Picture this

Who it is for

Name the people, their shares and a letter for each. Every touch of your phone resets a clock. Go quiet for the period you chose and the money starts moving, over weeks, and one touch brings it all home.

Two ways to own it

What you get

Base$299

$75 deposit to reserve

The full app from Terry's Arc portfolio: live surface, contracts on Arc, about page, handover of code and deployment.

You choose: brand name
You choose: accent color
You choose: domain

Customfrom $2,500

Built around you

Reshape it entirely: new features, your flows, your brand end to end, integrations you need. We scope it with you.

Everything in Base
Custom features and design
Priority build

Why it is new

What exists today, and what this does differently

What is new

Graduated, reversible inheritance rather than a dead man's switch that flips was not found.

Closest things out there

Dead man's switch wallets; Sarcophagus.

Checked with web searches in October 2026. A search is not proof that nothing similar exists, and the market moves fast, so we recheck before every build.

What it unlocks

The human in it

Built for Arc's sub second, USDC native settlement.

The Regatta Board

Races it can enter

hackathon · Circle · upcoming

Arc / Circle developer programs and hackathons

unknown

Official page ↗

Answers Arc's Request for Builders; check current terms.

Their rule on existing code: unknown

What you own

The whole app, not a starter kit.

The complete Heir app: a household USDC balance on Arc that moves to the people you named, slowly and reversibly, if you go quiet, with heirs, letters, a quiet clock, a keeper and a built in paywall. The owner console and growth tools are available as add-ons.

Base price · $299

The user app, complete

Every buyer gets the same finished app. Basic branding and copy changes come through a quick form.

Three step onboardingHome

Shown once: name the people, every touch resets a clock, it moves slowly and comes home.

Quiet clock and next actionHome

Dial of quiet days, held balance, Sunday streak and one clear next step.

Heirs and shares with a change delayWill

Presets or per heir steppers that must total 100%; changes wait 7 days and notify every heir.

Quiet period, pace and keeperWill

Pick 30 to 120 quiet days, 4 to 12 weekly tranches, and a keeper who can pause but never receive.

Second keeperWill

A backup keeper asked if the first does not answer. Gated behind Family office lite.

Quiet clock simulatorClock

Play a trip, a hospital stay or a true goodbye and watch nudges, the keeper pause and tranches.

One touch pull backClock

Anything still held for heirs returns home with a single tap, plus a share card.

Sealed lettersLetters

A letter per heir, encrypted to them off chain, opened with the first tranche.

Heir day one message and previewLetters

Nothing to claim, nothing to pay; preview exactly what each heir sees and how fake fee scams are beaten.

Onchain receiptsReceipts

Will, shares, keeper, heartbeats and tranches on Arc; letters and heartbeat causes never on chain.

Lawyer exportReceipts

PDF and JSON of the will settings for a notary. Gated behind Family office lite.

Sunday still here, plans and nudgesMe

Weekly streak, the Plans paywall with shared USDC checkout, and gated voice call nudges.

Open the full app demo

Add-on

Owner console

Your admin side: revenue, paywall editor, users, rules and the agent log.

Revenue and paywall editorRevenue

MRR by tier, payouts, incoming USDC payments, payment methods, live tier names, prices and gates.

RulesRules

Shortest quiet period, default pace, change delay, nudge hour, balance cap, keeper step and fee sponsoring.

Agent log and roadmapAgent

The quiet watcher's work including failures and adaptations, running costs, and the priced Roadmap.

Top-up

Growth and referrals

Referral and growth mechanics, switched on when you are ready to grow.

Growth loops and cohortsGrowth

Planning evenings, heirs becoming owners, advisor seats, cohorts and sibling referrals.

The money path, built in

How it earns for you

Owners pay a small monthly plan to keep the quiet watcher, nudges and keeper running. Nothing is ever taken from the balance or the tranches, and heirs never pay.

Household$3 a monthOne will, up to 4 heirs, sealed letters, one keeper, Sunday digest, push and SMS nudges

Family office lite$12 a monthSeveral wills, a second keeper, voice call nudges, lawyer export of the will

Advisor seat$40 a monthFor estate planners: set up and review clients' wills, never any access to funds

No fee on balances or tranches. Heartbeat fees on Arc (about a cent each, paid in USDC) can be sponsored by the owner.

Prices are yours to set. Illustrative, not a promise of income.

Growth loops, built in

How it spreads

Heirs become owners: every heir gets a calm day one message and sees how the plan works
Neighbourhood planning evenings that set up wills and keepers in a batch
Advisor seats: each estate planner brings a book of client wills
Share card after a pull back: my mother can forget her phone now
Sibling referral codes worth a free month for both

Roadmap · build the next phase with us

Where it goes next

v1 included

The slow, stoppable will

Heirs, shares and sealed letters
Quiet clock, nudges and keeper pause
Weekly tranches with one touch pull back
Receipts, Sunday streak and the plans paywall

Included

Advisor portal and lawyer export

Advisor dashboard for estate planners
Export matched to local estate forms
Several assets and accounts per will
Voice nudges in 20 more countries

Add-on from $500

Families plan together

Shared keepers across a household
Small regular gifts while the owner is alive
Heir side app with their own plan
Open will schema for other Arc apps

Add-on from $1,100

For investors and grant reviewers

The pitch, ready

A household balance that moves to the people you named, slowly and reversibly, if you go quiet.

Problem: Most families have no plan for the money of someone who goes quiet. Dead man's switch tools flip everything at once on a missed deadline, which scares the older people who most need a plan.

Solution: A long quiet period with human nudges, a keeper who can pause but never receive, then small weekly tranches that one touch from the owner pulls back until the final week. Letters open with the first tranche.

Why now: Arc settles in USDC with fees paid in USDC, embedded wallets remove seed phrases, and small models can write gentle nudges without ever moving money.

Market: Older adults and their families who hold savings in stablecoins, plus the estate planners and notaries who advise them.

The ask: Pilot partners: 40 households and two estate planning practices, and support from Arc's builder programs.

Funding is never guaranteed. Check each program's rules.

For hackathons and demo days

Your 2 minute demo

Home: meet Inés, 71, in Valparaíso, with three people to leave something to and a phone she forgets.
Will: set shares, a 60 day quiet period, 8 weekly tranches and Rosa next door as keeper; schedule a share change.
Clock: play the hospital stay. Nudges go out, Rosa pauses the clock, then Inés taps from the ward.
Letters: edit Lucía's letter, preview the day one message, see the fake fee scam beaten.
Receipts: what is on Arc and what never is, then hit the gated lawyer export.
Me: upgrade to Family office lite through the USDC checkout and unlock voice nudges.
Owner Revenue: change a tier price in the paywall editor and preview the user Plans screen.
Owner Growth and Roadmap: run a planning evening, then request the v2 advisor portal.

Many hackathons require code written at the event. See the Regatta Boardfor each race's rule.

Make it entirely yours

Custom work from $2,500: other assets and chains, local estate form exports, a notary or bank branded deployment, or extra languages. Scoped on a call.

Custom from $2,500

BLUEPRINT

Why it matters and how it really works

The need

Most families have no plan for the money of someone who goes quiet. Dead man's switch tools exist, but they flip everything at once on a missed deadline, which scares the very people who most need a plan: older people who travel, get ill or simply forget their phone.

What exists and what is new

Dead man's switch wallets and Sarcophagus already release assets or secrets when the owner stops checking in. What we did not find is a graduated, reversible version: a long quiet period with human nudges, a named keeper who can pause but never receive, then small weekly tranches the owner can pull back with one touch until the final week. The switch idea is old; the slow, stoppable release is the new part.

The data it runs on

The will settings (heirs' addresses, shares, quiet period, pace, keeper address), heartbeat timestamps, tranche transfers and pull backs. Letters are encrypted to each heir and stored off chain. What caused a heartbeat (unlock, card payment, app open) stays on the device.

1.The mission

Nobody should lose what they meant to leave because of a missed deadline, and nobody should lose what they still need because a machine thought they were gone.

2.Why people can't resist it

One touch brings it all home Anything still held for heirs returns to the owner with a single tap, so a long trip or a hospital stay is never a disaster.

Letters, not just numbers Each heir gets a sealed letter that opens with the first tranche. People come back to edit them when life changes.

Sunday still here A weekly ritual: tap still here, see the streak, and get one prompt to update a letter or a share.

3.How it works for real

Wallet: Embedded wallet (for example Privy) holding USDC on Arc, Circle's stablecoin chain where fees are paid in USDC. No second token to keep topped up.

Will contract: A small Solidity contract per owner: heirs and shares, quiet period, pace, keeper address. It holds the balance, accepts heartbeats, starts weekly tranches after the quiet period and lets the owner pull back anything still held.

Heartbeats: The app sends a signed heartbeat on unlock or app open at most once a day, via a relayer, so the owner never signs gas by hand. Only a timestamp goes onchain.

Quiet watcher: A scheduled job reads the last heartbeat, sends nudges (push, SMS, a voice call at the owner's chosen hour) and asks the keeper before the first tranche. A small model tier (for example Claude Haiku) writes the nudge and keeper messages; no model ever moves money.

Letters: Encrypted on the device to each heir's key and stored off chain; the contract releases the decryption share with the first tranche.

Notifications and heir onboarding: Heirs get a single plain message on day one: nothing to claim, nothing to pay. They can add a wallet later or receive to an email linked embedded wallet.

4.Cost per use and pricing

Per owner per month: about 30 heartbeats relayed on Arc, a cent or less each at expected fees (check current Arc fee terms), plus about $0.01 of small model calls for nudges, and SMS or voice nudges only when the owner goes quiet (roughly $0.01 to $0.10 each depending on country). A typical month costs well under $1 per owner.

Household $3 a month

One will, up to 4 heirs, letters, one keeper, Sunday digest.

Family office lite $12 a month

Several wills, two keepers, voice nudges in more countries, export for a lawyer.

Advisor seat $40 a month

For estate planners who set up and review wills for clients, never with access to funds.

5.Growth loop

Every heir receives a calm, clear message and sees how the plan works, which makes them think about their own. The share card is about a parent who can forget her phone safely, which people send to siblings.

6.Risks and guardrails

Not a legal will: It moves one wallet's balance. It does not replace a will or estate law and may conflict with them. The app says so plainly and offers an export for a lawyer.

False quiet: Phones die and people go to hospital. Long quiet periods, nudges, a keeper pause and a pull back window keep a mistake small and reversible.

Scams aimed at heirs: Fake release fee messages. Heirs are told from day one that nothing is ever paid or claimed.

Coercion: Someone could pressure an owner to change shares. Changes have a 7 day delay and notify every existing heir.

Key loss: If the owner loses the wallet, the plan still runs; recovery uses the embedded wallet's recovery, not the keeper.

Contract risk: Small, audited contract, no upgrade path that can move funds, balances capped during early versions.

7.Build order

Will contract on Arc testnet with heartbeat, tranches and pull back
Phone app with heirs, shares, letters and the quiet clock
Relayed daily heartbeat from app open
Nudge sequence and keeper pause
Heir message and receive flow
Sunday digest and streak
Pilot with 40 households, quiet periods of 60 days or more

8.Where this is going

Now
A slow, stoppable plan for one household balance in USDC.
Next
Several assets and accounts, and a lawyer export that matches local estate forms.
Later
Families plan together: shared keepers, small regular gifts that already move while the owner is alive.
The world it changes
Fewer families lose savings to missing passwords, and fewer older people fear that a single missed deadline hands everything away.

Costs and tools are estimates at the time of writing. General information only, not legal or financial advice.

OWNER PLAYBOOK

Own it, then chart your voyage

Nine routes from one vessel. Tap a port to open its chart.

Why own Heir

Heir: A household balance that moves to the people you named, slowly and reversibly, if you go quiet. Using someone else's version means their rules, their brand and their revenue. Owning Heir means it is deployed under your wallet, carries your name, and every customer, partner and result builds your track record instead of theirs.