Heritance

What Heritance does

Heritance is a non-custodial digital platform that helps Indian families discover, document, and recover financial assets—including bank accounts, fixed deposits, demat accounts, insurance policies, property documents, gold, lockers, cryptocurrency wallets, EPF, and NPS—when the primary owner becomes unreachable due to death or incapacitation. The platform is organized as a four-layer recovery-ready system: Asset Discovery (a private inventory covering 40+ pre-built asset categories), Recovery Mapping (documentation of nominee details, locker keys, seed phrase locations, advisors, and executors without surrendering custody), Heirs and Rules assignment (beneficiaries, trusted contacts, and conditional recovery workflows), and Handoff (proof-of-life checks and verified contingency triggers that guide heirs through step-by-step recovery). Heritance does not hold user assets, passwords, or private keys; it functions as an organizational and documentation layer that maps access information while leaving custody with the underlying financial institutions.

The product is delivered through a self-serve website at heritance.in with three subscription tiers in Indian Rupees: Starter (₹249/month) for individuals building their recovery checklist, Family (₹499/month) adding heir handoff guidance and priority support, and Premium (₹999/month) for larger estates and business owners with advanced planning and concierge onboarding. The Terms of Service describe a one-time payment model with no recurring charges or automatic renewals, creating a discrepancy with the monthly/annual subscription framing on the pricing page that suggests annual plans may be one-time purchases. Heritance operates as a product-led growth business driven by content marketing—an educational blog covering EPF, NPS, gratuity, legal heir certificates, and asset recovery—plus SEO on inheritance-related queries. The company is based in India (support hours in IST), serves Indian households as the primary segment, and has signaled intent to expand into employer-sponsored B2B2C distribution through HR and benefits partnerships, with secondary segments targeted at ESOP/startup equity holders and NRI families. No funding, revenue, customer counts, or management team information is publicly disclosed.

Name

Heritance

Legal name

Heritance

Website

https://heritance.in

Company type

Private

Founded year

2026

Operating status

Operating

Headcount range

1–10 employees

Short description

Heritance is a non-custodial digital platform that helps Indian families discover, document, and recover financial assets—including bank accounts, insurance, property, gold, and crypto—when the primary owner becomes unreachable. It targets Indian households via self-serve subscription tiers with content-driven acquisition.

Ownership category

akta.pro rank

Product category

Inheritance Readiness Platform

NAICS

Trusts, Estates, and Agency Accounts (525920)

SIC

Services-Computer Programming, Data Processing, Etc. (7370)

akta.pro primary industry

Recovery & Inheritance Solutions (social recovery services, dead-man switches, key escrow) (FSAPACAK)

akta.pro secondary industry

Self-Custody Wallets (EOA, seed phrase, HD wallets) (FSAPACAA)

Keywords

• Asset discovery platform
• Inheritance readiness
• Family continuity planning
• Estate recovery software
• Digital asset documentation

Headquarters

HQ city

Not specified

HQ country

India

HQ region

Asia

Offices1 record

Markets served

GTM type

B2C

Offering type

Software

Cost components

Technology or R&D, Personnel, Marketing or Sales, Operations

Revenue model

1. SaaS Subscription Plans: Three-tier subscription model (Starter, Family, Premium) billed monthly or annually. Pricing is in Indian Rupees. The Starter plan targets individuals, the Family plan targets households, and the Premium plan targets larger estates and business owners.
2. One-Time Service Fees: The Terms of Service explicitly state a ONE-TIME PAYMENT MODEL: fees displayed for each plan represent the total amount payable, with no recurring charges, no subscription fees, and no automatic renewals. Additional services beyond the purchased plan require a separate purchase. All prices are inclusive of applicable taxes unless otherwise stated.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

Heritance is a non-custodial SaaS platform that helps Indian families discover, document, and recover financial and physical assets (bank accounts, fixed deposits, demat holdings, insurance policies, property, gold, lockers, cryptocurrency wallets, EPF, NPS, and more) when the owner is no longer reachable. The product combines a private asset inventory across 40+ categories with recovery mapping, proof-of-life contingency triggers, heir assignment, and guided step-by-step heir recovery workflows — without ever taking custody of user assets, passwords, or private keys.

Product overview

Heritance is a unified family continuity and inheritance readiness platform that provides a single integrated system for asset discovery and recovery. The platform consists of the core Heritance Platform with four functional layers (Discovery, Recovery Map, Heirs, and Handoff) plus three pricing tiers: Starter (individual asset directory and smart recommendations), Family (adds heir handoff guidance and priority support), and Premium (adds advanced planning and concierge onboarding). The platform is non-custodial by design — it does not hold user assets but helps families discover and recover them independently. The company operates on a one-time payment model with no subscription fees, recurring charges, or automatic renewals.

Differentiator

Problem solved

Functional benefit

Products and services

• Heritance Platform A non-custodial family continuity and inheritance readiness platform that helps Indian families discover, document, and recover financial and physical assets (bank accounts, fixed deposits, demat holdings, insurance policies, property, gold, lockers, cryptocurrency wallets, EPF, NPS, and more) when the owner is no longer reachable. Built around a four-layer system — Asset Discovery (40+ pre-built categories), Recovery Map (nominees, seed phrases, locker keys, advisors), Heirs Assignment (beneficiaries, trusted contacts, conditional recovery rules), and Handoff Trigger (proof-of-life checks and verified contingency workflows) — for working professionals, households, business owners, and NRI families.

Quantifiable outcome

• Families systematically searching for forgotten assets recover 30–75% more than they initially estimated
• +3 more outcomes

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature6 records

Scale indicators4 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Cake: End-of-life planning platform combining wills, asset inventory, and beneficiary guidance for US consumers. Comparable as a consumer-facing continuity product targeting the same 'make recovery easier for heirs' problem Heritance solves.
• Snug: Digital estate planning service that helps families document assets, secure key information, and create recovery plans for heirs. Closely aligned with Heritance's discovery → mapping → heir-handoff layered approach.
• Trust & Will: Online estate planning platform offering wills, trusts, and asset organization tools for US families. Directly comparable as a digital continuity/inheritance readiness product serving end consumers with subscription pricing, though focused on US legal frameworks rather than Indian asset categories.
• GoodTrust: Digital estate planning platform that helps families organize digital assets, wills, and legacy information. Closely comparable on the non-custodial asset-discovery and heir-recovery value proposition Heritance emphasizes.
• Vanilla: Estate planning platform focused on advisors and families, offering wills, trusts, and beneficiary workflows. Comparable on the digital estate infrastructure layer, though historically more advisor-channel oriented.

Broad incumbents

• Everplans: Pioneer in digital estate planning, offering asset inventory and legacy documentation for US consumers. Comparable in product concept but broader incumbent with longer operating history and partnerships across financial services.
• Wealth.com: Wealth management and estate technology platform serving financial advisors and their clients. Comparable as a broader estate/asset-organization incumbent with deeper advisor distribution than Heritance's current PLG motion.
• 1Password: Password manager with extended features for digital legacy and emergency access. Adjacent competitor for the credential/seed-phrase portion of Heritance's offering, with significantly stronger brand and distribution globally.

Regional players

• LegalDesk: Indian online legal services platform offering wills, affidavits, and documentation. Most directly comparable Indian peer — same geography and customer base — but anchored in document generation rather than non-custodial asset discovery.

Others

• Policygenius: Online insurance and financial planning marketplace that includes life insurance and beneficiary guidance. Adjacent — overlaps at the beneficiary/nominee documentation layer — but broader in scope and not focused on continuity infrastructure.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/in-heritance

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Heritance