Collaborative Custody

Multisig and shared custody solutions that distribute key management across multiple parties.

Why We Recommend

2-of-3 multisig: you hold 2 keys, they hold 1. They cannot move your bitcoin without you. 100,000+ BTC secured across network. $500M+ loans originated with zero dollar losses. Key agent network includes Coincover, Bakkt, Kingdom Trust.

Services & Features

  • Collaborative custody vaults (personal & business)
  • Business loans (14%+ APR, institutional $3M+)
  • Bitcoin IRAs
  • Inheritance planning
  • Trading desk (buy/sell direct to vault)
  • Unchained Signature (white-glove service)

+4 more services

Why We Recommend

Built by Block (formerly Square). Named TIME's Best Inventions of 2024 (Privacy & Security). 2-of-3 multisig: you hold 2 keys (mobile app + hardware device), Block holds 1 recovery key (cannot act alone). Fully open-source under MIT license. Available in 95+ countries.

Services & Features

  • No seed phrase required (seedless security)
  • Fingerprint authentication
  • Mobile Pay mode (transfer without hardware option)
  • Inheritance feature for beneficiaries
  • 2-of-3 multisig with trusted contacts recovery
  • Integrated with Cash App, Coinbase, Robinhood, and MoonPay

Why We Recommend

Lloyd's of London Coverholder (AM Best A+ rated). Launched December 2024. Uses Miniscript-powered Trident Vaults.

Services & Features

  • Trident Vault collaborative custody
  • Miniscript-powered multisig with timelocks
  • Named insurance policies (up to $25M/vault, $100M aggregate)
  • Bitcoin inheritance planning
  • Mining equipment coverage
  • Retail and institutional coverage

Why We Recommend

Founded 2018. Pioneer in consumer multisig. No KYC for membership. Inheritance included in all plans. Casa Enterprise launched 2025 for businesses.

Services & Features

  • 2-of-3 and 3-of-5 multisig vaults
  • Bitcoin, ETH, USDT, USDC support
  • Mobile key management
  • Inheritance planning (included in all plans)
  • Casa Enterprise for business treasuries
  • YubiKey and hardware wallet integration

+2 more services

Why We Recommend

First multi-user multisig wallet. Zero KYC. Famously refused Canadian court order during Freedom Convoy.

Services & Features

  • Flexible multisig (2-of-3 to 4-of-7)
  • Inheritance with timelocks
  • Byzantine platform for advisors
  • All major hardware wallets supported
  • Tor & own node support

Why We Recommend

2-of-3 multisig vault with keys held by 3 separate institutions (Onramp, BitGo, Coincover). No single entity can move funds. On-chain auditable. Full-reserve model.

Services & Features

  • Multi-institution custody (2-of-3)
  • Onramp Bitcoin Trust
  • Bitcoin-backed loans
  • Bitcoin IRAs
  • Inheritance planning
  • Tax-advantaged accounts

+2 more services

Why We Recommend

The Bitcoin Adviser operates as a non-custodial advisory service, meaning they never hold your Bitcoin or control your keys. Their collaborative custody model uses 2-of-3 multi-signature setups with hardware isolation, on-chain recording, audit trails, and optional video attestation for geographically distributed security. They recommend established hardware wallets like Trezor Safe 3 or Safe 5 for client self-custody implementations.

The firm has been serving Bitcoin clients since 2016 and reports managing advisory relationships covering over $1 billion in Bitcoin assets. They are recognized by Bitcoin Magazine as one of the top Bitcoin consultants for secure self-custody in 2025, alongside other leading specialist firms.

Client testimonials show 24+ verified reviews averaging 4.8/5 rating, with a separate listing rated 4.9/5 (25 reviews). Their approach emphasizes reducing single points of failure and ensuring heirs can access Bitcoin safely through structured inheritance planning without exposing keys to unnecessary risk.

Services & Features

  • 2-of-3 multi-signature custody setup
  • Estate and inheritance planning
  • Hardware wallet configuration guidance
  • Ongoing advisory support
  • 95% Lend borrowing product (0.5 BTC fee)
  • 1% annual advisory fee on assets

+2 more services

Why We Recommend

Bitcoin Keeper is a fully non-custodial, open-source wallet where users maintain complete control of their private keys. The company never has access to user funds and cannot sign or authorize transactions on behalf of users.

The application code is publicly available on GitHub (bithyve/bitcoin-keeper), allowing independent security review by the community. Bitcoin Keeper provides signed checksums and detached GPG signatures for APK verification, enabling users to confirm they are running authentic, unmodified software. WalletScrutiny has included Bitcoin Keeper in their build verification efforts, indicating attention to transparency.

The wallet supports connecting to your own Bitcoin node, eliminating reliance on third-party servers for transaction verification. Multi-key vault configurations distribute signing authority across multiple devices and locations, removing single points of failure. The app is Bitcoin-only, avoiding the complexity and attack surface of multi-asset wallets.

Services & Features

  • Multisig vaults (2-of-3 to 3-of-5)
  • Hardware wallet integration
  • Inheritance planning with time-locks
  • UTXO and fee management
  • Collaborative custody tools
  • Canary wallet monitoring

+2 more services