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Live on Stellar testnet

Your keys die with you.Your estate doesn't have to.

Sign once. If you ever stop using your Stellar account, the network itself hands it to the person you chose, after a warning you can cancel with one click.

Create your planI received a packet
  • No custodian
  • No shared seed phrase
  • No smart contract to trust
riktha/planProtocol view
0dquiet of 180Your accountYour heirNotice180 days quietHandover30 days laterGrace period: 0 of 30 days

A blockchain can't tell someone who is gone from someone who is quiet. So between 2.3 and 3.7 million bitcoin are lost for good.1

Stellar now holds more than $3.9 billion in tokenized real-world assets,2 and none of the inheritance tools built for Bitcoin or Ethereum cover it.3 The options today are to share a seed phrase, write it into a will, or lose everything.

How it works

Step 1 of 4

  1. 1Name your heir

    Pick who inherits: someone with a Stellar wallet, or anyone with an email address. Choose how long Riktha should wait: 90, 180 or 365 days.

Your accountYour heir

Your heir is named, but has no power over your account.

Try both sides

A working preview with demo data. Press “I'm alive” as the owner, or open the inheritance as the heir.

riktha.vercel.app/dashboard

Your plan

Armed

Demo: seconds stand in for days.

Notifications

  • Your Riktha plan is armed

    Today

  • Check in: 50% of your window has passed

    Last month

Your heir doesn't need to know crypto

Name them by email. Your browser creates their key and locks it with six words that only you see. Riktha never holds a usable key, and your heir never needs a wallet.

  1. Claim code

    1. 1harbor
    2. 2violin
    3. 3maple
    4. 4ocean
    5. 5tiger
    6. 6lantern

    1You keep six words with your will

    Shown once, in your browser, with a print option. Riktha never sees them.

  2. From Riktha

    You can claim the inheritance now

    Open your inheritance page and enter the six words the owner gave you.

    Open your inheritance page

    2They get an email when it's time

    A plain message with a link. Nothing to install, no account to create.

  3. Send funds

    GDQX…EXCH
    2,500 XLM
    memo 4471

    ✓ Sent

    3They claim and send it anywhere

    To their bank's crypto account or any exchange, with the memo the exchange asks for.

Enforced by the protocol, not by us

Riktha uses transaction preconditions added to Stellar in Protocol 19. Every guarantee below holds even if Riktha is hacked or shut down.

  • Riktha never holds a key

    The server stores only pre-signed transactions that the network refuses until their time comes.

  • Early claims are rejected

    Submit the handover a day early and validators turn it away. Nothing changes on your account.

  • One transaction cancels

    Anything you send after a notice uses the sequence number the handover needs. It can never run.

  • Your heir doesn't need us

    Their packet works with any Stellar tool, even if this site disappears.

  • Private until the end

    Before the handover the ledger shows two anonymous approvals. Your heir's address appears only at the end.

  • You keep your key

    Your own key is never removed. Before the handover your heir has no power at all.

0/10

scenarios proven on Stellar testnet

Early claims rejected, cancels made permanent, handovers completed, estates moved. Every result is a public transaction.

See the evidence
// signed once, valid later (CAP-21 preconditions)
notice = {
  seq:        s1,
  minSeqNum:  X,          // survives your normal activity
  minSeqAge:  180 days,   // only after you've gone quiet
  op:         BumpSequence()        // starts the claim
}
handover = {
  seq:        s1 + 1,     // any tx from you kills this forever
  minSeqAge:  30 days,
  op:         SetOptions(signer: heir)
}
6e2d234afa…c9bce0a5ef532c32…1d2c3610eb62591d…038db140a9945960…bbefceb089e79be6…a9c13a25f51c9417…44e891e1705d6c97…f5535b1328c6c27a…dbf2552aaeb66273…81f197a3adc95bb2…e44dda6e2d234afa…c9bce0a5ef532c32…1d2c3610eb62591d…038db140a9945960…bbefceb089e79be6…a9c13a25f51c9417…44e891e1705d6c97…f5535b1328c6c27a…dbf2552aaeb66273…81f197a3adc95bb2…e44dda

What it doesn't do

  • It isn't a legal will.

    Your heir may still need probate. Riktha is the technical half that pairs with one.

  • Only sent transactions count.

    Receiving money doesn't reset the clock, and neither does an app that sends your signature through someone else's account.

  • Standard accounts only.

    Multisig accounts and smart wallets aren't supported yet.

  • Testnet only, and unaudited.

    Don't rely on it for real funds yet.

Questions

Can Riktha take my money?

No. Riktha never holds a key that can move funds. The server only stores transactions that the Stellar network refuses until your windows have passed, and even then they can only add your chosen heir.

What if I'm just on a long holiday?

Before anything happens you get reminders at 50%, 80% and 95% of your window, then an urgent alert when a claim starts. One transaction from you, or one tap on “I'm alive”, cancels it.

What does my heir need?

Either their own Stellar wallet, or nothing at all: name them by email and give them the six-word claim code with your will.

What happens if Riktha shuts down?

Your heir's packet holds both pre-signed transactions. They can submit them with any Stellar tool; our /claim page even works without our servers.

Does it cost anything?

It's free while in testnet preview. Network fees are a fraction of a cent.

Sources

  1. 1 Ledger Academy, summarising Chainalysis estimates of lost bitcoin
  2. 2 Cointelegraph, Stellar tokenized RWA market nears $4B
  3. 3 Spark, crypto estate planning solutions compared

Sign once. Then get on with your life.

It takes about two minutes and one signature. You can change or cancel it any time.

Create your planSee it proven on testnet