Tomorrow.xyz provides a self-custodial crypto wallet with built-in succession planning, ensuring digital assets transfer automatically to designated beneficiaries after a period of inactivity. The wallet uses a "digital heartbeat" check-in system and MPC infrastructure to trigger inheritance without probate, while preserving tax benefits through cost-basis step-up. It supports multiple asset types and allows beneficiaries to claim their share via wallet address or email.
Funding
Funding not disclosed
Founders
Product
Problem
Digital assets are frequently lost forever when owners pass away without a succession plan, with an estimated 20% of all Bitcoin permanently inaccessible. Traditional inheritance processes are slow and costly, with probate averaging 18 months and consuming up to 7% of an estate's value, while improper estate structuring can erode asset value by up to 47% through taxes.
Solution
Tomorrow Wallet is a self-custodial cryptocurrency wallet that integrates succession planning directly into the wallet infrastructure. Users designate beneficiaries and set a "digital heartbeat" check-in cadence; if the user stops checking in, the wallet automatically initiates a succession process that transfers assets to the designated recipients. The wallet is built on institutional-grade MPC custody technology, ensuring that the company never touches user keys while maintaining full self-custody. Beneficiaries can claim their allocated share using either a wallet address or email, and the platform preserves the original cost basis to provide heirs with a step-up, eliminating capital gains taxes on appreciated assets.
Target Audience
Primary users are cryptocurrency holders who want to ensure their digital assets are passed to loved ones without probate, as well as high-net-worth individuals with substantial crypto portfolios seeking tax-efficient inheritance solutions.
Features
- Dead man's switch mechanism that automatically triggers asset transfer after a user-defined period of inactivity
- MPC (multi-party computation) wallet infrastructure providing institutional-grade security while remaining non-custodial
- Beneficiary designation by wallet address or email, with each beneficiary only able to view their own allocation
- Digital heartbeat check-in system with customizable cadence, including alert notifications to a confirmer and lawyer
- Tax-optimized succession that preserves cost basis and provides heirs with a step-up, avoiding capital gains taxes
- Support for multiple asset types within a single wallet, with flexible plan options for individuals and larger portfolios