制定繼承計畫
快速回答
先列出你持有什麼、放在哪(不要把私鑰明文寫下)。寫一份非技術人士也能照做的分步取得說明,與資產分開安全保管,指定一位受信任的人並告知有此計畫,並在持有或錢包變化時複查更新。
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 An out-of-date plan can be as harmful as none at all.
常見問題
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.
本文為一般教育資訊,非法律、稅務或財務建議。遺產與繼承法律因國而異,你的情況也各不相同——行動前請諮詢你所在司法管轄區合格的遺產規劃律師與稅務專業人士。
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