Inheritance

The problem: pass funds to heirs without trusting a custodian while alive, and without losing them at death. A covenant expresses this directly.

  funds ── owner key ─────────▶ spendable any time (normal life)
    │
    ├── heir key + CSV delay ─▶ claimable after N months of inactivity
    │
    └── owner key during delay ▶ sweeps back (proof of life)

How it works

1. The owner spends freely; every spend restarts the clock.
2. If the funds sit untouched for the timeout (CSV), the heir's path becomes valid.
3. Refinements compose naturally: multiple heirs with a forced split (CTV template), a notary co-signature (CSFS) required alongside the heir key, or a staged claim the owner can still veto.

No lawyer holds the key. No exchange decides who inherits. The estate plan is a script, verified by consensus, private in amount.

Primitives: CSV · CTV · CSFS · shielded balances