when they die. Their specific pain: unlike a physical house, digital assets vanish silently. Crypto is gone forever if the seed phrase is never found; a profitable Shopify store dies in 90 days; a Google Drive full of irreplaceable family photos disappears. The average American now holds more than $191,000 in digital assets with no estate plan to cover them.
Why it could be profitable
Monetization model: Freemium — up to 10 assets free, unlimited access instructions viewable. Premium ($4.99/month or $39/year) unlocks unlimited assets, encrypted PDF export, and annual review reminders. One-time $79 "Lifetime" license for peace-of-mind buyers who won't pay a subscription for their estate tool.
Why now: In May 2026, blockchain wills and digital signatures became legally recognized in the majority of US states, triggering a wave of attention to digital estate planning from estate attorneys and financial planners. Meanwhile, an estimated 20% of all Bitcoin — roughly $190 billion — is permanently inaccessible due to lost keys or estate failures. The market is massive (every crypto holder, every online business owner) and the incumbent solutions are wrong for this job: password managers (not designed for heir hand-off), and $500/hour estate attorneys (cannot help with the tech side). Estate attorneys are now requiring clients to complete a digital asset inventory as standard practice, yet no simple consumer tool exists for it.
Form factor & scope
Single-page web app, runs entirely in the browser with localStorage persistence. The prototype demonstrates the full add/edit/view workflow, the estate readiness score, per-category value breakdown, and a printable attorney-ready summary.
How to run it
- Open
index.htmlin any modern browser (Chrome, Firefox, Safari, Edge). No server or build step needed. - Sample data loads automatically, populating 20 realistic assets across 7 categories.
- Click + Add Asset to open the entry form and add your own items.
- Click any asset row to expand its full access instructions.
- Use the filter chips and search bar to narrow the list.
- Click Print Estate Summary for the formatted, attorney-ready printout.
What's in this prototype
- Estate Readiness Score (0–100): percentage of total estimated value backed by "Complete" documentation — updates live as you edit entries.
- Summary stats: total cataloged value, asset count, and a per-category value bar chart.
- Asset table: 20 pre-loaded entries (crypto wallets, brokerage accounts, domains, social accounts, cloud storage, subscriptions, email) with name, category, value, and documentation status badges.
- Expand / collapse rows: click any row to read the full access instructions without leaving the main view.
- Filter + search: filter by category (Crypto, Financial, Domains, Social, Cloud, Subscriptions, Email) or documentation status (Complete / Partial / Undocumented); free-text search by name or platform.
- Add / Edit modal: full form with validation — name, category, platform, URL, identifier, estimated value, access instructions, notes, and documentation status.
- Delete with confirmation prompt.
- Print Estate Summary: print-optimized view listing all assets with full details, formatted for an estate attorney conversation.
- LocalStorage persistence: data survives page refreshes.
Roadmap
- Encrypted PDF export using the Web Crypto API (AES-GCM) — password-protected for safe email to an attorney.
- "Trusted heir" share link that reveals sections only after a passphrase challenge.
- Annual review reminder via email or calendar invite export.
- Integration export to Trust & Will, FutureVault, and Willing estate platforms.
- Stale-asset detector that pings known platform URLs to flag accounts that may have closed.
- iOS/Android PWA with Face ID or Touch ID gating on the vault screen.
Sources
- https://www.savingadvice.com/articles/2026/05/21/10736399_blockchain-wills-and-digital-signatures-are-now-legal-how-to-build-a-virtual-estate-plan-in-2026.html — Blockchain wills and digital signatures now legally recognized in majority of US states (May 2026), creating estate attorney demand for digital asset inventories.
- https://secureiot.house/digital-legacy-digital-twin-digital-wealth-estate-planning-2026/ — Americans hold $191K+ in digital assets on average with no estate plan to cover them; the digital legacy gap.
- https://ferglawgroup.com/digital-assets-estate-planning/ — An estimated 20% of Bitcoin is permanently inaccessible due to estate failures; RUFADAA grants legal authority to executors but not technical access.
- https://www.morganlegalny.com/bitcoin-estate-planning-what-happen-to-your-cryptocurrency-holdings-after-you-die/ — The crypto inheritance crisis: how existing estate frameworks fail when private keys are undocumented.
Requirements
LegacyLock — Requirements
Goals
- Help users build a complete inventory of their digital assets in under 30 minutes.
- Surface undocumented assets visually so gaps are impossible to ignore.
- Give each asset a documentation quality rating so estate readiness is measurable.
- Produce a printable summary an estate attorney can work from directly.
- Run entirely in-browser — no data ever leaves the user's device.
Primary user
Adults (35–65) who own crypto, run online side businesses, or hold multiple premium digital accounts and have not documented any of them for their heirs. Likely comfortable with spreadsheets but not technical enough to manage a self-hosted vault. Motivated by a recent life event (new will, birth of a child, parents dying without documentation).
Functional requirements
- FR1: User can add a digital asset with: name, category (Crypto / Financial / Domains / Social / Cloud / Subscriptions / Email), platform name, URL, identifier (username/wallet address/account number), estimated USD value, access instructions (free text), notes, documentation status (Undocumented / Partial / Complete), and date last reviewed.
- FR2: User can edit any field of an existing asset via a modal form.
- FR3: User can delete any asset with a confirmation prompt.
- FR4: Dashboard displays an "Estate Readiness Score" (0–100) computed as: (sum of estimatedValue where docStatus === 'Complete') / totalEstimatedValue × 100.
- FR5: Dashboard shows total estimated value, total asset count, and a per-category breakdown bar showing value share by category.
- FR6: Asset list is filterable by category using chip buttons; filtering is combinable with the search input.
- FR7: Asset list is filterable by documentation status (All / Complete / Partial / Undocumented) via a secondary chip group.
- FR8: Asset list supports free-text search by name or platform (case-insensitive substring match).
- FR9: Clicking any asset row expands it inline to show full access instructions, notes, and last-reviewed date without opening a modal.
- FR10: Sample data loads automatically on first open from sample-data.json; data is written to localStorage on every change.
- FR11: localStorage data takes precedence over sample-data.json on subsequent loads.
- FR12: The Add/Edit modal validates required fields (name, category) and shows inline error messages before allowing save.
- FR13: "Print Estate Summary" opens a browser print dialog rendering a formatted, print-optimized view with all assets, values, categories, and access instructions. The print view is legible in black and white.
- FR14: A persistent header banner labels the app as a prototype with local-only storage, to set correct expectations.
User stories
- As a crypto holder, I want to record my seed phrase hints and hardware wallet location so my spouse can access the funds without my help.
- As an online business owner, I want my heirs to know about my domain names, Shopify store, and Stripe account so they can sell or wind them down rather than letting them expire.
- As a parent, I want to document every recurring subscription so my family can cancel them promptly after I die and avoid unwanted charges.
- As an estate attorney, I want my client to arrive with a printed digital asset list so I spend the session on strategy rather than discovery.
- As a user, I want to see my estate readiness score so I know what fraction of my digital wealth is actually protected.
- As a user, I want to filter assets by "Undocumented" status so I can focus on the gaps first.
- As a user, I want my data to persist between browser sessions so I don't have to re-enter everything each time.
Non-functional requirements
- All data stored in browser localStorage only; zero network requests after initial page load.
- No API keys, accounts, or login required.
- Works in Chrome, Firefox, Safari, and Edge (current versions).
- Mobile-responsive — readable and usable on a phone screen (375px minimum).
- Print view renders correctly in Chrome's and Firefox's print dialogs, black-and-white legible.
- Page loads in under 1 second on a cold cache (no heavy dependencies).
Out of scope (for the prototype)
- Actual encryption of access instructions at rest.
- Multi-user / heir access or share links.
- Automated asset discovery or third-party account scanning.
- Legally binding digital will generation.
- Calendar or email reminders for annual review.
- Two-factor verification gating the vault.
Open questions
- Should access instruction text be stored in plain text (simpler, educational for the prototype) or behind an in-browser AES-GCM encryption layer (more secure, harder to demo)?
- What is the right "nudge" cadence — should the app surface the estate readiness score prominently on every open, or only when it drops below a threshold?
- Is $39/year the right price point, or does the estate-planning context (high stakes, infrequent use) support a higher one-time purchase price?
