Incorporating Cryptocurrency into Estate Planning: Legal Considerations in Missouri

In the ever-evolving world of finance, cryptocurrency has emerged as a significant player. Its inclusion in estate planning is increasingly becoming a topic of interest. This article aims to shed light on the legal aspects of integrating cryptocurrency into estate planning in the state of Missouri.

Cryptocurrency and Estate Planning: A Legal Overview

Cryptocurrencies such as Bitcoin, Ethereum, and others, are generally recognized as personal property for legal purposes. This is significant for estate planning as personal property, including cryptocurrency, can be bequeathed to heirs or beneficiaries through a will or trust.

Challenges of Cryptocurrency in Estate Planning

The inclusion of cryptocurrency in an estate plan presents unique challenges. One significant hurdle is the digital nature of these assets. Unlike traditional assets, cryptocurrencies require private keys for access. Without these keys, the assets are virtually irretrievable. Ensuring secure yet accessible storage of these keys is a critical part of estate planning with cryptocurrency.

Legal Solutions for Cryptocurrency Estate Planning

In the context of estate planning, trusts serve as a practical solution. In Missouri, a Revocable Living Trust can include cryptocurrency. This way, the creator of the trust (the "grantor") can maintain control over the cryptocurrency during their lifetime while arranging for its proper distribution upon their death.

Missouri Laws and Cryptocurrency Inheritance

Missouri's Uniform Disposition of Community Property Rights at Death Act offers guidance for the treatment of digital assets, including cryptocurrency, in the event of a holder's death. The Act provides for the inheritance of digital assets in the same manner as tangible property. Thus, cryptocurrencies can be left to beneficiaries in a person's will.


Cryptocurrency's integration into estate planning in Missouri requires careful navigation of the legal landscape and a deep understanding of digital assets. It's critical to consult with an attorney knowledgeable about both estate planning and cryptocurrency. With the right planning, cryptocurrency can be a significant and valuable component of your estate plan.