The household balance that knows what to do when someone dies, is hospitalised, or simply goes dark.

Money on chain dies with its key. Recovery schemes are all-or-nothing: either a seed phrase in a drawer, or a lawyer, or a multisig the family cannot operate at the worst possible moment. Nothing in between, nothing gradual, nothing reversible, and nothing a family member without a wallet can take part in.

A family drawn as a graph. You in the middle, the people you named around you, and a quiet-period ring that resets every time you touch your phone. Go quiet for long enough and authority begins to move to them, gradually, in the shares you set, over weeks. Touch your phone and it all comes back at once.

Anything large asks a witness on their phone, right then. Not a crypto product: a family product with no crypto vocabulary on any screen a family member sees.

Co-signature is only useful if the second person can approve within seconds at the point of need, and a handover is only safe if pulling it back is final before anyone can act on it. Arc settles both deterministically in under a second. Anywhere else the family is waiting on a pending transaction at the worst possible time.

• Custody fee. A small annual basis-point fee on the household balance, streamed per second.
• Setup and concierge. Households set up with a person on the phone, priced once.
• Estate services. Documents, notarisation and executor tooling for the handover, sold to the family and to advisers.

Tens of trillions of dollars will pass between generations over the next two decades, and an increasing share of it is held in accounts that die with a key. Every self-custodied balance held by someone with a family is a household waiting to be set up.

• Heir, live on Arc mainnet
• Household.sol: six tests, graduated handover
• Set up your household from your phone

1. Live nowThe graph, the handover, witnesses, the contract, set up from a phone.
2. 90 daysWitness notifications by message; passkey sign-in for family members; funding from a card through Circle.
3. 6 monthsEstate documents attached on chain; adviser portal; custody fee streaming; a thousand households.
4. 12 monthsRegulated pilots with two advisers; Heir as the default handover for consumer wallets on Arc.

A developer grant of USD 50,000 over six months funds witness messaging, passkeys, card funding and the first thousand households. Draft figure.

Built by one person, in the open, on a foundation that puts a new product on Arc in under an hour. Name your price, or free.

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