PA Cryptocurrency Estate Planning

Cryptocurrency creates planning problems unique among PA estate assets. Without key access, the crypto is unreachable; with too-public key documentation, it is stolen during life.

Custody types

Custodial (Coinbase, Kraken) accounts behave like brokerages — beneficiary access via account credentials and death certificate. Self-custodied wallets require key recovery.

Key documentation

Sealed letter with key location, multi-sig with co-signers, or specialized inheritance services. Never include keys in the will (which becomes public).

RUFADAA grant

PA wills should include explicit fiduciary authority over digital assets and cryptocurrency. See digital assets in PA wills.

Inheritance tax

Crypto is taxable property valued at fair market value on the date of death. Document the valuation source.