Your family can't inherit what they can't find.
Heritance is AI-native infrastructure for discovering, verifying, preserving, and recovering financial and digital assets across generations — built for institutions, employers, and consumers to embed directly into their own products.
Why Heritance?
Financial assets are rarely lost because they disappear. They become inaccessible because families lack visibility, documentation, credentials, institutional knowledge, or a coordinated recovery workflow after a major life event.
Heritance provides the infrastructure layer that continuously maintains financial context, so assets stay discoverable, verifiable, and recoverable — long before anyone needs them to be.
Aggregates financial assets across banking, investments, insurance, pension, real estate, digital assets, government records, documents, and password vaults.
Every discovered asset joins a continuously updated relationship graph — owner, nominee, beneficiary, institution, account, legal document, supporting evidence.
Coordinates workflows after major life events — death, incapacity, missing credentials, dormant accounts, lost documentation.
Architecture
Every request moves through an identity layer and authentication gateway, then splits across the AI agent platform and core services before reaching institutions through a single integration gateway.
Service architecture
- Institution connectors
- Document parsing & OCR
- Statement ingestion
- Metadata extraction
- Ownership graph
- Family graph
- Account & nominee graph
- Inheritance graph
- Bank & demat statements
- Insurance & mutual funds
- Tax returns
- Wills, trust deeds, property records
AI Agents
Heritance isn't a single chatbot. It's a set of specialized agents that collaborate under one orchestration layer, each responsible for one part of the discovery-to-recovery lifecycle.
Locates potential financial assets.
- Document understanding & OCR
- Financial entity extraction
- Institution detection
- Missing account inference
- Identity validation
- Cross-document verification
- Beneficiary & nominee consistency
- Confidence scoring
- Missing documentation checks
- Recovery checklist generation
- Institution-specific workflows
- Dependency mapping
- Family readiness score
- Recovery readiness
- Missing documentation alerts
- Nominee gaps & proof-of-life reminders
A long-term AI assistant for families: answers questions about family assets, locates documents, explains ownership structures, and guides beneficiaries through recovery workflows.
Security
Security is foundational, not a layer added at the end. Every AI recommendation is explainable, and no autonomous action ever moves money or signs a legal document.
- AES-256 at rest
- TLS 1.3 in transit
- OAuth 2.1
- Passkeys
- MFA
- Device trust
- Owner · Beneficiary · Executor
- Family member · Advisor
- Institution role
Data isolation
Every family vault is logically isolated — no cross-family data path exists at any layer of the platform.
AI safety
Every AI recommendation ships with a confidence score, supporting evidence, citations, and full audit history. No autonomous asset transfers or legal actions occur without explicit human authorization.
Continuity
The Continuity Engine continuously measures whether a family's financial life can survive an unexpected event — before that event happens.
- Asset discovery & document completeness
- Beneficiary mapping & nominee validation
- Recovery planning & institutional coordination
- Digital asset access & proof-of-life workflows
- Executor guidance
A dynamic readiness score calculated from:
- Asset coverage
- Documentation quality
- Beneficiary completeness
- Credential availability
- Recovery complexity & verification confidence
APIs — planned
Public APIs are currently in development, arriving in Phase 4 as the Developer Platform. Categories below reflect the integration surface, not a stable contract yet.
- List Assets
- Create Asset
- Update Asset
- Verify Asset
- Upload
- OCR
- Classification
- Extraction
- Verification
- Verify Identity
- Proof of Life
- Beneficiary Verification
- Nominee Validation
- Readiness Score
- Recovery Workflow
- Missing Documents
- Family Graph
- Bank Connectors
- Insurance Connectors
- Brokerage Connectors
- Government Records
- Discovery
- Recovery Assistant
- Risk Analysis
- Wealth Graph Query
Employer & Benefits APIs — future phase
Wealth continuity doesn't stop at the household. A large share of a family's discoverable assets — group insurance, provident fund, ESOPs, gratuity, employer-sponsored pension — sit inside an employer's HR and benefits systems. A future phase extends Heritance's API surface to employers directly, so continuity becomes something HR platforms can offer as a benefit, not something a family has to reconstruct after the fact.
- Register Employer Workspace
- Bulk Employee Enrollment
- Beneficiary Onboarding at Hire
- HRIS Connectors (Workday, SAP SuccessFactors, and similar)
- Sync Group Insurance & Pension Records
- ESOP / Gratuity / Provident Fund Mapping
- Offboarding Continuity Trigger
- Employer-Sponsored Readiness Score
Roadmap
Five phases, moving from document intelligence today toward an embedded, autonomous continuity layer that institutions and employers build on.
- AI document intelligence
- Asset discovery
- Family vault
- Wealth graph
- Identity workflows
- Beneficiary validation
- Proof-of-life
- Recovery assistance
- Banking integrations
- Insurance integrations
- Investment platforms
- Government registries
- Public APIs & webhooks
- SDKs
- Partner integrations
- Employer & benefits APIs (HRIS connectors, group benefits continuity)
- Autonomous continuity monitoring
- Multi-agent orchestration
- Predictive recovery planning
- Embedded continuity infrastructure
FAQ
Is Heritance a password manager?
No. Password management is one component of a broader wealth continuity platform focused on discoverability, verification, and recovery.
Does Heritance move money?
No. The platform doesn't custody or transfer funds. It provides infrastructure to locate, verify, and coordinate access to financial assets.
Does AI make legal or financial decisions?
No. AI assists with discovery, verification, and workflow orchestration. All sensitive actions require explicit human approval.
Is the platform blockchain-only?
No. Heritance is asset-agnostic and supports traditional financial assets, digital assets, legal documents, and institutional records. Blockchain integrations are planned where they improve verifiability, provenance, or digital asset continuity.
Will there be developer APIs?
Yes. Public APIs, SDKs, and webhooks are planned so banks, insurers, employers, wealth managers, and ecosystem partners can embed Heritance capabilities directly into their own products.
Can employers offer Heritance as a benefit?
That's the intent of the Phase 4 employer track — HRIS connectors and group benefits APIs let an employer enroll a workforce and sync group insurance, pension, and provident fund records, so continuity coverage extends automatically at hire and at offboarding.