Florida Cryptocurrency Estate Planning Checklist

The Florida Cryptocurrency Estate Planning Checklist is a practical worksheet for making sure the people you trust can actually reach your digital money after death or during incapacity. It is built around Chapter 740 of the Florida Statutes, the Florida Fiduciary Access to Digital Assets Act, and around the hard reality of self-custody: there is no bank to call and no way to reset a lost wallet, so if the keys cannot be found, the coins cannot be recovered.

Many estate plans never actually reach cryptocurrency, because a will that disposes of "all my property" transfers ownership without giving any direction about digital assets, which leaves an exchange account to the platform's own terms of service, and because it does nothing to deliver the private keys to a self-custody wallet. This checklist walks the five things that decide whether your crypto survives you and the practical steps that make your documents, your keys, and your exchange settings all point the same direction.

It is a planning tool, not legal advice or a substitute for drafted documents. Self-custody holders and estates with significant crypto in particular should pair the checklist with attorney review.

What the checklist covers

• The five things that decide whether your cryptocurrency reaches your heirs.
• How to inventory wallets and exchange accounts without exposing keys or seed phrases.
• Express digital-asset and cryptocurrency language to add to your will and durable power of attorney.
• Why the keys must never go in the will, and where they should live instead.
• Setting and reconciling exchange online-tool settings under Chapter 740, and any beneficiary setting the platform offers.

For the reasoning behind each item, see the article on what happens to your cryptocurrency when you die in Florida, and the step-by-step guide to passing on your cryptocurrency in a Florida estate plan. To have crypto authority and access built into your plan, see the firm's Crypto Estate Planning service.