Abstract: With the rise of cryptocurrencies, the issue of crypto-asset’s inheritance is becoming a major challenge. Unlike traditional financial assets, these digital assets are secured by cryptographic keys and are independent of intermediaries, making their transfer after the death of the owner complex. Without proper planning, these funds risk being lost forever. This article explores the challenges and solutions associated with inheriting crypto-assets. It also examines smart contract’s role in automating asset transfer while ensuring security and compliance. Finally, we propose an AI-DLT-based architecture to ensure the secure and automated transfer of crypto-assets after the death of the owner. This approach aims to prevent the loss of funds and facilitate the reliable and efficient transfer of digital assets to their rightful owners, including heirs who do not possess cryptocurrency wallets.

Keywords: Crypto-assets, Hashgraph, Inheritance, DLT, Smart contracts, Decentralized finance

Pages: 1226-1238