Digital Estate Planning: The Professional's Guide

Our digital footprints have grown exponentially over the past two decades. What began with a few email accounts and online banking logins has expanded into a vast ecosystem of interconnected services that touch every aspect of modern life. Today, the average person maintains over 100 online accounts—from social media and email to streaming services, cloud storage, financial platforms, healthcare portals, and subscription services.

The scope of this digital life is staggering. Consider a typical individual's digital footprint:

• Financial accounts: Online banking, investment platforms, retirement accounts, payment apps (Venmo, PayPal, Zelle), cryptocurrency exchanges, buy-now-pay-later services, and loyalty reward programs with monetary value.
• Digital subscriptions: The average American household spends $847/month on recurring subscriptions including streaming (Netflix, Spotify), software (Adobe, Microsoft), news, fitness apps, meal kits, and cloud storage.
• Digital memories: Photos and videos stored across iCloud, Google Photos, Amazon Photos, Dropbox, and social media platforms. The average person has over 2,000 photos stored in the cloud.
• Communication accounts: Email accounts (often 3+), messaging apps, social media profiles—each containing years of correspondence, contacts, and personal history.
• Professional assets: LinkedIn profiles, freelance platform accounts, domain names, websites, intellectual property, and business-related digital tools.

When someone dies, their family typically has no comprehensive record of these accounts. They may know about a few major bank accounts and perhaps a social media profile, but the vast majority of the digital footprint remains hidden—and each account has its own policies, processes, and timelines for posthumous access.

The most fundamental challenge families face after a death is simply discovering what accounts and assets exist. Unlike physical assets that can be found by searching a home or filing cabinet, digital accounts leave no visible trace unless someone knows where to look.

"The number one challenge reported by executors is not accessing accounts—it's discovering which accounts exist in the first place. You can't manage what you don't know about."

— National Association of Estate Planners, 2024 Survey

1. 1No central registry: There is no master list of a person's digital accounts. Unlike financial assets reported to the IRS or recorded in bank statements, most digital accounts exist only in the account holder's memory and browser history.
2. 2Password managers are incomplete: Even when someone uses a password manager, it typically captures only a fraction of their total accounts. Auto-saved browser passwords, work accounts, and rarely-used services often slip through.
3. 3Digital-only statements: Most services have moved to paperless communications. Without access to the primary email account, families have no way to identify which services were being used.
4. 4Auto-pay obscures activity: Subscriptions charged automatically to credit cards continue billing after death. Families may not discover these for months, wasting thousands of dollars.
5. 5Platform-specific policies: Each company has different posthumous access policies. Some require death certificates, some require court orders, some have no process at all, and many simply delete accounts after inactivity.

The discovery problem compounds with time. Accounts that go unmanaged may be deleted, data may be purged, subscriptions continue billing, and digital assets may lose value or become permanently inaccessible. The average family discovers only 30-40% of a deceased person's digital accounts, leaving the majority of the digital estate unresolved.

The financial and emotional costs of inadequate digital estate planning are substantial and growing:

• Lost financial assets: Unclaimed bank accounts, forgotten investment portfolios, unredeemed loyalty points, and cryptocurrency holdings. An estimated $35 billion in digital assets goes unclaimed each year in the United States alone.
• Continued subscription charges: The average estate continues paying $200-400/month in unwanted subscriptions for 6-12 months before discovery, totaling $1,200-$4,800 per estate.
• Lost memories: Family photos, videos, and correspondence stored solely in cloud accounts that are deleted due to inactivity or inability to access them. These losses are irreplaceable.
• Identity theft risk: Unmonitored accounts become targets for identity thieves. Deceased individuals are 50% more likely to be victims of identity fraud than living people.
• Professional liability: Estate attorneys and executors face increasing liability for failing to account for digital assets in estate administration, creating malpractice exposure.

Beyond the financial impact, the emotional toll on families is significant. Grieving family members must navigate complex, time-consuming processes to access accounts while simultaneously dealing with loss. Many simply give up, accepting that portions of their loved one's digital life will remain forever inaccessible.

The foundation of any digital estate plan is a comprehensive inventory of accounts and their credentials. This category encompasses every service, platform, and application that requires a login:

• Email accounts: Often the master key to all other accounts through password reset flows. Gmail, Outlook, Yahoo, and professional email accounts must be secured and accessible.
• Social media: Facebook, Instagram, Twitter/X, LinkedIn, TikTok, and others. These contain years of personal history and may have memorial or legacy contact features that need configuration.
• Shopping and marketplace: Amazon, eBay, Etsy, and other platforms may have stored payment methods, pending orders, seller balances, or gift card balances.
• Professional tools: Work-related accounts, CRM systems, project management tools, and professional licenses that may need to be transferred or deactivated.
• Two-factor authentication: Authenticator apps, SMS-based 2FA, and hardware security keys that gate access to other accounts must be documented and accessible.

AfterCrypt provides structured templates for cataloging every account type, with smart suggestions based on common services and AI-powered email scanning that identifies accounts the user may have forgotten.

Critical documents increasingly exist only in digital form. Estate plans must account for the location and accessibility of:

• Legal documents: Wills, trusts, powers of attorney, advance healthcare directives, and insurance policies stored in cloud drives, email attachments, or platform-specific vaults.
• Tax records: Digital copies of tax returns, W-2s, 1099s, and supporting documentation stored in TurboTax, H&R Block, or accountant portals.
• Property records: Digital deeds, titles, mortgage documents, and property management platform logins.
• Medical records: Patient portal access, health insurance accounts, prescription histories, and telehealth platform logins.
• Business documents: Articles of incorporation, operating agreements, contracts, intellectual property filings, and business license renewals.

72% of important documents are now stored exclusively in digital formats, making their discovery and access a critical component of estate administration. AfterCrypt provides secure document storage alongside references to where documents are stored across other platforms.

Financial accounts represent the highest-value category in most digital estates and require the most careful planning:

• Bank accounts: Online-only banks (Ally, Marcus, Chime) may have no physical branch. Traditional banks with online access require digital credentials for immediate account management.
• Investment platforms: Brokerage accounts (Fidelity, Schwab, Robinhood), robo-advisors (Betterment, Wealthfront), and retirement accounts (IRAs, 401k rollovers) with online-only access.
• Payment platforms: PayPal, Venmo, Cash App, Zelle, and Apple Pay balances that may hold significant funds or have linked accounts.
• Cryptocurrency: Exchange accounts (Coinbase, Kraken), self-custody wallets, and hardware wallets holding digital currencies that require specialized access procedures.
• Loyalty and rewards: Airline miles, hotel points, credit card rewards, and cashback balances that have real monetary value but expire without action.

Financial accounts require special handling because of regulatory requirements, beneficiary designations, and time-sensitive access needs. AfterCrypt integrates with financial planning workflows to ensure these high-value assets are properly documented and assigned.

For many families, digital memories are the most emotionally valuable—and the most at risk of permanent loss:

• Photos and videos: Stored across iCloud, Google Photos, Amazon Photos, Flickr, and social media platforms. The average person has over 2,000 cloud-stored photos, with many existing nowhere else.
• Social media history: Years of posts, comments, and interactions that form a digital legacy. Platforms have varying policies on posthumous access and memorialization.
• Communications: Email archives, text message histories, voicemails, and chat logs that may have sentimental or legal significance.
• Creative works: Blog posts, music, art, writing, and other creative content stored on personal sites, creative platforms, or cloud storage.
• Gaming and virtual assets: Game accounts, virtual items, and digital collectibles that may have both sentimental and monetary value.

Most cloud storage services delete accounts after 12-24 months of inactivity. Without proactive planning, irreplaceable family memories can be permanently lost before anyone even realizes they existed. AfterCrypt's inventory system ensures every memory repository is documented with clear access instructions for beneficiaries.

The subscription economy has transformed how we access services, creating ongoing financial obligations that persist after death:

• Streaming services: Netflix, Hulu, Disney+, Spotify, Apple Music, YouTube Premium—the average household subscribes to 4.7 streaming services totaling $61/month.
• Software subscriptions: Adobe Creative Cloud, Microsoft 365, Dropbox, cloud hosting, domain registrations, and SaaS tools that may support ongoing business operations.
• Utility and service accounts: Smart home devices, security systems, ISP accounts, and cell phone plans that need to be transferred or cancelled.
• Health and wellness: Gym memberships, meditation apps, telehealth subscriptions, and prescription delivery services with auto-renewal.
• News and education: Digital newspaper subscriptions, online learning platforms, professional membership dues, and continuing education services.

AfterCrypt's subscription tracking identifies all recurring charges and creates actionable checklists for beneficiaries, ensuring unwanted services are cancelled promptly and valuable accounts are preserved or transferred.

AfterCrypt is a comprehensive digital estate planning platform designed to solve the complete digital life problem—not just passwords, not just documents, butevery category of digital existence. The platform serves both individuals planning their own estates and professionals (attorneys, wealth managers, financial advisors) serving clients.

"Estate planning shouldn't end at the safe deposit box. Your digital life is just as important as your physical assets—and far more likely to be lost without proper planning."

— AfterCrypt Design Principle

The platform is built on four pillars: guided inventory workflows that ensure comprehensive coverage, AI-powered discovery that finds accounts users have forgotten, organized categories that make complex digital lives manageable, and secure access conditions that give beneficiaries the right information at the right time.

The most critical challenge in digital estate planning is completeness. Most people vastly underestimate the scope of their digital footprint. AfterCrypt's guided inventory workflows address this through a systematic, category-by-category approach:

1. 1Category-based discovery: Users are guided through each digital life category (financial, social, communication, entertainment, professional) with smart prompts and suggestions based on common services.
2. 2Email-powered scanning: With user permission, AfterCrypt's AI analyzes email headers to identify services the user has accounts with, surfacing forgotten subscriptions and dormant accounts.
3. 3Browser integration: Optional browser extension captures saved passwords and bookmarks to identify additional accounts not yet cataloged.
4. 4Progressive completeness: A completeness score tracks coverage across categories, highlighting gaps and suggesting additional accounts to document.
5. 5Regular review prompts: Periodic reminders prompt users to review and update their inventory as new accounts are created or old ones are closed.

The guided workflow approach transforms an overwhelming task into manageable steps. Most users complete their initial inventory in under 60 minutes, with AI-assisted discovery typically uncovering 20-30% more accounts than users initially recalled.

AfterCrypt's AI-powered discovery engine addresses the fundamental challenge that people forget many of the accounts they've created over the years:

• Email analysis: Scans email headers (not content) for account creation confirmations, password reset requests, and subscription receipts to build a comprehensive account map.
• Financial statement parsing: Identifies recurring charges on connected bank and credit card statements, surfacing subscriptions and services the user may have forgotten.
• Smart suggestions: Based on demographic data and common usage patterns, the AI suggests likely accounts: "87% of people your age have a LinkedIn account—do you?"
• Continuous monitoring: Ongoing analysis detects new accounts and subscriptions as they are created, prompting users to add them to their estate plan.

All AI processing is performed with strict privacy controls. Email analysis examines only metadata and headers, never message content. Financial data is processed using encrypted pipelines with zero-access architecture, meaning AfterCrypt staff cannot view user data at any point in the process.

AfterCrypt enables granular beneficiary assignment that goes far beyond what traditional estate planning offers for digital assets:

1. 1Per-account assignment: Each account or asset can be assigned to specific beneficiaries. Financial accounts to the spouse, photo libraries to all children, professional accounts to a business partner.
2. 2Role-based access: Beneficiaries can receive different levels of information—full credentials, read-only access, or notification-only depending on the account type and relationship.
3. 3Conditional release: Information can be released immediately upon a qualifying event, after a waiting period, or upon reaching specific milestones (age requirements, etc.).
4. 4Executor tools: Designated executors receive a comprehensive action checklist with prioritized steps for managing the digital estate.
5. 5Backup beneficiaries: Contingent beneficiaries ensure access is maintained even if primary beneficiaries are unavailable.

The beneficiary system integrates with AfterCrypt's secure access conditions to ensure that information is released only when appropriate and to the right people.

AfterCrypt provides configurable access conditions that balance security during the account holder's lifetime with accessibility when beneficiaries need it:

• Inactivity detection: Configurable monitoring that detects when the account holder has been inactive for a user-defined period, triggering escalation procedures.
• Trusted contact verification: Designated trusted contacts can verify the account holder's status, providing a human verification layer alongside automated systems.
• Multi-step release: Information release follows a graduated process: notification, waiting period, verification, and then access—preventing premature disclosure.
• Death certificate integration: For formal estate administration, AfterCrypt accepts uploaded death certificates as verification triggers.
• Emergency access: Pre-configured emergency access procedures for situations requiring immediate action (medical emergencies, business continuity).

The access condition system is designed to prevent both premature disclosure (protecting the account holder during their lifetime) and permanent lockout (ensuring beneficiaries can access what they need when the time comes).

AfterCrypt's security architecture is built on the principle that sensitive data must be protected at every stage—at rest, in transit, and during processing. End-to-end encryption ensures that account credentials, documents, and personal information are never exposed in plaintext outside of authorized user sessions.

• AES-256 encryption at rest: All stored data is encrypted using AES-256, the same standard used by financial institutions and government agencies for classified information.
• TLS 1.3 in transit: All communications between client devices and AfterCrypt servers use TLS 1.3 with perfect forward secrecy, preventing interception and replay attacks.
• Client-side encryption: Sensitive credentials are encrypted on the user's device before transmission. The encryption key is derived from the user's master password, which is never sent to or stored on AfterCrypt servers.
• Encrypted backups: All backup systems maintain the same encryption standards as primary storage, with geographic distribution for disaster recovery.

The encryption architecture means that even in the event of a server breach, user data remains encrypted and inaccessible without the individual encryption keys that only users control.

AfterCrypt operates on a zero-access architecture—the platform is designed so that AfterCrypt employees, administrators, and even infrastructure operators cannot access user data:

1. 1Zero-knowledge encryption: User data is encrypted with keys derived from the user's master password. Since the master password is never transmitted or stored, AfterCrypt has no ability to decrypt user data.
2. 2Segregated access controls: Infrastructure is designed so that no single employee or system has access to both encrypted data and encryption keys.
3. 3Audit logging: All system access is logged with immutable audit trails. Any administrative access to infrastructure is recorded, reviewed, and available for compliance audits.
4. 4Independent verification: Third-party security auditors regularly verify that zero-access claims hold true through penetration testing and architecture review.

The zero-access design means that AfterCrypt cannot be compelled to disclose user data even under legal order, because the technical architecture makes it impossible to access encrypted data without the user's master password.

AfterCrypt requires multi-factor authentication for all accounts and supports the strongest authentication methods available:

• FIDO2/WebAuthn support: Hardware security keys (YubiKey, etc.) and platform authenticators (Touch ID, Face ID, Windows Hello) provide the strongest available protection against phishing.
• TOTP authenticator apps: Support for Google Authenticator, Authy, and other standards-based authenticator applications.
• Biometric authentication: Fingerprint and facial recognition for mobile applications, providing convenience without compromising security.
• Backup recovery codes: Generated during setup and securely stored offline, ensuring account recovery if primary authentication methods are lost.
• Session management: Automatic session expiration, device tracking, and suspicious activity detection with real-time notifications.

Authentication security is particularly critical for a digital estate platform becausecompromise of an AfterCrypt account could expose the user's entire digital life. The multi-layered approach ensures that even if one factor is compromised, accounts remain protected.

AfterCrypt maintains the following security certifications and compliance standards:

1. 1SOC 2 Type II certification: Annual audit by independent firms verifying security, availability, processing integrity, confidentiality, and privacy controls.
2. 2GDPR compliance: Full compliance with the General Data Protection Regulation, including data minimization, purpose limitation, and right to deletion.
3. 3CCPA compliance: Compliance with the California Consumer Privacy Act and its amendments, including data disclosure and deletion rights.
4. 4HIPAA readiness: Architecture designed to support HIPAA requirements for users who store health-related information.
5. 5Regular penetration testing: Quarterly penetration testing by independent security firms, with continuous bug bounty program for responsible disclosure.

Security audit reports are available to enterprise customers and professional partners. AfterCrypt's cumulative investment in security infrastructure exceeds $2 million annually, reflecting the critical nature of the data entrusted to the platform.

Estate attorneys face a growing challenge: clients increasingly hold significant digital assets that traditional estate planning instruments fail to adequately address. AfterCrypt provides attorneys with purpose-built tools to serve this need:

• Client onboarding workflows: Branded questionnaires and guided inventory processes that attorneys can send to clients before or during estate planning engagements.
• Comprehensive asset reports: Detailed summaries of each client's digital footprint, organized by category, with beneficiary assignments and access instructions.
• Template integration: Digital asset schedules that integrate with standard estate planning documents, ensuring wills and trusts properly reference digital assets.
• Fiduciary access planning: Tools to ensure executors and trustees have the technical information needed to fulfill their digital asset responsibilities.
• Continuing education: CLE-eligible training materials on digital estate planning best practices and emerging regulatory requirements.

With over 150,000 estate attorneys in the United States, the professional channel represents a significant market opportunity. Attorneys who offer comprehensive digital estate planning can differentiate their practice and provide more complete service to clients.

Wealth managers and financial advisors are increasingly asked about digital asset planning by their clients. AfterCrypt's professional platform enables them to provide comprehensive guidance:

• Multi-client dashboard: Aggregated view of client digital estate plans, completeness scores, and action items across the entire practice.
• Financial account integration: Deep integration with financial planning workflows, ensuring digital accounts are included in comprehensive wealth management.
• White-label capability: Customizable client interfaces that maintain advisor branding while leveraging AfterCrypt infrastructure.
• Compliance reporting: Automated reporting for regulatory compliance, including documentation of digital asset discussions during advisory engagements.
• Fee management: Flexible billing options including per-client licensing, AUM-based pricing, or bundled practice packages.

The wealth management channel is particularly valuable because advisors haveestablished trust relationships with high-net-worth clientswho are most likely to have complex digital estates requiring professional management.

AfterCrypt integrates with the tools professionals already use:

• CRM integration: Connections to Salesforce, HubSpot, Clio, and other practice management platforms for seamless client data synchronization.
• Document management: Integration with iManage, NetDocuments, and other legal document management systems for storing digital asset schedules alongside traditional estate documents.
• Financial planning tools: API connections to eMoney, MoneyGuidePro, and other financial planning platforms for holistic wealth views.
• Secure client portal: White-labeled portal that clients can access to manage their own digital estate plan between advisory meetings.
• Automated workflows: Trigger-based workflows that notify advisors when clients need to update their plans due to detected changes in their digital footprint.

Practice management integration reduces the administrative burden of digital estate planning, making it economically viable for professionals to offer comprehensive digital planning as a standard part of their service.

The market opportunity for digital estate planning sits at the intersection of several massive industries: the $8 billion annual estate planning services market in the United States, the growing $275 billion subscription economy, and the rapidly expanding digital financial services sector.

The total addressable market for digital estate planning services is projected to exceed $12 billion by 2030, driven by the accelerating digitization of financial services, the growth of the subscription economy, and increasing regulatory attention to digital asset inheritance.

Critically, no comprehensive solution currently exists. Existing tools address fragments of the problem—password managers handle credentials, document vaults store files, financial advisors track investments—but none provide the holistic, end-to-end digital estate planning that individuals and professionals need.

Several macro trends are accelerating the need for digital estate planning:

• Digital-first finance: The shift to online-only banks, digital investment platforms, and cryptocurrency means more financial assets exist exclusively in digital form, with no physical records.
• Subscription explosion: The average American household now spends over $200/month on subscriptions, creating complex recurring financial obligations that persist after death.
• Aging digital natives: The first generation to grow up with internet accounts is now entering their 40s and 50s—the prime years for estate planning. Their digital footprints are vast.
• Regulatory momentum: States are increasingly passing legislation requiring fiduciaries to address digital assets, creating legal obligations that drive professional adoption.
• Remote work proliferation: Remote work has accelerated the digitization of professional life, adding work-related digital assets to the estate planning burden.

AfterCrypt targets three primary demographics:

• Individuals (ages 35-65): Tech-savvy professionals with complex digital lives, significant online financial assets, and growing awareness of digital estate planning needs. Primary entry point is self-service platform.
• Estate planning professionals: Attorneys, wealth managers, and financial advisors seeking tools to serve clients' digital estate needs. Primary entry point is professional platform and API.
• Enterprise clients: Companies needing business continuity planning for key personnel, including access to critical accounts and systems if employees become unavailable. Primary entry point is enterprise API.

The professional channel is particularly strategic because each attorney or advisor represents access to hundreds of clients, creating efficient distribution and strong network effects as professionals recommend the platform to colleagues.

Each existing solution category addresses only a fragment of the digital estate planning problem:

• Password managers (1Password, LastPass, Dashlane): Excellent at storing credentials but provide no estate planning features, no beneficiary assignment, no document storage, and no professional tools. They solve the "password problem" but not the "estate problem."
• Document vaults (Everplans, Trustworthy): Focus on document storage and sharing but lack comprehensive account inventory, subscription tracking, AI discovery, and deep professional integration.
• Traditional estate planning: Attorneys draft excellent legal documents but have no tools for digital asset inventory, no way to ensure completeness, and no technical infrastructure for secure credential sharing.
• Financial platforms: Wealth management tools track financial assets but ignore non-financial digital assets (photos, social media, subscriptions) that comprise the majority of the digital estate.

The fundamental gap is integration. None of these solutions provide a single platform that covers passwords, documents, financial accounts, subscriptions, digital memories, and professional tools—all with proper security, beneficiary management, and access controls. AfterCrypt fills this gap.

AfterCrypt's competitive advantages stem from being purpose-built for the complete digital estate planning problem:

1. 1Comprehensive coverage: The only platform that addresses all five categories of digital life (passwords, documents, financial, memories, subscriptions) in a single integrated system.
2. 2AI-powered discovery: Proprietary AI that analyzes email metadata and financial statements to identify accounts users have forgotten, solving the critical completeness problem.
3. 3Professional-grade tools: Purpose-built multi-client management, white-label capability, and practice management integration that enables professional adoption at scale.
4. 4Security-first architecture: Zero-access encryption, SOC 2 certification, and multi-factor authentication provide the security rigor required for sensitive estate data.
5. 5Granular beneficiary controls: Per-account assignment with configurable access conditions, role-based permissions, and multi-step release protocols that no competitor offers.

AfterCrypt's infrastructure is built on modern cloud architecture designed forsecurity, reliability, and performance:

• Cloud-native design: Microservices architecture deployed across major cloud providers with automated scaling, self-healing capabilities, and infrastructure-as-code deployment.
• Data isolation: Each client's data is logically isolated with independent encryption keys, ensuring that a breach of one account cannot affect others.
• 99.99% uptime SLA: Architecture designed for extreme availability with automated failover, health monitoring, and redundant components at every layer.
• Global CDN: Content delivery network ensures fast access from anywhere in the world, with edge caching for static assets and intelligent routing for API requests.

The architecture is designed for extreme longevity. Estate plans may need to remain accessible for decades. Infrastructure decisions prioritize durability, data portability, and independence from any single vendor or technology.

AfterCrypt is built API-first, enabling deep integration with the broader estate planning and wealth management ecosystem:

• RESTful API: Comprehensive REST API with OpenAPI specification, enabling third-party integrations, custom workflows, and white-label implementations.
• Webhook notifications: Real-time event notifications for plan updates, completeness changes, and access condition triggers.
• SDK libraries: Client libraries for JavaScript, Python, and Ruby that simplify integration for development teams.
• Sandbox environment: Full-featured sandbox for development and testing, allowing partners to build integrations without touching production data.

The API-first approach ensures that AfterCrypt can serve as the digital estate planning layer within existing professional workflows, rather than requiring professionals to adopt an entirely new system.

AfterCrypt maintains integrations with key platforms across the estate planning and financial services ecosystem:

• Financial data aggregation: Plaid and Yodlee integrations for automated financial account discovery and balance tracking.
• Legal practice management: Clio, PracticePanther, and MyCase integrations for seamless attorney workflow.
• Financial planning: eMoney, MoneyGuidePro, and RightCapital integrations for wealth management workflows.
• CRM systems: Salesforce, HubSpot, and Wealthbox integrations for client relationship management.
• Document management: iManage, NetDocuments, and Google Workspace integrations for document synchronization.
• Identity verification: Partnership with identity verification providers for beneficiary authentication.

The integration ecosystem is continuously expanding. AfterCrypt's open API and partner program enable any platform to build integrations, creating network effects that strengthen the platform's value proposition over time.

Given the critical nature of estate planning data, AfterCrypt implements comprehensive redundancy across multiple geographic regions:

• Active-active deployment: Primary infrastructure operates simultaneously in multiple cloud regions, providing zero-downtime failover and disaster recovery.
• Encrypted backups: Automated encrypted backups stored in geographically distributed locations with point-in-time recovery capability.
• Data sovereignty options: For international clients and professionals, data residency options ensure compliance with local data protection regulations.
• Disaster recovery: Regular disaster recovery testing with documented recovery time objectives (RTO) under 4 hours and recovery point objectives (RPO) under 1 hour.
• Escrow provisions: Data escrow arrangements ensure that user data remains accessible even in the unlikely event of AfterCrypt ceasing operations.

Multi-region redundancy is not just a technical feature—it is a fundamental promise to users that their estate planning data will be available when it is needed most, regardless of circumstances.