制定继承计划
快速回答
先列出你持有什么、放在哪(不要把私钥明文写下)。写一份非技术人士也能照做的分步取得说明,与资产分开安全保管,指定一位受信任的人并告知有此计划,并在持有或钱包变化时复查更新。
A good plan begins with an inventory: which wallets and exchanges you use, roughly how much each holds, and where the devices and backups physically are. Keep this list free of actual seed phrases or keys — it's a map that tells a trusted person what exists and where to look, not the keys themselves.
Next, write access instructions clear enough for someone non-technical to follow under stress. Spell out how to find the hardware wallet, what a seed phrase is and where the backup lives, which exchange accounts exist, and the exact steps to recover funds. Assume the reader has never used Bitcoin before.
Then choose who and secure how. Pick at least one trustworthy person (and ideally a backup), and decide on a method from the next guide — sealed instructions, multisig, or a service. The instructions and the keys should usually be stored separately, so that no single person or location is a complete point of failure or theft.
Finally, make it durable. Tell your chosen person that a plan exists and how it will be triggered, store everything where it survives fire, loss, and time, and review the plan whenever you change wallets, move large amounts, or your life circumstances shift. An out-of-date plan can be as harmful as none at all.
常见问题
Should I write my seed phrase in my inheritance instructions?
Avoid putting the seed phrase directly in instructions that point to where it's stored — that combines the map and the key in one place. Keep instructions and keys separate, so finding one document doesn't hand someone full access.
Who should I trust with my Bitcoin inheritance plan?
Someone reliable, discreet, and likely to outlast or be available when needed — often a spouse, adult child, or a professional like an attorney. Many plans split knowledge across more than one person so no single individual holds everything.
本文为一般教育信息,非法律、税务或财务建议。遗产与继承法律因国而异,你的情况也各不相同——行动前请咨询你所在司法辖区合格的遗产规划律师与税务专业人士。
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