The Bitcoin Adviser
The Bitcoin Adviser is a non-custodial Bitcoin advisory firm offering collaborative 2-of-3 multisig vaults and a documented Estate Plan Protocol to high-net-worth individuals, families, family offices, advisers, law firms, and sovereign-wealth clients across the US, Australia, UK, Europe, and APAC, on a recurring percentage-of-holdings fee model.
- Company typePrivate
- Founded2016
- HeadquartersDouble Bay, Australia
- Headcount11–50
- GTM typeB2B
- OfferingServices
What The Bitcoin Adviser does
The Bitcoin Adviser (legal entity Billworth Pty Ltd) is a privately held, non-custodial Bitcoin advisory firm founded in 2016 and headquartered in Double Bay, Sydney, Australia. The firm specialises in collaborative 2-of-3 multisig vault design, in which the client retains one signing key, TBA holds a co-signing key as professional key agent, and a third key is held by a client-chosen trusted party. This architecture is paired with a documented Estate Plan Protocol covering jurisdiction-appropriate continuity planning, beneficiary education, executor/trustee guidance, and recovery runbooks, so that heirs can act on-chain without exposing key material in legal documents.
TBA operates on a recurring fee model: 1.00% p.a. on Bitcoin holdings under advisory in Years 1-4, stepping down to 0.75% in Years 5-8 and 0.50% from Year 9 onward, billed quarterly in arrears and payable in Bitcoin. Early termination fees (4%/3%/2%/1% across Years 1-4) reinforce multi-year client commitment. Distribution is exclusively advisory-led direct sales and a referral partner channel; the firm reports 600+ families/individuals/entities supported, $1B+ in aggregate client-family Bitcoin exposure since inception, zero satoshis lost, and a 500+ member partner network.
Customer segments span high-net-worth individuals and families, family offices, financial advisers, law firms, sovereign wealth and public-sector capital, and SDIRA/SMSF retirement-account holders. Services include Collaborative Security, Estate Planning & Inheritance, Education & Advisory, Retirement Planning, Bitcoin Income, Borrowing Against Bitcoin, and Corporate Bitcoin Treasury, supported by free tools (Bitcoin Calculator, Risk Assessment, Bitcoin Emergency Kit, Free Bitcoin Will, Generational Bitcoin Playbook). TBA also refers eligible clients to Loan My Coins for Bitcoin-collateralised lending. Geographic focus covers the US, Australia, UK, Europe, and APAC, with US leadership and Australian operations under a 14-person team.
The Bitcoin Adviser firmographics
Firmographics- Name
- The Bitcoin Adviser
- Legal name
- Billworth Pty Ltd
- Website
- https://thebitcoinadviser.com
- Company type
- Private
- Founded year
- 2016
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- The Bitcoin Adviser is a non-custodial Bitcoin advisory firm offering collaborative 2-of-3 multisig vaults and a documented Estate Plan Protocol to high-net-worth individuals, families, family offices, advisers, law firms, and sovereign-wealth clients across the US, Australia, UK, Europe, and APAC, on a recurring percentage-of-holdings fee model.
- Ownership category
- akta.pro rank
The Bitcoin Adviser industry classification
Industry- Product category
- Bitcoin Custody & Estate Advisory
- NAICS
- Portfolio Management and Investment Advice (523940), Funds, Trusts, and Other Financial Vehicles (525)
- SIC
- Finance Services (6199), Investment Advice (6282)
- akta.pro primary industry
- Active Crypto Asset Managers (Discretionary) (FSADAHAA)
- akta.pro secondary industry
- Treasury Management & Corporate Crypto Yield Programs (FSADAHAL)
Keywords
Where The Bitcoin Adviser is headquartered
LocationHeadquarters
- HQ city
- Double Bay
- HQ country
- Australia
- HQ region
- Oceania
Offices2 records
Markets served
The Bitcoin Adviser business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales
Revenue model
- Advisory Fee (Annual Percentage of Bitcoin Holdings): Fees are calculated as a percentage of Bitcoin holdings under advisory, billed quarterly in arrears, payable in Bitcoin within 7 days of invoice. Fee tiers decrease over time: 1.00% p.a. for Years 1-4, 0.75% p.a. for Years 5-8, 0.50% p.a. from Year 9 onward. Early termination fees apply during the first four years (4% in Year 1, declining to 1% in Year 4). No early termination fee after Year 4. Referral partners earn 10% of revenue from referred clients, paid quarterly in Bitcoin.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Quarterly | Years 1–4: 1.00% p.a. of Bitcoin holdings under advisory |
| Subscription | Quarterly | Years 5–8: 0.75% p.a. of Bitcoin holdings under advisory |
| Subscription | Quarterly | Year 9 onward: 0.50% p.a. of Bitcoin holdings under advisory |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels7 records
The Bitcoin Adviser product offering
Product offeringCore offering
The Bitcoin Adviser is a non-custodial Bitcoin advisory firm that designs collaborative 2-of-3 multisig vaults where the client retains a signing key and The Bitcoin Adviser holds a professional co-signing key, eliminating any single point of failure. Surrounding this vault architecture, the firm delivers documented Estate Plan Protocols, estate and inheritance planning, education and advisory, retirement planning (US SDIRA / Australian SMSF), Bitcoin income strategies, non-custodial borrowing guidance, and corporate Bitcoin treasury governance. Fees are charged as an annual percentage of Bitcoin holdings, billed quarterly in arrears in Bitcoin.
Product overview
The Bitcoin Adviser is a non-custodial advisory firm, not a single unified software product. Its offering is a portfolio of advisory services built around a core collaborative security architecture — a 2-of-3 multisig vault model in which the client holds a key, TBA holds a co-signing key, and a third key is client-controlled. This core is supported by the Estate Plan Protocol (EPP), a documented recovery and inheritance framework. Around these two pillars, TBA offers a suite of services including Estate Planning & Inheritance, Education & Advisory, Retirement Planning (SDIRA/SMSF), Bitcoin Income, Borrowing Against Bitcoin, and Corporate Bitcoin Treasury. Free tools include a Bitcoin Calculator, Bitcoin Risk Assessment, Bitcoin Sats Calculator, Bitcoin Adventure Quiz, Free Bitcoin Will generator, Bitcoin Emergency Kit, and Generational Bitcoin Playbook. Loan My Coins is an introduced service for Bitcoin-collateralised lending. A Referral Partner Program with 10% lifetime revenue share extends the commercial model. All services are delivered via human-operated workflows; no software platform, API, or SaaS product is offered.
Differentiator
Problem solved
Functional benefit
Products and services
- Collaborative Security (2-of-3 Multisig Vault) A collaborative 2-of-3 multisig vault design service where the client retains a signing key, The Bitcoin Adviser holds a co-signing key, and a third key is held by the client or a trusted platform, eliminating any single point of failure. TBA cannot move funds unilaterally. Designed for high-net-worth individuals, families, and enterprises holding Bitcoin long-term.
- Estate Plan Protocol A documented, testable Bitcoin continuity and recovery protocol that provides heirs, trustees, and executors with actionable recovery steps without exposing sensitive key material in legal documents. Includes jurisdiction-appropriate planning, written recovery runbooks, beneficiary education, and integration with legal estate documents.
- Estate Planning and Inheritance Bitcoin-specific estate and inheritance planning services that translate legal authority into executable on-chain recovery, including beneficiary education and executor support. Designed so families feel confident in continuity, not just the Bitcoiner.
- Education and Advisory Personalised Bitcoin education and advisory services for clients, family members, trustees, and executors, covering self-custody, multisig operation, and continuity planning. Provides clear, practical guidance for both Bitcoiners and non-technical family members.
- Retirement Planning (SDIRA / SMSF) Integration of Bitcoin with US Self-Directed IRAs (SDIRA) and Australian Self-Managed Super Funds (SMSF) within a collaborative security structure, enabling tax-advantaged Bitcoin holdings that are self-custodied and inheritable.
- Bitcoin Income Strategies for generating income or yield using Bitcoin holdings while maintaining self-custody and collaborative security.
- Borrowing Against Bitcoin Non-custodial guidance on using Bitcoin as collateral to borrow liquidity without selling the underlying asset. TBA acts as introducer to partner lending services such as Loan My Coins.
- Corporate Bitcoin Treasury Collaborative security and governance design for corporate entities seeking to hold Bitcoin on their balance sheet, with controls suitable for board oversight and audit requirements. Supports sovereign wealth and public-sector mandates.
- Referral Partner Program A 10% lifetime revenue share referral program for professional advisers, podcast hosts, community leaders, and Bitcoiners who introduce clients to The Bitcoin Adviser's collaborative security services. Referral commission payments grew +348.2% from 2024 to 2025; program reached 500+ partner members as of October 2025.
Quantifiable outcome
- $1B+ aggregate client-family Bitcoin exposure managed with zero satoshis lost since 2016
- +3 more outcomes
Companies that use The Bitcoin Adviser
Customer profileNamed customers2 records
Segments6 records
Ideal customer profiles5 records
The Bitcoin Adviser technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature5 records
The Bitcoin Adviser partnerships and signals
Strategic signalScale indicators7 records
Recent moves6 records
Expansion highlights6 records
The Bitcoin Adviser competitors and assessment
Company assessmentBroad incumbents
- NYDIG: Broad incumbent Bitcoin-focused institutional platform offering custody, trading, and retirement products to banks, family offices, and advisers across the US.
- Coinbase Custody / Coinbase Prime: Broad incumbent regulated digital asset custodian used by institutions, family offices, and trusts; competes on regulated custody and scale rather than bespoke collaborative security.
- Fidelity Digital Assets: Broad incumbent institutional Bitcoin custodian and trading venue serving hedge funds, family offices, and corporate treasuries; competes for institutional mandates with full-stack regulated custody.
- Anchorage Digital: Broad incumbent federally chartered crypto asset custodian and platform serving institutions, family offices, and corporate treasuries with regulated custody and governance tooling.
- Trust Wallet / BitGo Trust: Broad incumbent institutional qualified custodian providing cold storage, multi-sig, and estate/inheritance tooling for digital assets, competing for family-office and adviser mandates.
Direct peers
- Swan Bitcoin: Direct competitor offering Bitcoin IRA (SDIRA), collaborative custody, and advisory services for individuals and financial advisers across US markets, overlapping in retirement planning and adviser referral channels.
- Bitcoin IRA (Kingdom Trust): Direct competitor in the Bitcoin retirement space, providing SDIRA services for US clients with optional self-custody integrations — overlapping with TBA's Retirement Planning pillar.
- Unchained Capital: Direct competitor offering collaborative multisig Bitcoin custody, IRA services, and institutional-grade wealth solutions; shares the same key-agent model and target audience of HNW Bitcoiners and family offices.
- Casa: Direct competitor providing multisig Bitcoin self-custody vaults and inheritance/estate planning for individuals and families, with a security-focused product positioned against single-key self-custody risk.
Emerging players
- Onramp (Bitcoin multi-institution custody): Emerging player offering key-agent-enabled multi-institution Bitcoin custody specifically tailored for family offices and advisers; partial overlap with TBA's collaborative security model.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
The Bitcoin Adviser social profiles
Digital presenceThe Bitcoin Adviser financial estimates
Financial estimateRevenue estimate
Valuation estimate
The Bitcoin Adviser leadership team
Management profileNumber of profiles
Profiles2 records
The Bitcoin Adviser funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
The Bitcoin Adviser M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about The Bitcoin Adviser
What does The Bitcoin Adviser do?
The Bitcoin Adviser is a non-custodial Bitcoin advisory firm that designs collaborative 2-of-3 multisig vaults where the client retains a signing key and The Bitcoin Adviser holds a professional co-signing key, eliminating any single point of failure. Surrounding this vault architecture, the firm delivers documented Estate Plan Protocols, estate and inheritance planning, education and advisory, retirement planning (US SDIRA / Australian SMSF), Bitcoin income strategies, non-custodial borrowing guidance, and corporate Bitcoin treasury governance. Fees are charged as an annual percentage of Bitcoin holdings, billed quarterly in arrears in Bitcoin.
Is The Bitcoin Adviser a public or private company?
The Bitcoin Adviser is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was The Bitcoin Adviser founded?
The Bitcoin Adviser was founded in 2016. It employs 11 to 50 people.
Where is The Bitcoin Adviser based?
The Bitcoin Adviser is headquartered in Double Bay, Australia, in the Oceania region.
How does The Bitcoin Adviser make money?
One revenue line is on record: advisory Fee (Annual Percentage of Bitcoin Holdings).
Who are The Bitcoin Adviser's main competitors?
Broad incumbents on record are NYDIG, Coinbase Custody / Coinbase Prime, Fidelity Digital Assets, Anchorage Digital and Trust Wallet / BitGo Trust. Direct peers are Swan Bitcoin, Bitcoin IRA (Kingdom Trust), Unchained Capital and Casa. Onramp (Bitcoin multi-institution custody) is listed as an emerging player.
Does The Bitcoin Adviser have an API?
No public API is recorded for The Bitcoin Adviser.
What industry is The Bitcoin Adviser in?
The Bitcoin Adviser's product category is Bitcoin Custody & Estate Advisory. Its primary akta.pro industry code is FSADAHAA, Active Crypto Asset Managers (Discretionary), with a secondary code of FSADAHAL, Treasury Management & Corporate Crypto Yield Programs. Its NAICS code is 523940 and its SIC code is 6199.