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Use the exchange’s official deceased-account or inheritance process; do not simply sign in with the person’s password. You will normally need an official death certificate, proof that you are the executor or other legally recognized representative, your government-issued photo ID, and written instructions for where the approved transfer should go. Coinbase, Kraken and Binance each have their own workflow, and approval depends on the law governing the estate.
First establish whether the cryptocurrency was held by a centralized exchange or in a self-custody wallet. An exchange can process only assets it actually holds. Bitcoin in a hardware wallet, paper wallet or other self-custody setup requires the wallet and its private key or recovery phrase; a support team cannot recreate a missing key.
Start by identifying where the cryptocurrency is held
Before filing a claim, determine whether the deceased person used an exchange account or controlled the assets directly. This distinction changes the entire recovery process.
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On a centralized exchange, the platform controls the account infrastructure and holds the digital assets on behalf of its customer. The estate must prove the customer’s death and the claimant’s legal authority. The exchange then reviews the documents under its compliance and estate procedures before releasing or transferring the assets.
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Self-custody
In self-custody, the deceased person controlled the private keys. Evidence may include a hardware wallet, a paper wallet, a mobile-wallet backup, a seed or recovery phrase, or an encrypted wallet file. The estate needs both the wallet and the credentials required to unlock it. Without the private key or recovery phrase, the cryptocurrency may be permanently inaccessible. Binance’s guidance specifically warns that encrypted or otherwise protected keys can be difficult to locate and that assets can be lost when access information is unavailable.
Do not send a recovery phrase or private key to an exchange employee, a lawyer, or an unexpected caller. Use the wallet manufacturer’s official instructions and, when necessary, a qualified digital-asset estate professional. Anyone who obtains the phrase can usually move the funds without your approval.
Do not use the deceased person’s login as your recovery plan
Logging in with a remembered password, changing the email address, trading, or withdrawing funds can create legal, security and tax problems. An account’s terms may prohibit credential sharing, and an executor generally needs documented authority before handling estate property. A login also does not prove that you are entitled to inherit the assets.
Preserve evidence instead:
- Keep account-notification emails, tax forms, bank statements and transaction records in their original form.
- Record the exchange name, account email, public account ID and any linked phone number you can lawfully identify.
- Photograph or inventory devices and wallet packaging without guessing passwords or repeatedly attempting logins.
- Do not initiate trades, transfers or password resets unless the exchange or your legal adviser instructs you to do so.
Obtain legal authority before contacting the exchange
A death certificate establishes that the account holder died, but it normally does not authorize you to receive the property. Exchanges generally require a probate or estate document recognized in the jurisdiction where the estate is administered.
Depending on local law and the estate’s size, acceptable authority may include:
- Letters testamentary issued to an executor.
- Letters of administration issued to an administrator.
- A probate order or equivalent court appointment.
- An accepted small-estate affidavit or affidavit for collection, where available.
- Another document that the exchange and the relevant jurisdiction recognize as proof of representative authority.
A will or trust document can be important evidence of the deceased person’s wishes, but it may not substitute for the court appointment an exchange requires. Coinbase says estate-planning documents or the state’s intestate-succession law determine ownership transfer and that individual accounts currently cannot name a beneficiary. Kraken likewise says it does not currently offer a beneficiary option for an account.
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Because probate, inheritance and digital-property rules vary by location, obtain advice from a lawyer familiar with the estate’s jurisdiction before submitting a claim or distributing assets.
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Prepare clear, current copies and keep the originals. Documents should match the account holder’s legal name and the representative’s name exactly; explain any spelling difference, marriage-name change or transliteration issue.
Documents commonly requested
- Official death certificate.
- Probate, letters testamentary, letters of administration, small-estate affidavit or comparable appointment document.
- Current government-issued photo ID for the person named as executor, administrator or other representative.
- A signed instruction letter identifying the approved destination account or the estate account.
- Information that helps locate the account, such as the registered email, phone number, public account ID and relevant transaction records.
Use the exchange’s stated format and upload method. If a document is not in an accepted language, ask the exchange or counsel whether a certified translation is required. Never redact information that the form says is mandatory, but avoid sending unrelated personal documents through an unofficial channel.
Exchange requirements at a glance
| Exchange | Proof of death and authority | Beneficiary designation | Submission route | Claimant account | Published timing |
|---|---|---|---|---|---|
| Coinbase | Official death certificate; probate, letters testamentary, letters of administration, affidavit for collection or small-estate affidavit; current government photo ID; signed transfer instruction | Individual accounts cannot currently name a beneficiary, according to current Coinbase Help guidance | Executor Services form | Instruction letter identifies the destination Coinbase account and associated email | No universal completion time stated in the cited guidance |
| Kraken | Complete color death certificate; documentation confirming appointment as legal representative; current government-issued photo ID; signed and dated representative letter | No current beneficiary option, according to Kraken’s deceased-client guidance | Deceased-client claim submitted to Kraken’s compliance team | Not stated as a universal requirement; follow the compliance team’s instructions | No universal completion time stated; additional documents may be requested |
| Binance | Legally valid inheritance materials requested in the appeal; exact requirements depend on the case and applicable law | Not stated as a beneficiary feature in the cited guidance | Inheritance Appeal feature | Claimant must create and use their own Binance account and identify the deceased user by email, phone number or Binance ID | Usually one to two months; complex cases can take longer (Binance Support guidance, April 3, 2024) |
These are the requirements described in the cited support guidance, not a guarantee that a particular claim will be accepted. Exchanges can change forms, regional rules and document requirements, so verify the current page immediately before filing.
Coinbase: filing an executor claim
What Coinbase asks for
Coinbase’s current guidance lists an official death certificate, probate or equivalent estate documents, current government photo identification for the person named in those documents, and a signed letter directing the transfer. The letter should identify the destination Coinbase account and its associated email address.
Coinbase states that it does not currently support naming a beneficiary for an individual account. As a result, the transfer is governed by the estate documents and the law of the state or other jurisdiction administering the estate, rather than by a beneficiary field in the account.
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How to submit
- Gather the death certificate, the court or small-estate document and your current photo ID.
- Prepare a signed instruction letter that names the deceased account, identifies your authority and specifies the destination account or estate-controlled destination.
- Submit the claim through Coinbase’s Executor Services form, using only the official Coinbase site or app path shown in its current support instructions.
- Respond to any request for clarification or additional records. Keep copies of every upload and confirmation number.
- After approval, confirm the transfer and record the amount, asset, transaction identifier, date and valuation information for the estate file.
Coinbase does not publish a universal completion time in the cited guidance. Do not treat a lack of an immediate response as permission to use the deceased person’s credentials or to send repeated forms that could create duplicate claims.
Kraken: filing a deceased-client claim
Required packet
Kraken’s March 17, 2026 guidance asks for a complete color death certificate, legal documentation confirming that you were appointed as the representative (for example, probate or letters of administration), a current government-issued photo ID and a signed, dated representative letter. Kraken says its compliance team may request additional documents.
Earlier Kraken support guidance also says that the service does not offer a beneficiary option and suggests including the Kraken public account ID in an estate plan. That ID can help locate the account, but it does not replace proof of authority.
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- Make a color scan or photograph of the complete death certificate and check that no page is missing.
- Include the appointment document showing that you can act for the estate.
- Write and sign a dated representative letter with your contact information, the deceased customer’s identifying details and the requested destination.
- Submit the deceased-client claim to Kraken’s compliance team through the official support route.
- Answer follow-up questions promptly and preserve the compliance team’s instructions with the estate records.
Kraken does not state a universal completion time in the cited materials. A request for more documents is part of its review process, not evidence that the claim has been rejected.
Binance: using the Inheritance Appeal
Account and identification requirements
Binance’s Inheritance Appeal requires the claimant to create and use their own Binance account. The form asks for an identifier for the deceased user, such as the registered email address, phone number or Binance ID, and asks the claimant to upload the requested legal materials.
What happens after submission
- Create your own Binance account if you do not already have one, using your own identity and contact details.
- Open the Inheritance Appeal feature and enter the deceased user’s identifying information accurately.
- Upload the death certificate, proof of legal authority and any other documents the form requests.
- Monitor the claimant account and email for requests from the dedicated review team.
- When approved, follow the transfer instructions and save the confirmation and transaction records for the estate.
Binance says the process usually takes one to two months and can take longer for complex cases. Its April 3, 2024 guidance also states that the outcome is subject to applicable law, the platform’s terms and conditions, and legally valid inheritance documents.
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What to do after an exchange approves the claim
Choose an estate-controlled destination
Where possible, direct the assets to an account or wallet controlled under the estate’s documented procedures rather than to an individual’s informal account. Your lawyer or administrator should confirm whether the destination belongs to the estate, a trust or a beneficiary and whether the exchange permits that destination.
Document the transfer
Save the exchange approval, uploaded documents, transfer confirmation, blockchain transaction ID, asset quantity, fees and the date and time shown by the platform. Record the valuation method and date used by the estate. Keep the records with the probate file so another representative can reconstruct what happened.
Handle tax and reporting obligations
Cryptocurrency may create income, capital-gains, inheritance or estate-tax reporting obligations depending on the jurisdiction and the transaction. The value used for estate purposes can differ from the value when an asset is later sold or transferred. A cryptocurrency tax professional who also understands estate administration can help determine the appropriate valuation date, basis records and filings.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.If you cannot find the exchange account
Search methodically without accessing accounts unlawfully:
- Review email for account-opening messages, withdrawal notices, security alerts and tax forms.
- Check bank and card statements for deposits to or withdrawals from trading platforms.
- Look for exchange applications, password-manager entries and two-factor-authentication devices.
- Review prior tax returns and digital-asset reporting forms.
- Ask the estate’s lawyer or accountant whether the deceased disclosed an account in financial records.
Contact only the exchange’s official support channel once you have enough information to identify the customer. Be cautious of anyone who promises to “unlock” the account for an upfront fee or asks for a seed phrase, one-time code or remote access to a device.
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If the assets are in a hardware or paper wallet
An exchange inheritance claim cannot recover coins that were never held by that exchange. For self-custody, inventory the physical wallet, backup cards, written recovery phrase, encrypted files and any passphrase instructions. Do not type a recovery phrase into a website or send it through email or messaging.
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Use the manufacturer’s official documentation to identify the wallet type and recovery procedure. If a passphrase, PIN or encrypted backup is missing, stop guessing; repeated attempts can trigger device lockouts or destroy evidence. A specialist who handles digital-asset estates can help create a secure recovery plan while preserving the chain of custody.
Common failure points and how to avoid them
Submitting only a death certificate
Proof of death normally does not establish who may control the property. Obtain the probate appointment, accepted affidavit or other authority required in the estate’s jurisdiction.
Assuming a will automatically unlocks the account
A will can direct distribution, but the exchange may still need court-issued representative documents. Submit both when the exchange requests them.
Using an unofficial contact channel
Fraudsters imitate exchange support and ask for passwords, recovery phrases or “release fees.” Start from the exchange’s official website or application, and never disclose private keys or authentication codes.
Sending inconsistent names or incomplete scans
Make sure the account name, death certificate and court documents can be reconciled. Upload every page and follow stated color, translation and certification requirements.
Expecting a fixed deadline
Only Binance publishes a typical one-to-two-month estimate in the cited guidance, and complex matters may take longer. Coinbase and Kraken do not publish a universal completion time in those materials.
A practical checklist for the executor
- Determine whether the assets are on an exchange or in self-custody.
- Preserve emails, statements, devices and account identifiers without making transactions.
- Open or confirm the estate proceeding and obtain recognized authority to act.
- Order the official death certificate and gather current photo identification.
- Prepare a signed transfer or representative letter and identify the lawful destination.
- Use the exchange’s current official form: Coinbase Executor Services, Kraken’s deceased-client compliance route or Binance Inheritance Appeal.
- Keep a dated copy of every submission and answer follow-up requests through the same official channel.
- After approval, record the transfer, valuation, fees and tax documents in the estate file.
- Obtain local legal and tax advice before distributing or selling the assets.
Bottom line
Recovering cryptocurrency from a deceased person’s exchange account is an estate-administration procedure, not a password-recovery exercise. Prove death, prove your legal authority, follow the exchange’s exact workflow and preserve a complete record. If the coins were self-custodied, recovery depends on finding the wallet and its private key or recovery phrase; no exchange can replace a missing key.
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