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STEMMA
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Private estate records

A ledger of everything you hold — and standing orders for where it goes.

Stemma keeps your passwords, deeds, brokerage access, seed phrases and letters in one encrypted ledger. It stays sealed while you're here, and settles to the people you named when the conditions you set are met.

ZERO-KNOWLEDGEAES-256-GCMEXPORT ANYTIME
Estate ledger SEALED · IN GOOD ORDER
Accounts & logins 128 entries
Deeds & documents 34 files
Crypto — seed phrases 6 wallets
Sealed letters 3 · named
Standing order
MA DA AN 3 beneficiaries · release on verified record
What the ledger holds

Access is the estate. Record it like one.

Money that can't be reached isn't inherited — it's abandoned. The ledger records the way in, next to the thing itself.

EntryWhat it coversPasses to
Passwords & 2FA Banking, email, utilities, registrars — with the backup codes that make recovery possible. Maya · executor
Deeds & policies Titles, insurance, the will — and where each signed original physically sits. Maya · Ana
Brokerage & crypto Account access, seed phrases, hardware-wallet locations — the entries that are simply lost if unwritten. Maya · Daniel
Sealed letters Messages for named people, delivered alongside everything else — instructions, and the rest. each · as addressed
How it works

Like a bank's back office, without the bank seeing anything.

01

Record, and seal on your device

Every entry is encrypted locally with a key derived from your passphrase before it syncs. What reaches our servers is ciphertext we cannot open.

02

Write the standing orders

Assign each entry to beneficiaries, per item or wholesale. Your spouse gets finances; the executor gets the will; a friend gets one letter. Nobody is notified today.

03

Settlement, only when verified

Release waits on the conditions you chose — a verified death record, or scheduled check-ins you stop answering, with a waiting period you control. Until then, the ledger stays sealed.

Security, stated plainly

The vault is useless to us, to a thief of our servers, and to anyone with a court order. That is the design, not a promise.

Read the security paper →
AES-256-GCMat rest and in transit
Zero-knowledgekeys never leave your device
Open exportleave with everything, any day
The other side of the ledger

Settlement, not a scavenger hunt.

When release conditions are met, the people you named are invited in — each to exactly what you assigned them. The accounts are labeled, the deed is where you said it was, your letter is on top. On the worst week of their lives, they inherit order instead of a locked phone.

How inheritance works →

Open the ledger while it's easy.

The first entry takes a minute. The peace of mind compounds from there.

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NO CARD REQUIRED · EXPORT ANYTIME · CANCEL AND KEEP YOUR DATA
← A · Atelier Bank B · Heirloom Ledger