Pillar 6 / Institutional Wallet / Family Office CIO
Multi-generation digital asset stewardship for family offices.
Your family's digital asset portfolio needs to outlive the principal. Succession planning, beneficiary attestation, tax-advisor support, and inheritance event response all turn on how the assets are held + transferred + attested. Institutional Wallet is the wallet primitive built for multi-generation digital asset stewardship.
Crypto inheritance fails when the trust documents say one thing and the wallet keys say something else. Family offices need a custody primitive that handles both.
Digital asset succession is the #1 unresolved problem in family office crypto allocations. Trust documents reference assets; wallet keys + on-chain transfers determine what actually happens at the inheritance event. Institutional Wallet bridges trust documents + multi-sig governance + per-beneficiary attestation so the family's wishes survive the event.
- Succession + beneficiary planning. Pre-attested beneficiary plan: which assets to which beneficiary, governing trust document, transfer execution mechanics. Cryptographically tied to your trust documents.
- Multi-generation governance. Multi-sig signature thresholds with family-trustee + advisor + external-sig configuration. Approval workflows survive principal's incapacity / death.
- Tax-advisor position evidence. Per-position cost basis + realized / unrealized P&L attestation. Audit-grade evidence per position for tax-advisor + tax-attorney engagement.
- Inheritance event execution. When inheritance event triggers (incapacity / death), pre-attested transfer plans execute under multi-sig governance. Family's wishes survive without ad-hoc transfer reconstruction.
Multi-sig family governance
Multi-sig wallet (e.g. 2-of-3: family principal + family-office trustee + external attorney). Configurable per-asset rules: digital art collection, crypto-native investments, stablecoin reserves. Every transfer attested + signed.
Pre-attested beneficiary plan
Per-asset beneficiary attestation: this position to this beneficiary, governed by this trust document. Cryptographically tied to the trust + signed to validator quorum. Trust attorney countersigns.
Tax-advisor cost-basis + P&L
Per-position cost basis with timestamped acquisition events. Realized + unrealized P&L per position per tax year. Audit-grade evidence for tax-advisor + IRS positions.
Incapacity / death event execution
When event triggers, pre-attested transfer plans execute under multi-sig. Trustee + external attorney + family-office staff coordinate via signed multi-sig governance, not ad-hoc text messages.
Tiered per-engagement pricing
| Family office AUM tier | Wallet setup | Per-beneficiary attestation | Tax-advisor evidence | Inheritance event support |
|---|---|---|---|---|
| Single-family office (under $100M) | $5K setup | $300 / beneficiary / quarter | Included | Per-event: $5K |
| Multi-family office (under $1B AUM) | $15K setup + per-family multi-sig | $200 / beneficiary / quarter | Included + per-tax-year audit prep | Per-event: $3K |
| Large MFO ($1B+ AUM) | $30K+ setup + HSM + custom multi-sig per family | Volume-tiered | Real-time audit access | Included |
Custom multi-sig configurations available for unique family governance structures. Annual contracts lock 12-month pricing. Trust-attorney + tax-advisor support included in all tiers.
Want to see family-office custody against a representative portfolio?
We bring sandbox keys + a sample family-governance configuration to a 30-min walkthrough. Bring your CIO, family-office attorney, and trust officer. Production setup typically takes 4-8 weeks after MSA + KYC.