Catalog
Every bank account, folio, policy, property paper, loan, crypto wallet, domain — and the letters you want read someday. Each item is encrypted on your device before it ever travels.
Zero-knowledge digital inheritance · Built for India
Everything you own, found by the ones you love.
A zero-knowledge encrypted vault for every asset, liability, account and document you'd leave behind — sealed while you live, released to your family through a staged dead man's switch when you're gone.
- End-to-end encrypted on your device
- 72-hour veto on every release
- DPDP-compliant, India-first
₹0 crore+
sits unclaimed across Indian banks, insurers, EPF and dividends — because families never knew it existed.
15–25
financial touchpoints per urban Indian: accounts, folios, policies, lockers, wallets — plus 40+ digital accounts.
<5%
of Indians have a will. And a will says who inherits — it rarely says where anything is.
What happens today
The money isn't lost to fraud. It's lost to silence.
When someone dies in India, their family begins a detective investigation with no map. Here is the case file, in the order it usually unfolds.
The search
Weeks spent digging through physical files, drawers, old emails — if anyone can get in — and bank statements arriving by post, guessing at what exists.
weeks → monthsThe gauntlet
Every discovered institution runs its own claim process: death certificate, legal-heir or succession certificate, indemnity bonds, notarised forms. Each one, separately.
per institutionThe purgatory
Whatever isn't found within a few years slides quietly into DEAF and IEPF — the state's unclaimed-funds ledgers. Recovery is possible. It is also painful.
₹78,000 cr and countingThe ambush
Liabilities surface on their own schedule: the personal loan nobody mentioned, the credit card, the loan-against-securities liquidated at the worst possible time.
surprise debtHow it works
Catalog. Stay alive. Release.
One quiet loop, running for decades. You keep a sealed inventory; the vault keeps watch; and only a verified absence — never a hack, never a request — opens it.
Stay alive
A check-in every 15, 30 or 60 days — your choice. Opening the app counts. Miss one, and the vault asks you first, long before it whispers to anyone else.
Release
Only after five verification gates. Each person receives exactly the tier you assigned — everything, documents only, or just the list — with a claim playbook attached.
And between the check-ins? The vault earns its keep as your private financial inventory — see what it does while you're alive.
Zero-knowledge
We couldn't read your vault if we tried.
"Give a company a list of everything you own" is a hard ask. So we built it to require no trust at all.
- Your passphrase never leaves your device. Keys are derived locally with Argon2id; the server receives only a login proof that can't decrypt anything.
- Envelope encryption, client-side. Every item is sealed with libsodium on your device. Ciphertext in, ciphertext out.
- Our servers hold ciphertext plus the few plain fields your reminders need — a title, a category, a date. Never an account number, never a secret.
- Don't take our word for it. The client is open source — the zero-knowledge claim is checkable, line by line.
What you see — on your device
HDFC Savings — Salt Lake branch nominee current
Account 50100••••4812
Nominee Priya · wife · verified 2026
Note FD linked; auto-renews in March.
What our servers see — all of it
xsalsa20poly1305$9tPq2VfKcW8jRzLmA1uYxEoDnB4gHsIe 7NkQvTZaXbCdMfUwJpG5hyO0lr3E6iSKtRmVzq8YceLW2oxAd FnPbgTUjD1vNKMwyC9sHQa4XiZ0uRkE7lJfGhB5mtSpOc63wV
Sealed client-side with libsodium · keys derived with Argon2id · ciphertext illustrative
The dead man's switch
Five gates. No shortcuts. No lone keys.
A vault that opens too easily is a weapon; one that never opens is a tomb. The switch walks a narrow path between the two — slowly, loudly, and on the record.
Stage 0 · Life as usual
A quiet check-in, and nothing more
Every 15, 30 or 60 days — you choose — the vault asks for a tap. Opening the app counts; passive signals keep the nagging rare. The vault stays sealed and nobody is contacted.
Stage 1 · A missed check-in
We escalate to you — and only you
Push, then SMS, then email, then an automated call, across a grace window you configured. Most alarms end here, with one tap from a beach or a hospital bed.
Stage 2 · Grace expired
We ask your people one question
Your Tier-1 trusted contacts hear: "Is everything okay?" Any one of them can answer "all fine" and reset the switch — and you're notified that they did.
Stage 3 · Death claimed
Proof, not panic
A release now requires a death certificate, human review, a registry cross-check where available, and a mandatory second Tier-1 confirmation. No single person — not a contact, not an employee — can push it through alone.
Meanwhile: your 72-hour veto fires on every channel you haveStage 4 · Verified
Staged release, exactly as you wrote it
Only now does the vault open — in tiers. Your spouse receives everything; your brother, the asset list; your lawyer, the will. Each recipient gets a claim playbook, not a puzzle.
Claim playbook — HDFC Bank
savings ••••4812 · nominee route- Death certificate — original + 2 attested copiesdone
- Claimant KYC — PAN + Aadhaar of nomineedone
- Claim Form DA-1 — pre-filled from the vault, ready to printgenerated
- Nominee route confirmed — no succession certificate neededsaves months
- Branch: Salt Lake, Kolkata — claims desk, with escalation contactmapped
- If stalled past the deadline: Banking Ombudsman via RBI CMSplan B
Day 12 of the claim on track · 60–90 day target
The claim playbook
After release: a map, not a maze.
Recipients don't get a data dump. For every institution you catalogued, the vault generates a playbook — the exact documents needed, pre-filled forms, branch addresses, escalation routes and the deadlines institutions are legally held to, with follow-up reminders for the claimant.
2 yrs → 90 days
What a family detective saga becomes when someone drew the map in advance.
While you're alive
Useful every year you don't need it.
A legacy vault nobody opens goes stale in a year. So this one doubles as the tidiest financial inventory you'll ever keep.
The nominee audit
A yearly sweep of every nomination you hold, because institutions won't tell you they're stale.
"Nominee: father (deceased 2011)" — a real and common state of affairs.Renewal radar
Insurance lapsing, FDs maturing, domains expiring — surfaced weeks ahead, while it's still cheap to act.
Net worth at a glance
Assets minus liabilities, across every institution you've catalogued — a number most people have never actually seen.
The financial fire drill
One tap simulates exactly what your family would see if today were the day. Find the gaps while you can still fix them.
Anti-abuse, by design
Built for the worst day. Defended against the worst people.
No lone trigger
No single contact — and no employee — can release anything, ever. Two independent confirmations plus documentary proof, every time.
The veto is absolute
Every release attempt starts a 72-hour veto broadcast on all your channels, cancellable from any logged-in device. The window never shrinks.
Panic freeze
One code seals the vault instantly — including under coercion. Unfreezing requires the full recovery ritual, not a second code.
Everything on the record
An append-only audit log. Every attempt, confirmation and release is timestamped forever — and you're notified of each one.
Pricing
Less than a bank locker. It holds considerably more.
Most chosen
Premium
₹1,499 / year
- Unlimited vault items
- Staged release tiers per recipient
- Claim playbooks per institution
- Letters & video, released only after
Family
₹2,999 / year
- 4 vaults — parents + couple
- Shared family dashboard
- Set it up for your parents
NRI / Pro
$49 / year
- Cross-border claim playbooks
- Assets in two countries, one vault
- Priority verification
Launch pricing. Zero-knowledge encryption is in every tier — including free. It isn't a feature; it's the architecture.
Early access
Leave them clarity, not a treasure hunt.
Two hours of cataloguing now saves your family two years of searching later. Join the early-access list and be first through the door.
You're on the list. One email when your vault is ready — nothing else.
Early access opens in batches. No spam, ever.