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Most Bitcoin
isn't inheritable.

Bitcoin is the hardest money ever created. Without the right structure, it's also the most fragile.

The Fortress Endures.
3.7M+
BTC estimated permanently lost
~20%
of all Bitcoin supply, inaccessible
<1%
of estate plans include an actual execution process at death

Most buyers end up in one of two places.

Path One

Third-Party Custody (Coinbase, Robinhood, BlackRock's IBIT, and others)

When you hand custody to a third party, you give up the properties that make Bitcoin worth owning. No private key means no sovereignty, no censorship resistance, and no guarantee of access when it matters most.

What goes wrong
Bitcoin ownership is determined by who controls the private key. On an exchange, you do not hold the key. You hold an IOU.
Exchanges can freeze accounts, fail, or get hacked at any time.
Exchange failures have cost customers over 1 million Bitcoin. Mt. Gox (2014), FTX (2022), and BlockFi (2022) alone wiped out billions in customer funds. Most never got it back.
If your account is compromised, the exchange sees a normal transaction. There is no way to reverse it.
Exchanges operate under government jurisdiction. Your access can be restricted or revoked at any time.
or
Path Two

Pure Self-Custody (Ledger, Trezor, Coldcard, and similar hardware wallets)

Self-custody keeps your Bitcoin safe and sovereign while you're alive. It's the correct approach. But without a documented plan for what happens after you're gone, the setup that protected your Bitcoin becomes the barrier that locks your heirs out of it.

What goes wrong
One wrong move: lost seed phrase, damaged device, or forgotten password. Your Bitcoin is gone permanently.
If you are hospitalized or incapacitated without a plan, no one can access your Bitcoin on your behalf.
Protecting your Bitcoin from theft is the easy part. Surviving you is not.
Heirs have no documented path forward after death.
That's the problem ARX was built to solve.
There is a third path.

The right answer isn't to pick between third-party custody and pure self-custody. It's to fix self-custody's only real weakness. ARX does that through collaborative multisig, a three-key structure where you hold the primary key, we hold a co-signing key, and a third-party vault provider holds an emergency recovery key. When you're gone, your executor has a documented process instead of a locked wallet and a prayer.

YOU
Your key · your device
You initiate every transaction. No one moves your Bitcoin without your explicit action. Full sovereignty, always.
+
ARX BTC
Offline · air-gapped
We hold a co-signing key offline. We verify your identity and intent before every co-signature. We can only act after you do.
+
VAULT KEY
Emergency · time-delayed
A vetted third-party vault provider holds the emergency recovery key. Time-delayed access. No unilateral control.
2 of 3 keys required to move Bitcoin  ·  No single party can transact alone  ·  You retain full sovereignty

Sovereignty with structure. Control without fragility.

ARX sits alongside you as an administrative co-signer. Not a custodian, not a fund, not an advisor. You hold the primary key. We provide verification, co-signing, and the continuity infrastructure your estate needs.

01

Collaborative Custody

Your Bitcoin stays in a vault only you can initiate. We co-sign after verifying your intent. The vault provider holds an emergency key. No single point of failure, ever.

02

Inheritance Architecture

Full continuity planning from day one. Your executor has instructions. Your heirs have a path. Your attorney has documentation.

03

Advisory & Education

Private education and market intelligence so your family understands what they hold and why it matters.

Having Bitcoin in your estate plan and having a working transfer process are two different things.

Your executor has a clear process. Your heirs have a clear outcome. Nothing is left to chance or technical complexity.

01
Owner Passes
Your documented inheritance instructions are already in place. Nothing needs to be figured out under pressure.
02
Executor Contacts ARX BTC
Your executor follows the roadmap provided at onboarding. One point of contact, clear next steps.
03
Legal Authority Verified
ARX verifies the death certificate, executor credentials, and estate attorney documentation before proceeding.
04
Co-Sign Per Instructions
We co-sign transactions strictly according to your documented intent. No interpretation, no discretion.
05
Bitcoin Reaches Heirs
Your Bitcoin transfers cleanly to the right people, in the right amounts, without technical failure or legal ambiguity.

Long term holders.

Our clients share a particular orientation toward Bitcoin. They've done the work. They understand why it matters, not just what it's worth today. They think in decades, hold conviction through volatility, and have no interest in trading in and out. Bitcoin only. Long time horizon. Low time preference.

The Bitcoin Holder
You've accumulated a position that matters to your net worth. You hold it in self-custody, on an exchange, or through an ETF. You want the structure that ensures it reaches the people it was meant for.
The Family Office or UHNW Investor
You've allocated to Bitcoin as part of a broader portfolio. You need institutional-grade structure, documentation, and a named counterparty for inheritance events, not a retail custody solution.
The Business Allocating to Bitcoin
Your company has made or is considering a Bitcoin treasury allocation. Custody at the corporate level requires more than a hardware wallet. It requires documented structure, board-level accountability, and a plan that survives any single employee.
Minimum engagement: 1 BTC under collaborative custody.
The Fortress Endures.

Your Bitcoin is
only as durable as
the plan behind it.

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Arx
/ ärks /
Noun
Latin · Classical
1.A fortress or stronghold; a fortified place of refuge and defense.
2.A citadel; the highest and most protected point of a city, kept as a last refuge in times of siege or invasion.
3.A place of safeguarding; a seat of authority, continuity, and sacred trust.
Historical usage
The Arx Capitolina stood at the summit of the Capitoline Hill in ancient Rome, the fortified crown of the city, keeper of its most sacred institutions, and the last refuge when all else was in danger.
01

The Citadel

At the summit of ancient Rome stood the Arx Capitolina, the fortified crown of the Capitoline Hill. It was the highest point in the city, the last refuge when all else was in danger, and the keeper of what the Romans held sacred.

02

The Mint and the Word

Within its walls stood the Temple of Juno Moneta. Juno, as Moneta, "she who warns" or "advises rightly," embodied foresight and sound judgment. Around 269 BCE, the Romans placed their official mint inside her sanctuary. Because coinage was struck there, under her protection, the word moneta became the Latin root for coin, and eventually for money itself.

03

A Moral Covenant

But the original meaning was never purely economic. It was moral, a covenant between issuer and people. Value, to the Romans, derived not from decree but from duty: the assurance that worth was anchored in something enduring and true.

04

The Moral Architecture

The Arx and the Temple of Juno Moneta together formed the moral architecture of civilization. They guarded the city's faith and continuity through invasions, fires, and the slow turning of empires. When the world outside fell into uncertainty, the Arx remained.

05

The Lineage We Carry

It is this lineage, guardianship, integrity, endurance, that we carry in the name ARX. Bitcoin, too, stands as a kind of Arx. Incorruptible, unseizable, sovereign by design. Time has replaced stone with code, but the principle holds: what is sacred must be protected not by decree, but by structure.

That is the spirit we carry forward.