The decisions Bitcoin holders actually have to make
Honest, side-by-side breakdowns of the custody and estate planning choices we work through with clients - including where each option genuinely fails.
Exchange vs Self-Custody in Australia
Leaving Bitcoin on an Australian exchange is convenient and forgiving of mistakes. Self-custody removes the counterparty but transfers responsibility to you. For holdings that matter, the deciding factor is usually not price - it is what happens on death, incapacity or platform failure.
Multisig vs Single-Signature Bitcoin Custody
A single hardware wallet is simple and, for small balances, entirely reasonable. Multisig costs more effort and buys something specific: no single lost, stolen or damaged key results in loss of funds - and a workable inheritance path.
Will vs Digital Asset Directive
This is not really a choice - it is a division of labour. Your solicitor's will decides who inherits. A digital asset directive decides whether the Bitcoin can be reached at all. Estates fail when the second document does not exist.
Definitions for the terms used here are in the glossary.
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