LifeWyn is a digital legacy platform. It keeps your accounts, documents, passwords and instructions in a vault that is encrypted on your own device, and hands each part to the person you named, only after your rules are met. LifeWyn never holds your money and cannot read what you store.
The loan recovery desk already has your family's number. Your bank, your broker, your insurer — they wait to be found. LifeWyn keeps the other half of the ledger: encrypted, and handed to the people you name, only when the rules you set are met.
Encrypted on your device before it reaches us. We hold the map, never the money.
What LifeWyn does
LifeWyn sits between a password manager and a will, and does the job neither was built for. A password manager keeps secrets but was never designed to pass them on. A will decides who inherits, but it cannot tell your family that the account exists. LifeWyn holds the record itself, encrypted, with instructions attached and a release that has to be earned.
Your files are scrambled on your own device. What reaches our servers is noise we can't read — by design, not by promise.
The key that opens your vault is built from your passphrase and split into pieces. No master switch, no support-desk override, no back door.
Every item carries its own instructions — who it's for, when it opens, what proof is needed. The 'what to do' never gets separated from the 'what it is'.
Your spouse, your kids, your executor, your lawyer — each opens a different room, with guidance written for them. No group password thrown over the wall.
The part no one plans for
They know there was a term policy — not with whom. A fixed deposit “somewhere.” A locker key with no branch. A folio number buried in an inbox they can’t reach. Grief is hard enough; without a map, we make families do it as detectives too — calling institutions that ask for documents they didn’t know existed, for accounts they were never told about. Here is everything a single, ordinary life quietly touches:
Nobody means to leave it this way. We just think we have more time.
A Real Example
One ordinary life isn't unusual — two salaries, a home loan, a few mutual funds, a term policy, a crypto wallet set up years ago. The hard part was never any single account. It was that the whole picture lived in one person's head. So one evening they mapped it, and decided who should see which part of it, and when.
Today, none of them can see any of it.
Right now, one person is still the only one holding the whole map. Nothing is shared the moment it's added — access only ever opens later, the way it was decided, and only for the person it was meant for.
His wife
Bank and investment accounts, insurance policies, property papers, and the everyday household instructions she will need.
His brother
The technical, private things — business details and how to recover the crypto wallet.
His executor
Only the formal side: legal documents, tax records, and estate instructions.
His daughter
Not the money — the personal letters, the family memories, and a message meant only for her.
If he's hospitalized — Only the emergency details he chose can surface. Nothing else opens.
If he goes quiet — Check-ins, reminders, and a trusted contact all have to agree before anything escalates.
If his passing is verified — His legacy instructions move through verification first — then reach each person, one room at a time.
Everyone gets what they need. No one is handed everything.
How It Works
Set it up once. After that LifeWyn waits in the background and only steps forward when your own rules say it should.
Add your accounts, documents, passwords, property, and the things only you know — the branch that handles your policy, where the locker key really is. Anything sensitive is encrypted on your device before it uploads.
What goes in
Bank and investment accounts, insurance, property papers, crypto notes, IDs, subscriptions, and the messages you want to leave behind.
Your family gets a map, not a mystery.
Give each item a recipient — and a backup. They're told they've been named, but they see nothing yet. You decide exactly what opens, for whom, and on what proof.
You control
Per-item recipients, backup contacts, release timing, and the evidence each handover requires.
No blanket access. No panic-sharing a password at 2am.
A tap on your phone — or a quiet scheduled check-in — keeps everything sealed. Miss a few and LifeWyn nudges you first, then asks your trusted contacts, long before it considers opening anything.
Signals
App activity, scheduled check-ins, trusted-contact confirmations, grace periods, and one-tap cancellation whenever you want it.
Silence alone is never treated as proof.
Documents are submitted and screened, and the person claiming access proves separately that they are who you named. This stage runs across days 5 to 14 and cannot be skipped.
What is checked
Certificates screened for consistency, digital signatures verified, a government ID and liveness check on the claimant, and a fraud score across every signal.
A claim on its own is never evidence.
Even after everything is verified, any time lock you set has to elapse — and a cancellation check runs throughout it. You can stop the whole thing from your phone, without explaining why.
Still reversible
Per-item, per-recipient time locks, a running cancellation check, and your own one-tap stop at any point before release.
Slow on purpose. A wrong release cannot be undone.
When the certificate, the identity checks, and the waiting periods all line up, the right keys and instructions reach the right people — and nothing more than that.
The release gate
Verified documents, trusted-contact sign-off, fraud review, your own rules, and recipient identity checks.
The right people get the right guidance, at the moment they need it.
Who sees what
Your spouse doesn't need your business files. Your lawyer doesn't need your love letters. Give each person their own room, their own trigger, their own proof, and their own message — everyone gets exactly their part, and nothing more.
Primary family contact
Access scope
Family-level view after verified release
Release condition
Verified death, incapacity, or emergency rules you define
Named recipient
Access scope
Selected assets, memories, and family instructions
Release condition
Role-specific release window with optional fallback review
Care continuity lead
Access scope
Minor-care records and practical household guidance
Release condition
Emergency or incapacity path with identity validation
Estate administration
Access scope
Legal, tax, liability, and property documentation
Release condition
Verified death evidence plus any waiting period you set
Professional support
Access scope
Only the records needed for their professional duty
Release condition
Owner approval, executor invitation, or verified event
Independent signal
Access scope
Verification context without private vault disclosure
Release condition
Escalation only after missed check-ins and reminders
How it compares
Most people already have one of these three, and assume it covers them. Here is where each one stops.
| Capability | Shared note or spreadsheet | Password manager | A will alone | LifeWyn |
|---|---|---|---|---|
| Stays private while you are alive | No | Yes | Yes | Yes |
| The provider can read it | Anyone who finds it | No | Your lawyer can | No |
| Tells your family the account exists | Sometimes | No | Rarely | Yes |
| Release needs real evidence | No | Varies by tool | Through probate | Documents and identity checks |
| Each person sees only their part | No | No | No | Yes |
| Covers incapacity, not only death | No | No | Only with a separate power of attorney | Yes |
| You can stop it mid-way | Nothing to stop | Sometimes | Not easily | Any time before release |
Protection Readiness
The two-minute readiness check turns a vague worry into a plain list: what's done, what's half-finished, and what you've been meaning to sort out. No signup to find out.
Turn uncertainty into a prioritized action plan.
Assets and liabilities
Accounts, investments, loans, property, and obligations mapped together.
Nominee scope
Recipients assigned, with a few fallback roles still worth completing.
Critical documents
IDs, insurance, estate files, and medical instructions grouped by purpose.
Legacy instructions
Personal wishes, final messages, and family guidance still need review.
Emergency access
Emergency-only information separated from inheritance-only releases.
Life signal
Check-in cadence and trusted-contact escalation path are configured.
Sound familiar?
Your vault is encrypted on your device before it ever reaches us. The key is split into pieces held in separate places, so no single party — us included — can put it back together. We store noise, and release only encrypted shares. Never plaintext.
Wherever you are
LifeWyn is built in India and works anywhere. The vault does not care which country an account sits in. What changes country to country is the word your paperwork uses for the person receiving it, and LifeWyn is designed around that.
LifeWyn handles the things Indian families actually lose track of. Provident fund and pension accounts, PPF, fixed deposits that keep auto-renewing, ULIPs and term plans, demat folios, property papers, locker details, and the nominee entries you filled in years ago and never revisited. LifeWyn stores who the nominee is for each item, alongside the documents that prove it.
The same vault holds a 401(k) or IRA in the United States, a workplace pension and ISA in the United Kingdom, superannuation in Australia, or a CPF account in Singapore. Where your paperwork says beneficiary, executor or trustee, LifeWyn stores that designation with the record it belongs to.
Cross-border families carry the worst version of this problem. Property in one country, retirement savings in another, and heirs in a third, each governed by different rules. LifeWyn keeps all of it in one place, with the right local designation attached to each item, so nobody has to reconstruct a life across three time zones.
A note on words.
LifeWyn uses “recipient” throughout, because the legal term changes by country. In India and much of South Asia the paperwork says nominee. In the United States, the United Kingdom and Australia it usually says beneficiary. A recipient in LifeWyn is simply the person who receives a record when your rules are met, and that is not the same as legally inheriting anything.
If you live outside India, start hereThe evidence
We built LifeWyn around the failures researchers keep documenting — plans never made, accounts no one could reach, digital lives that vanished with a forgotten password. Here's what the numbers say, with sources you can check yourself.
In India only about one adult in seven has a will: 84.8% have none, and 62.5% have no plans to make one. The hard part was never the paperwork; it is starting. So we made the first step take an evening, not a lawyer's appointment.
Source: 1 Finance Magazine survey, via Business Standard · June 2026Even among Indians expecting an inheritance, 79.8% have not written their own will. And a will only ever names who inherits, never what exists or how to reach it. That missing map is the layer LifeWyn adds.
Source: 1 Finance Magazine survey, via Business Today · June 2026Nearly half of Indian households have never discussed wills or estate planning at all, and only 21.8% have had a detailed conversation. The study also found families usually start planning after a dispute, not before one.
Source: 1 Finance Magazine survey, via Business Today · June 2026As of 30 June 2026, ₹86,917 crore of unclaimed bank deposits sat with the Reserve Bank's Depositor Education and Awareness Fund — money that was real, in accounts nobody left behind could find. State Bank of India alone accounts for ₹20,040 crore of it.
Source: Ministry of Finance reply in Parliament, via Business Standard · August 2026Life insurers held ₹20,062 crore in unclaimed amounts at the end of FY24, down from ₹22,237 crore after a special recovery drive. Maturity payouts and death claims that were owed to somebody, and never reached them.
Source: IRDAI annual report FY24, via Business Standard · December 2024These figures are directional, not census data — they come from a single 2026 survey plus industry estimates.
Built on zero-knowledge encryption
Your data is encrypted on your device with keys only you hold — the design, not a promise, is what protects your legacy.
The company behind your vault
You’re handing us the map to everything you’ve built. You deserve to know exactly who is on the other side, where we’re registered, and how to reach a human.
LifeWyn Global Private Limited
Near Flipkart Building, Embassy Tech Village, Outer Ring Road, Kadubeesanahalli, Bengaluru, Karnataka 560103
Founded by Vinod Dhakad and Kishor Dhakad
Our security is built to be verified, not just trusted: your vault is encrypted on your own device, your key is split so no single party can rebuild it, and our encryption format is published so anyone can check how it works. Independent third-party audit and certification details will be listed here as each one completes — named, dated, and with the report linked.
Data stored in Oracle Cloud Infrastructure (OCI), Mumbai (ap-mumbai-1).
A support line you can actually call is on the way — for now, we answer every email personally.
Before you trust us with this
No. Your vault is encrypted on your own device and reaches us as ciphertext. The key is built from your passphrase and split into pieces held separately, so no single party — including us — can rebuild it.
Never silence alone. A missed check-in starts reminders to you, then to your trusted contacts. A release also needs verified documents, an identity check on the recipient, and any waiting period you set. You can stop it at any point before the final state.
No, and it isn't a legal document. A will decides who legally inherits; a digital vault makes sure those people can find and claim what they have inherited. In India a nominee is a custodian, not the owner — the will still decides ownership. Most families need both, and they do different jobs.
A nominee receives the money and holds it. A legal heir owns it. In India the two are often different people, which is why a bank releases funds to a nominee while a court still decides ownership. LifeWyn records both, so your family is not left guessing.
No. Each person you named opens a guided room with only the records meant for them, and plain instructions for what to do first. No technical knowledge required, on the hardest day.
Never. Your bank still holds your savings and your broker still holds your investments. LifeWyn holds the map to all of it — never the money itself.
Yes. LifeWyn works with accounts in any country and stores the local designation, whether your paperwork says nominee, beneficiary, executor or trustee.
A password manager keeps your secrets safe while you are using them. It was never built to pass them on, explain what they are for, or check whether a handover is genuine. LifeWyn does those three things and keeps the encryption just as strict.
You can export everything, any day. Your vault export is a documented, open format that you decrypt with your own passphrase and recovery shares — it opens without LifeWyn's servers, and without LifeWyn existing at all. Because we never hold a working copy of your key, no wind-down and no new owner can read your data. And if we ever have to close, our commitment is plain: clear advance notice and a full export window before anything is switched off.
LifeWyn cannot reset it. There is no server-side copy of your key — which is exactly why a breach of our servers cannot expose your vault. Recovery runs through the trusted contacts and recovery shares you set up on your first day, which is why setup asks for them before anything else.
More questions? Read the full FAQ.
Start with the ten things only you know. Most people finish in a single evening — and never think about it again, because it’s finally handled.
LifeWyn is not a will or a legal service. A will decides who inherits; LifeWyn makes sure the people you name can find and claim what it leaves behind.
