Uphold introduced Vault Inheritance, a $19.99-per-month feature that lets customers name beneficiaries for XRP, bitcoin (BTC) and Hedera (HBAR) held in its app-based Vault wallet. The assisted self-custody model combines user control with company support for replacing cryptographic keys, the credentials needed to authorize transactions. U.S. subscribers receive a free 30-day trial. After a customer dies, Uphold reviews legal documentation before approving a claim and transferring the holdings into the beneficiary’s wallet; beneficiaries cannot spend the assets before approval. Customers can invite and replace beneficiaries through their dashboard, and the designated recipient does not need prior digital-currency experience. Current Vault customers will receive revised pricing after Dec. 31, 2026. The service addresses the risk that cryptocurrency can remain inaccessible when heirs lack private keys or recovery information, even if they hold legal ownership. Uphold said nearly 4 million BTC, valued at about $331 billion, may be stranded, while River has estimated that 1.57 million bitcoin were permanently lost, with 98% of those losses occurring before 2020. Uphold Vault launched with XRP support in December 2023 and added bitcoin in April 2024. The company’s September 28, 2026, “$XRP in a Vault” teaser referred to the inheritance feature rather than a separate XRP product.