Digital Assets After Death: Who Accesses Your UPI, Crypto, Wallets?

• Most earnings and investments are now digital (UPI, wallets, crypto, mutual funds, demat accounts).
• Accessing digital assets after sudden death is harder than traditional bank accounts or property.
• UPI apps linked to mobile numbers and phones become inaccessible without passwords/OTPs, even with bank nominees.
• Digital wallets often lack nomination facilities, requiring lengthy processes for withdrawal.
• Crypto is the most complex; exchanges lack clear inheritance rules, and lost private keys mean irreversible loss.

Why It Matters: Plan for digital asset inheritance during your lifetime to prevent family from losing funds after your death.