Digital Assets After Death: Who Accesses Your UPI, Crypto, Wallets?
Personal Finance
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News18•10-01-2026, 13:00
Digital Assets After Death: Who Accesses Your UPI, Crypto, Wallets?
- •Most earnings and investments are now digital (UPI, wallets, crypto, mutual funds, demat accounts).
- •Accessing digital assets after sudden death is harder than traditional bank accounts or property.
- •UPI apps linked to mobile numbers and phones become inaccessible without passwords/OTPs, even with bank nominees.
- •Digital wallets often lack nomination facilities, requiring lengthy processes for withdrawal.
- •Crypto is the most complex; exchanges lack clear inheritance rules, and lost private keys mean irreversible loss.
Why It Matters: Plan for digital asset inheritance during your lifetime to prevent family from losing funds after your death.
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