6 Best Multisig and Inheritance Wallets in 2026
The best multisig and inheritance wallets in 2026 compared on key setup, recovery features, coins and pricing. See Casa, Unchained, Nunchuk, Bitkey, Safe and Liana.
Tested and reviewed by Jonathan West · Updated July 19, 2026
Finding the best multisig wallet means choosing how signing keys are split across devices and who helps you recover them. A multisig setup requires more than one key to approve a transaction. These options are compared on their key distribution models, inheritance tools, asset support, and listed plan prices. At PipeFlare, we compare custody workflows using published plan details. Providers update subscription tiers and recovery paths over time, and this guide reflects each service as of Oct 2026.
Learn how a multisig wallet works before you choose one
Casa
Best for: Best for managed multisig vaults with inheritance
Casa provides multi-key vaults for individuals and organizations; Casa holds one key as a backup and co-signer. Its service supports bitcoin, ether, and stablecoins across multiple membership levels. Inheritance claims start a 6-month verification period, and owners can revoke recipient access.
Strengths
Supports bitcoin, ether, and stablecoins
Six-month inheritance verification window
Clients across 46 or more countries
Limitations
Enhanced inheritance verification is US only
Annual subscription cost on paid vaults
Pricing: Standard $250/yr; Premium $2,100/yr
Unchained
Best for: Best for bitcoin collaborative custody with advisory support
Unchained delivers collaborative custody vaults where keys are distributed so no single party or hardware device controls user funds. Signature plans include hardware wallets and a relationship manager. Vault services focus strictly on bitcoin holdings.
Strengths
Collaborative custody prevents single-party control
Signature plans include hardware devices
Inheritance Boot Camp offers advisory meetings
Limitations
Bitcoin only
Bitcoin IRA accounts are US only
Pricing: $250 per vault/year; Signature $6000 first year
Nunchuk
Best for: Best for assisted bitcoin multisig with timelock inheritance
Nunchuk supplies software for unassisted multisig alongside paid plans with on-chain timelock inheritance. The application works with air-gapped hardware signers using quick response codes or storage cards. Changing an inheritance setup later requires configuring a fresh wallet and paying transaction fees.
Strengths
Free do-it-yourself multisig plan
Air-gapped signing over QR or SD card
Autonomous on-chain timelock inheritance
Limitations
Bitcoin only
Inheritance updates require moving funds on-chain
Pricing: Free; Iron Hand 120/year; Honey Badger 480/year
Bitkey
Best for: Best for a simple 2-of-3 bitcoin wallet
Bitkey is a bitcoin-only 2-of-3 multisig wallet. The customer controls two keys while the company holds the third key for recovery. Its page states: 'Supporting only Bitcoin reduces system complexity and attack surface'.
Strengths
Simple two-of-three key distribution
User controls two of three keys
Company holds one recovery key
Limitations
Bitcoin only
Inheritance details not published
Pricing: $250 listed price
Safe
Best for: Best for teams and treasuries across many networks
Safe operates smart account infrastructure featuring configurable signing thresholds and recovery policies across more than 40 blockchain networks. The platform connects directly to hardware devices like Ledger or Trezor and handles multi-party approvals.
Strengths
Coverage across 40 or more networks
Custom signer counts and threshold rules
Integrates with Ledger and Trezor hardware devices
Limitations
Inheritance details not published
Safe{Wallet} base transaction fees not published
Pricing: Safe Pro from EUR 189/month; Safe{Wallet} price Not published
Liana
Best for: Best for timelocked recovery paths in open-source software
Liana is a bitcoin-only wallet where spending conditions change over time; timelocks are on by default so recovery paths activate after a delay, and family members can be named to recover after a set delay. Community Edition is open-source and uses your own node.
Strengths
Free open-source Community Edition
Automated timelock recovery paths
Pairs with personal bitcoin nodes and hardware signers
Limitations
Bitcoin only
Business tier charges monthly percentage fees
Pricing: Community Edition free; Business 0.016% of bitcoin secured/month
Summary comparison
| Option | Multisig setup | Inheritance or recovery | Coins | Pricing |
|---|---|---|---|---|
| FeaturedYour company here, pinned above every listing Get featured → | ||||
| Casa | 3-key or 5-key vaults; Casa holds one key | Inheritance claim with a 6-month verification period | Bitcoin, ether and stablecoins | Standard $250/yr; Premium $2,100/yr |
| Unchained | Collaborative multisig vaults; hardware wallets included in plans | Signature plans include inheritance; Inheritance Boot Camp $4000 | Bitcoin | $250 per vault/year; Signature $6000 first year |
| Nunchuk | Free DIY multisig; assisted wallets from 2-of-3 to 3-of-5 | On-chain timelock inheritance with guided claims | Bitcoin | Free; Iron Hand 120/year; Honey Badger 480/year |
| Bitkey | 2-of-3: you hold two keys, the company holds one | Integrated inheritance listed; details Not published | Bitcoin | $250 listed price |
| Safe | Smart account with configurable signers and thresholds | Recovery mechanisms listed; inheritance Not published | 40+ networks | Safe Pro from EUR 189/month; Safe{Wallet} price Not published |
| Liana | Miniscript wallet; spending conditions change over time | Named family members can recover after a set delay | Bitcoin | Community Edition free; Business 0.016% of bitcoin secured/month |
| Sparrow Wallet | Full single-sig and multisig support on common script types | Not published | Bitcoin | Free to download; Apache 2 licensed; donations accepted |
| Electrum | Multisig lets you split spending permission between several wallets | Not published | Bitcoin | No cost; MIT licensed |
| Vultisig | MPC vaults: Fast Vault (server co-signs) or Secure Vault (multi-device m-of-n) | No seed phrase; recovery terms Not published | 36+ chains incl. Bitcoin, Ethereum, Solana | Free to use; 0.5% swap and bridge fee |
| Safeheron | Institutional MPC self-custody; off-chain multisignature approvals | Not published | All public EVM-compatible blockchains (DeFi Vault) | Not published; request a demo |
| Squads | Multisig platform to secure and manage Solana assets | Not published | Solana | Not published |
| Specter Solutions | Open-source signing hardware; multisig not mentioned on homepage | Not published | Bitcoin | Not published |
| TotalSig | Approval rules such as 2-of-3; up to 32 co-signers; non-custodial | Backup and inheritance listed as a general use; no specific feature | Bitcoin, Ethereum, Solana, Tron, Litecoin, Dogecoin and more | No plan prices published; Chrome extension |
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Wallet choice by custody setup and coins
There is no single best multisig wallet for every user, because the right choice depends on your asset types, signing needs, and whether you want a company to hold a key. For managed multisig vaults, Unchained and Casa provide structured subscription plans. For holders who prefer free do-it-yourself software Liana Community Edition and the Nunchuk free plan are free to use. Asset selection narrows your available platforms immediately. Safe lists 40 or more networks and lets teams set configurable signers and thresholds. In contrast, Unchained, Bitkey, and Liana are exclusively bitcoin products. Casa handles bitcoin alongside ether and stablecoins across multiple vault tiers. Key distributions also determine how transactions get approved. Bitkey fixes its threshold at two of three keys, where the user holds two keys and the company holds the third for recovery. Nunchuk offers flexible tiers ranging from two-of-three up to three-of-five configurations on its Honey Badger Premier plan, while Casa provides three-key, five-key, or six-key vaults.
Managed services versus do-it-yourself software
Casa holds one key as a backup and co-signer, while Unchained and Nunchuk offer collaborative or assisted multisig plans. Nunchuk provides a zero-dollar tier for independent multi-device setups using desktop or mobile operating systems, connecting directly via air-gapped signing with storage cards or visual codes. Liana Community Edition delivers open-source software maintained by Wizardsardine, letting users build recovery paths that connect to their own node. Managed services like Unchained include dedicated relationship managers on premium tiers like Signature.
Inheritance and recovery features compared
Inheritance features vary from automated on-chain timelocks to structured verification periods. Casa handles estate planning by letting beneficiaries file claims that trigger a six-month verification period. Owners can revoke recipient access. Liana and Nunchuk use on-chain timelocks that activate recovery paths after a set delay. Liana lets users designate family members who can recover funds after a set delay. Nunchuk describes its autonomous inheritance as non-KYC; its Honey Badger plan includes an inheritance package, though altering your inheritance parameters later requires creating an entirely new assisted wallet and paying on-chain network fees to migrate funds. Other platforms publish fewer specifics regarding estate planning workflows. Unchained charges a $4,000 fee for its Inheritance Boot Camp, delivering four meetings alongside Gannett Wealth Advisors and Unchained. Conversely, Bitkey lists integrated inheritance as a feature but leaves the operational details unpublished on its product pages, and Safe lists account recovery mechanisms while leaving specific personal inheritance workflows unpublished.
Pricing compared across personal and business plans
Software costs range from zero-dollar open-source downloads to high-touch annual memberships. Liana Community Edition and Nunchuk DIY tools are free to download and operate. Bitkey has a listed price of $250. Collaborative custody subscriptions introduce recurring annual or monthly costs. Unchained starts at $250 per vault each year, scaling to its personal Signature package at $6,000 for the initial year and $4,500 annually thereafter. Casa charges $250 per year for its three-key Standard membership with a 30-day trial, $2,100 annually for five-key Premium access, and $2,750 per year for three-key Business memberships, alongside custom Enterprise rates. Safe Pro plans begin at 189 euros per month for two accounts on its Starter tier, Business from 669 euros per month plus applicable value-added taxes, while Safe{Wallet} core platform fees remain unpublished. Liana Business charges a recurring rate of 0.016% of bitcoin secured each month.
The verdict
The best multisig wallet depends on your assets, preferred recovery methods, and software budget. Casa lists vaults for bitcoin, ether, and stablecoins backed by a six-month inheritance verification period. Unchained provides bitcoin collaborative custody with advisory meetings. Nunchuk offers two-of-three up to three-of-five assisted wallets with timelocks, while Bitkey provides a simple 2-of-3 bitcoin wallet. Safe supports 40+ networks, while Liana provides a free Community Edition.
Frequently asked questions
What is the best multisig wallet?
No single multisig wallet fits every user. Casa is best for multi-asset vaults holding bitcoin and stablecoins with managed inheritance. Unchained suits bitcoin holders seeking collaborative custody with dedicated advisory support. Safe serves teams managing funds across 40 or more networks, while Liana and Nunchuk provide flexible timelock options.
Is there a multisig wallet with inheritance?
Yes, several multisig wallets integrate inheritance and recovery tools. Casa uses an inheritance claim protocol featuring a six-month verification delay where owners can revoke recipient access. Nunchuk offers autonomous timelock inheritance on paid Honey Badger tiers, while Unchained provides an Inheritance Boot Camp with four meetings with advisors. Bitkey lists inheritance features, but detailed mechanics remain unpublished.
Can I use multisig for ether and stablecoins?
Casa lists bitcoin, ether and stablecoins vaults. Unchained, Bitkey, Liana, and Nunchuk list bitcoin only.
Is there a free multisig wallet?
Yes, Nunchuk and Liana provide free do-it-yourself software editions. Nunchuk offers a free plan allowing users to construct independent multisig wallets with air-gapped hardware devices. Liana Community Edition is free, open-source software from Wizardsardine that connects to personal nodes and configures timelocked spending conditions without subscription fees.
Does the provider hold one of my keys?
Casa holds one key to provide recovery support while users retain primary signing keys. Bitkey holds one key to assist with recovery, while you control two keys. Unchained also uses collaborative setups where keys are distributed so no single party or device controls funds.
Sources
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