bitcoin

Secure Legacy Planning with Encrypted Notes

ACYK

This is a well thought out and practical approach to securing Bitcoin holdings while also addressing the often overlooked challenge of estate planning. The use of Seed XOR to geographically distribute backup pieces with redundancy is a strong safeguard against both physical threats and collusion risks. Incorporating individual BIP-39 passphrases alongside BIP-85 deterministic entropy adds a versatile layer that benefits multiple trusted parties without compromising the main recovery process. I especially appreciate the inclusion of secure notes for storing critical instructions and credentials as this bridges the gap between technical security and real life accessibility after an emergency. The point about Coldcard not currently allowing encrypted note exports is important as this capability would be extremely valuable for securely transferring sensitive information off device while retaining the same air-gapped protections. If implemented it could serve as a powerful component for anyone looking to prepare a robust yet low trust estate plan that works across borders and unpredictable events... 