calculate the "bus factor" of your portfolio. if you disappeared today, what is the mathematical probability your family recovers your assets?
*be honest. if they need your phone/2fa, count it as 0.
If you are incapacitated today, your family has a 99.8% mathematical certainty of losing access.
Explanation: You have a single point of failure (SPOF). Without a trustless dead man's switch, your assets are cryptographically indistinguishable from unspendable dust.
fix this (deploy switch)Your family might recover funds, but they face a 40-60% failure rate due to complexity or legal barriers.
Risk Factor: Relying on exchange custodians or a single person creates legal bottlenecks (probate) or social engineering risks.
secure with protocolYou have taken steps to ensure continuity. Ensure your beneficiaries actually know how to execute the recovery procedure.
in software engineering, the "bus factor" is the minimum number of team members that have to disappear (e.g., hit by a bus) before a project stalls due to lack of knowledge.
for 95% of crypto holders, the bus factor is 1.
if that 1 person is you, your family's inheritance is effectively zero. fixing this requires increasing your bus factor to at least 2 without trusting a third party.