FinalKey Legacy Vault

Digital Legacy Vault

One-Time Payment — No Subscription

Because Love Shouldn't End With Unanswered Questions.

Love leaves memories. Leave the map, too.

FinalKey Legacy Vault helps protect your digital life—from passwords and financial accounts to important documents, businesses, and personal wishes—so the people you love have answers when they need them most.

Final Wishes Bank Accounts Insurance Passwords Legal Docs Photos Recipes — all in one encrypted vault, with live links your family can tap directly.

Get FinalKey — $245 →

Your data stays yours

One-time payment · License key emailed instantly · $25/yr after year one · Already have a key? Vault Sign In

See FinalKey's accessibility features →

Live Links & Passwords

Your family clicks. They don't search.

Every vault entry includes a live link and stored password. That's the difference between weeks of detective work and 10 minutes. And if you run a business, you benefit right now — not just someday.

For Business Owners

Your vault is your command center — right now.

Shopify, Stripe, your hosting provider, your domain registrar, your ad platform. All your business accounts with live links you click straight to. No bookmarks, no password resets, no digging. Use it every day. Your family inherits the whole system.

E-commerce: Shopify, payment processors, suppliers
Infrastructure: hosting, domains, DNS, CDN logins
Marketing: ad platforms, analytics, email tools
Hand it off: whoever inherits your business inherits access

Without FinalKey

Weeks searching for account names
Password resets on locked accounts
Calls to banks to prove identity
Business accounts go dark

With FinalKey

Open vault → see every account
Tap the live link → land on the site
Password is right there
Done in 10 minutes

What You Can Store

Every corner of your digital life — organized.

FinalKey protects thirteen categories of assets. Not just accounts and passwords — photos, memories, recipes, documents, and your social media presence too.

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Final Wishes & Arrangements

Funeral preferences, cemetery plot details, obituary instructions, memorial service plans, and personal messages to your family. Everything they need to honor your wishes — exactly as you intended them.

Funeral Plans Cemetery Info Obituary Memorial Service Personal Messages

🏥

Medical Directives

Living wills, DNR orders, healthcare proxy, and advance directives — everything your healthcare team needs if the worst happens.

Living Will DNR Healthcare Proxy Advance Directive

🏦

Bank & Financial Accounts

Account numbers, routing numbers, investment portfolios, safe deposit boxes. Every entry includes a live link — tap to go straight to the bank portal. No searching, no guessing.

Checking Savings CD / Money Market 🔗 Live site link

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Insurance Policies

Policy numbers, coverage details, agent contacts, and beneficiary designations. One tap on the live link goes straight to the insurer's portal — no more wondering who to call. How to name beneficiaries → Walk through your new vault →

Life Home & Auto Health 🔗 Live site link

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Passwords & Logins

Every password, every account — with a live link to the site. Your family taps once and lands on the login page. No copying URLs. No Googling account portals while grieving.

Email Accounts Streaming Utilities 🔗 Live site link

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Photos & Memories

Preserve family photos in named albums with stories, dates, and people tags — stored permanently alongside your financial records. Not a photo backup app. A memory vault. Decades of moments, organized and labeled the way only you can.

Named Albums Stories & Captions People Tags Dates

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Documents & Recipes

Wills, trusts, property deeds, tax records — and Grandma's recipes. The legal vault and the family vault in one place. Documents category holds everything that matters on paper, from estate paperwork to the recipes no one thought to write down.

Wills & Trusts Tax Records Property Deeds Family Recipes

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Social Media Accounts

Your Instagram, Facebook, Twitter/X, TikTok — stored so heirs can memorialize, manage, or delete accounts on your behalf. Social media doesn't vanish on its own. Give your family the logins they'll need.

Instagram Facebook Twitter / X TikTok 🔗 Live site link

📈

Investments & Retirement

401(k)s, IRAs, brokerage accounts, pensions — everything your family needs to settle investment accounts. Estimated balances, account numbers, and portal logins, all in one place.

401(k) IRA / Roth IRA Brokerage Pension / HSA 🔗 Live site link

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Home Security

Smart doorbells, cameras, alarms, smart locks, and monitoring services. Keypad codes, monitoring account numbers, and portal logins — so your family can manage the home security system after you're gone.

Smart Doorbell Camera / Alarm Smart Lock Monitoring Service 🔗 Live site link

Service	Model	Annual Cost	5-Year Total
Trustworthy	Subscription	$480/yr	$2,400
Everplans	Subscription	$150/yr	$750
GoodTrust	Subscription	$89/yr	$445
FinalKey YOU'RE HERE	One-time + $25/yr	$25/yr after year 1	$345

Security & Trust

How FinalKey protects your legacy — and how it releases.

Encryption, two-factor authentication, three release triggers, and role-based access for every heir on the vault — the same controls that gate the heir view in the app.

Encryption & 2FA

The vault is locked twice — once at rest, again at sign-in.

AES-256-GCM encryption at rest

The same standard used by banks and governments. Every vault entry — passwords, bank account numbers, policy numbers, document attachments — is encrypted with a per-entry key derived from your master password.

AES-256-GCM authenticated encryption — any tamper attempt fails the decrypt.
Per-entry unique IV and authentication tag; no two entries share a key.
Key derivation runs locally on sign-in — the server never sees your master password.
Bank-account and medical entry safe-summaries are decrypted at unlock, then redacted when the heir view renders.

TOTP-based Two-Factor Authentication

Vault owners can add a second factor to sign-in. Even if your password leaks, an attacker still can't open the vault without the 6-digit code your authenticator app produces.

RFC-6238 TOTP — standard, open, no vendor lock-in.
Codes rotate every 30 seconds; one-time backup codes generated at enrollment for recovery.
Vault owners can opt in from Account Settings → Security → 2FA. Once enabled, sign-in requires the 6-digit TOTP code from Google Authenticator, 1Password, Authy, or any RFC-6238 app.

Release Triggers

Three ways the vault unlocks for your heirs.

Manual release

You press the button from anywhere — from the app on a trip, from the office, or in the hospital. FinalKey emails your heirs a one-tap unlock link the moment you confirm.

Inactivity timer

If FinalKey doesn't hear from you for ~8 days, the inactivity cron fires: ~5 days of warning emails to you and your executor, then release — so a missed trip doesn't lock out your family.

Scheduled release date

You pick the day on the calendar. On that date, your heirs' invitation locks flip from "awaiting trigger" to "unlock ready" — useful for planned surgery, a long trip, or a known terminal date.

You can change or disable each trigger anytime. Default is inactivity-only.

Role-based Access

Each heir role sees only the entries relevant to them.

Heir role	What they see	Example entries
Medical POA	Only entries tagged `medical_directive = true`.	Living will, healthcare proxy, POLST form, organ-donor cardNo bank, password, or insurance entries — even if all three are in the vault.
Financial POA	Only entries tagged `financial_poa = true`.	Bank accounts, investment logins, brokerage passwords, tax foldersNo medical directive, no personal Photos — just the financial surface.
Executor	Bank accounts, investments, insurance, legal documents (Wills & Trusts).	Will, trust, retirement beneficiary statement, life-insurance policyEstate-admin scope — the categories the executor needs to settle the estate.
Spouse	Everything in the heir-shared set, with an optional standing-access bypass so spouse can open the heir view at any time — even before the trigger fires.	Bank accounts, insurance, legal documents, passwords, photosStanding access is on by default for the spouse role; you can disable it per vault.

If two POA flags are set on the same heir, they see the union of medical + financial entries — matches the code at routes/access.js:268-274.

HOW IT WORKS

How your vault gets built.

One way to import. Manual entry always welcome. One organized vault either way.

Import your saved passwords

Export your saved passwords from Chrome, Firefox, or Safari and upload the CSV — FinalKey scans what you already have and does the work for you. Add the rest by hand. No manual entry required.

We scan and categorize what we find

Banking accounts, insurance policies, payment portals, online businesses, passwords, legal documents — FinalKey recognizes 60+ patterns and sorts everything into the right vault category automatically.

Review discoveries, one-click import to your encrypted vault

See everything that was found before any data is saved. Edit categories, remove what's irrelevant, then import the rest. Your vault populates in minutes, not hours.

Add your designated contacts — they get access when needed

Choose who gets access — spouse, children, attorney, executor. Set permission levels so each person sees only what you authorize. Every entry includes a live link: they tap once and land on the bank, insurance portal, or account site. No searching. No wrong turns.

Questions

Common questions about FinalKey.

Does the $245 purchase provide lifetime vault access?

Yes. The $245 purchase provides lifetime access to your vault. A separate $25/year Secure Hosting & Monitoring charge keeps the service hosted, monitored, and maintained.

Who can access my vault?

Only you and the designated people you choose can access your vault. You decide which heirs, family members, attorneys, or other contacts are invited and what each person can see.

When and how do my heirs receive access?

You choose how access is released: manually, after an inactivity timer, or on a scheduled release date. Each heir enters through their own access flow and sees only the entries you assigned to them.

Can FinalKey read or sell my vault data?

No. Your vault is encrypted client-side with AES-256-GCM, and your encryption keys stay in your browser. FinalKey does not read or sell your vault data. Designated contacts receive shared entries only through the access flow you set up. Read our Privacy Policy for more about how we protect your information.

One Payment. Done.

No subscription. No surprises.

Most digital legacy vaults charge $99–$480/year, every year. After 5 years, that's hundreds or thousands of dollars — to them. FinalKey is one payment. Then $25/year to keep the lights on.

Questions? Call +1 925-257-6970

Because Love Shouldn't End With Unanswered Questions

Love leaves memories. Leave the map, too.

Your vault holds everything they'll need — bank accounts, insurance, passwords, wills, medical directives, business logins, photos, and the stories only you can tell.

But a vault is only as good as its release plan. Here's how yours works:

✓ You stay in control, always. Nothing releases while you're active. A simple check-in keeps your vault locked to everyone but you.
✓ If you go quiet, we check in. After 5 days of inactivity, we reach out to confirm you're okay. No response by day 8, and your release plan activates.
✓ Your people get exactly what they need — no more, no less. Spouses, heirs, executors, attorneys, and power-of-attorney holders each see only the entries you've assigned them. A spouse might see everything; a medical POA holder sees only medical directives; an executor sees the financial and legal record. You decide who sees what, ahead of time, calmly — not in the middle of a crisis.

Add the people who matter. In your vault, you can record your spouse, children, heirs, and any professionals involved in your affairs — your attorney, financial advisor, or estate planner — so everyone named in your plan is already in place before they're ever needed.

Every life tells a story. Make sure yours can still be read.

One-Time Price

$245 one time

Everything included. No tiers. No upsells. No "premium" features. One payment, and your vault is protected forever.

✓ All vault categories — accounts, insurance, passwords, documents
✓ Photos & Memories — named albums, stories, people tags
✓ Documents & Recipes — wills, deeds, and family recipes
✓ Social Media Accounts — so heirs can memorialize or close accounts
✓ Live website links — tap any account to go straight to the site
✓ Password Finder — auto-populate your vault from your browser
✓ Designated family & estate access
✓ AES-256 encryption + zero-knowledge storage

+ $25/year — Secure Hosting & Monitoring (auto-renews, billed every 365 days)

Get FinalKey — $245 →

One payment. Done.

If a professional (attorney, financial advisor, estate planner, or similar) referred you to FinalKey, information confirming your enrollment may be shared with that referring professional solely to verify the referral and support your estate planning relationship. No vault contents, passwords, or personal entries are ever shared with a referring professional — only confirmation that an account was set up. You can update or remove this sharing preference at any time in your account settings.