Assets, in the detail a claim actually needs
Bank accounts and FDs, mutual funds, demat, EPF and PPF, insurance, property, gold, vehicles, crypto. Account numbers, folios, branch, nominee — the fields a bank asks for, not a vague note.
What it holds
Not a folder. A picture of a life.
Keep assets alongside the debts and renewals your family should know about. One Inheritance brings those records together with documents and personal messages.
Liabilities
Home loan, car loan, the card with a balance, money lent to a cousin. Debt is what ambushes a family — so it is a first-class object here, not a footnote.
Responsibilities
Premiums, renewals, EMIs, the annual filing. Recurring duties with reminders, so a policy never lapses because the one person tracking it wasn't around.
Documents
Deeds, PAN, Aadhaar, wills, policy PDFs — encrypted before upload, up to 500 MB a file.
Letters & memories
Photos, video messages, the things you'd want said. Assigned to a specific person, delivered with everything else.
Who gets what
Name the people. Assign items to each of them individually. Change your mind any time — nothing is visible to anyone until release.
A place to start looking
30
banks covered by RBI’s UDGAM search as of March 2024Unclaimed money can have many causes. A clear record of your accounts gives your family somewhere to begin; official search tools can help them locate unclaimed deposits.
Source: RBI UDGAM FAQs, March 2024. This is a dated coverage figure, not a current estimate of unclaimed wealth.
Scattered by default
Accounts, FDs, funds, insurance, PF, property, gold, crypto, passwords — spread across apps, lockers and memory. No single place has all of it.
A nominee is not an heir
A nominee is a trustee, not an owner — and most accounts have none, or one set twenty years ago. Your family still has to know where to look first.
Families live apart
Children abroad, parents in India. The people who need access are usually furthest from the paperwork. This closes that distance.
How the encryption works
Know what is encrypted. Know how access works.
Your vault content is encrypted on your phone before upload. Account and operational metadata are handled separately. To support inheritance, a copy of the vault key is escrowed under the controls described in our security model.
- Everything is locked on your device, not in our datacentre. The lock closes before anything is sent.
- Vault content is encrypted. Account and operational metadata are handled separately; our privacy policy explains what we collect.
- Encryption protects vault content, but security also depends on your device, credentials and controlled key access. Read the full security model for its boundaries.
- The key your family will one day need is held separately and sealed, and comes out only through the verified release below.
On deviceHDFC · Savings · ••••4471 · Andheri West
LockedOn your phone, before anything is sent
On our server8f2a41c0d95e7b13aa06fe2284c7d1990b5a3ee7c418d260f9b7a35c1de08247
Readable byYou. Later, the people you named. Not us.
An illustration of encrypted vault content. Account metadata and key escrow are described separately in our security model.
The handover
Six gates between silence and release.
See how the handover process works. Each step of it is reversible by you until the last one.
Active
You check in
On your schedule, from the app. Nothing else runs while you do.
Reminding
A missed window
Daily push and email for the length of your waiting window; SMS in the final days.
Notified
Your people are contacted
Only now, and only with a claim code. They still see nothing.
Submitted
Death certificate
Uploaded by a named beneficiary. Held, not trusted.
Approved
A human reviews it
Manual verification against the record. One approval releases everyone you named.
Released
Face, then key
Identity verification is completed before access is granted through the release process.
You can stop it at any point. Any check-in or sign-in cancels a release in progress. And once your people have already been contacted, cancelling requires a face check — so someone with your password alone can never quietly call it off.
Who it's for
Anyone whose family would have to guess.
Parents & families
One place holding the accounts, the policies, the flat's papers and a letter for each of them — so nobody spends a grieving month on a treasure hunt.
NRIs and their parents
Assets in India, heirs abroad, and a timezone in between. Everything reachable from anywhere, released only to the people you actually named.
Business owners
Credentials, partnership terms, vendor arrangements. Assign your partner or your CA, and continuity survives you.
| Cloud storage | Password manager | A will alone | One Inheritance | |
|---|---|---|---|---|
| Provider can read it | Provider dependent | Provider dependent | — | No |
| Holds assets, debts & renewals | Files only | Provider dependent | Legal instructions | All of it |
| Knows who should get what | No | No | Yes | Yes, per item |
| How information is accessed | No | Provider dependent | Legal process varies | Verified release |
| Useful before you die | Yes | Yes | No | Yes |
The answer to "where is everything?"
shouldn't be lost with you.
Set it up in under five minutes. Free to start, on iOS and Android.
