What’s the password? Here’s a hint: It’s definitely not “swordfish.”

More than 95% of the 21 million Bitcoin that will ever exist has already been mined. But millions of those coins are gone, lost to forgotten passwords and misplaced private keys. For clients and their heirs, that can mean fortunes vanishing permanently instead of being passed down. With crypto, estate planning failures don’t just cause delays, but often irreversible losses.

“Crypto investors who don’t plan for access are unintentionally creating assets that are inheritable, in theory, but unreachable in practice,” said Scott Bishop, co-founder of Presidio Wealth Partners. “That’s the biggest estate-planning failure we see in the digital…