Digital Inheritance
Discussion / Idea Gathering
- Insurances + Insurance Certificates
- Invoices
- Contracts (Mobilfunk, Festnetz, Fernsehen etc. )
- Documents
- Bank Statements
Initial overview what "belongs to a person"
Paperless
- self-hosted on a vps with full disk encryption
- password protected
- backup on a different host ( encrypted and password protected
- Traditional bank institutes with branches and people
- "Offline banking"
- Printed bank statements
- Traditional banks - Banking Software 📱🧑💻
- Neo Banks (Mobile number / email based logins ) - 📱
- Neo Brokers ( mobile number / email based ) -> Mobile Phone
- Digital currencies ("Crypto") -> 📱🧑💻
- flashcards hidden inside the house
- by luck access to the phone (not secured with a pin)
Online Accounts and Access
- password manager (with unique password per service)
- 2fa with mobile phone
- 2fa with yubikey
- phone is locked + encrypted
Deadman Switch
- Prepare a document with all necessary information about what banks, insurances, contracts etc. are present
- Include information on last will etc
- Include information on how to access your accounts, online-services etc
- Setup a "deadman switch" which requires you to periodically "check-in"
- If a check-in doesn't happen within set times the information is released to the person you decided to be handling the process of the inheritance
- onepassword has a "digital emergency kit"
- includes a form of a deadman switch
- the service might go away in the future
- bitwarden has the same features
- be careful with shared bank accounts (husband+wife) the bank can still freeze it
- printing it out to paper
- locker at the bank
- write a last will at the notary
- go to the court ("nachlassgericht")
- Diffie-hallman key encoding for distributing password to access data
- Google account can provide other people with access