Protect today. Deliver forever.
Most estates fail at the same moment: the owner has died, the family is grieving, the will is in a filing cabinet they can't find, the life insurance paperwork is in an email the executor doesn't have access to, and the crypto recovery phrases are on a sticky note nobody admits to knowing about. Information exists. Access does not.
SDV is engineered around one premise: the documents your family will need are most needed at the moment you are least able to provide them. The vault's job is to deliver - automatically, correctly, and only to the right people.
Below is the SDV release pipeline, end to end. Every step produces a sealed, L1-anchored record that a court, insurer, or trustee can verify independently.
Primary: SSA Death Master File via authorized data provider. Secondary: state-level vital records where contracted. Manual: family or beneficiary uploads a death certificate.
SDV pauses vault activity and sends a verification request to the owner (false-positive protection). If the signal is wrong, the owner has the full release window to dispute and freeze the release.
Multi-source confirmation required (DMF + state record, or certificate + court order). Personal: 90 days. Family: 30 days. Legacy: 24 hours. Legacy Plus: same-day with court-verified option.
Email, SMS, postal mail. Legacy and Legacy Plus add human phone outreach - a JIL specialist calls the named contacts, walks them through access, and stays on the line for the first document retrieval.
Every step - signal detection, owner notification, verification, beneficiary access - is sealed on JIL L1 with a Dilithium-III signature. Full audit log is exportable for estate proceedings on Legacy and Legacy Plus.
Mark is 58, divorced, two adult children. He has a will, a life insurance policy, a Fidelity account, and three cryptocurrency wallets. His executor daughter knows the will exists but has never seen the policy number or the wallet recovery phrases. If Mark dies today, his daughter spends months reconstructing what he already had organized.
With Personal Vault, Mark uploads the will, the policy, the Fidelity statement, and each wallet's recovery phrase into the Crypto Key Vault. He names his daughter as the primary beneficiary. 90-day release window. If SDV detects his death on SSA DMF and he doesn't respond to the verification ping, the vault unlocks for his daughter automatically.
The Petersons are a two-parent household with three kids (two adult, one minor). They need: shared family zone (home deed, family photos, emergency medical), each spouse's private zone (individual financial records, letters to be released on specific dates), and per-child named beneficiary rules that cascade on parental passing.
Family Secured Vault gives all five members private zones plus a shared family zone. 30-day release window. If one spouse passes, the other five members are notified, access rights update automatically per the cascade rules, and the minor child's access is held by the named trustee until age 18 (scheduled release).
Sandra is 71, widowed, $14M estate split across a family trust, a closely held business, three properties, and multiple insurance policies. Her estate attorney Marcus needs controlled access to the vault: he can read the trust instrument and the current will, but he cannot release documents to beneficiaries without Sandra's (or, posthumously, the trustee's) cryptographic authorization.
Legacy Vault gives Marcus an attorney co-admin seat with full audit trail. The business succession documents are titled to the trust with trustee-controlled release. 24-hour posthumous release with court-verified option. Sandra's three children have multi-generational cascade rules: if a child predeceases her, that child's portion cascades to the grandchildren. JIL handles the beneficiary walkthroughs via the white-glove notification service.
Legacy and Legacy Plus tiers are designed to slot into the existing professional infrastructure around estates, trusts, and family offices. Each role below is a separately-permissioned vault participant with its own audit trail.
Full read on instruments and current versions. Write permission on new document uploads with owner's cryptographic approval. Cannot unilaterally release documents to beneficiaries. Requires a separate engagement agreement.
Executor, trustee, or financial advisor access to specified vault zones. Useful when the vault is titled to a trust rather than held personally. Requires trustee acknowledgment and limited power of attorney.
Read-only access to specific files or zones, activated by predefined rules (immediate, on death, on date, on condition). Each beneficiary sees only what they are named for - not the full vault contents.
Read-only visibility across related family entities (parent trust, child vaults, business holdings). Coordinates vault operations across generations without holding individual-level permissions.
Single point of contact at JIL. Quarterly vault reviews, annual in-person security review, 4-hour SLA on critical requests, concierge beneficiary onboarding (in-person or video walkthrough).
Full cryptographic control. Can add / revoke any role at any time. Can freeze a pending release. Can export the entire vault and cancel the subscription at any time.
Start with a Personal Vault at $500/yr to organize your own estate, upgrade to Family or Legacy when your household grows, or begin directly with Legacy Plus if you're coordinating across a family office.