Stemma is an encrypted vault for the records a household actually runs on — passwords, deeds, brokerage logins, seed phrases, the letter you keep meaning to write. You hold the only key. When it's truly time, it passes to the people you chose.
Most estates don't fail on money. They fail on access — a locked phone, an unnamed bank, a wallet nobody knew existed. Stemma keeps the access itself.
Banking, email, utilities, the domain your business runs on — with the 2FA backup codes that actually get people in.
Deeds, titles, insurance policies, the will itself — plus where the signed originals physically live.
Brokerage access, account numbers, seed phrases and hardware-wallet locations — the part that is simply gone if it isn't written down.
Sealed messages for specific people, delivered with everything else. The instructions, and the things that aren't instructions.
Add accounts, documents and keys as you think of them. Everything is encrypted on your device before it leaves; we store ciphertext we cannot open.
Choose beneficiaries per item or across the vault. Your spouse sees the finances; your executor sees the will; nobody sees anything today.
Delivery waits for the conditions you set — a verified death record, or check-ins you stop answering. You can pause or change it any time you're here.
Your vault is encrypted before it reaches us, with a key derived from a passphrase only you know. We could not read it under subpoena, acquisition, or our own curiosity.
It's a quiet handover on the worst week of their life: the accounts already named, the deed already found, your letter on top. No password guessing, no drawer-by-drawer search, no calling banks with a death certificate on the desk.
Beneficiaries don't install anything today. They're invited when — and only when — release conditions are met.
How inheritance works →A guided first session takes about twenty minutes. You can seal the rest over the months that follow.