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.
passing between American generations over the next 25 years.
sitting unclaimed in 29 million forgotten 401(k) accounts.
of Americans wouldn't know where to start if a family member died tomorrow.
the average time a family spends settling an estate.
None of these numbers require a tragedy. Only a delay.
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.
A vault you only open at the end never gets filled. This one earns its place in the household now.
Statements, deeds and policies in one sealed place — shared with your CPA in minutes, unshared just as fast.
2FA codes generate inside the vault, so a lost phone is an errand — not a lockout.
Shared entries keep the utilities, the registrar and the insurance current for both of you — while you're here, not just after.
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.
The first session is about twenty minutes. Settling an unprepared estate averages sixteen months. That's the trade.
Most of it. Not the passphrase, the 2FA resets, or which wallet is the real one — access is the part that never gets said out loud.
A folder can't verify a death record, wait thirty days to be sure, or show only the right pages to the right person. It also burns.
Writing it down doesn't hasten anything. It just means the worst week arrives with instructions instead of a search.
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 →Pilot families are sealing their vaults now. Their words land here when they're real — not before.
A guided first session takes about twenty minutes. You can seal the rest over the months that follow.