Crypto Inheritance Update: September 2025
A newsletter for Vault12’s customers on regs, the industry, and crypto inheritance management.
September Highlights:
SEC Busy working on rulemaking and guidance
We heard back from the SEC, while congress has ben in recess, staff has been busy preparing guidance and rules on a number of topics which will roll out in th next 2 to 6 months. This includes the subject of security token transformation.
Senate releases its draft of Market Structure Bill
The Senate Banking Committee released its full draft of their market structure legislation. The bill divides regulation between the Securities and Exchange Commission (SEC) and the Commodity Futures Trading Commission (CFTC) and provides new authorities to the CFTC. (Text)
The SEC tweeted, “‘Market participants should have the freedom to choose where they trade spot crypto assets. The SEC is committed to working with the CFTC to ensure that our regulatory frameworks support innovation and competition in these rapidly evolving markets,’ said SEC Chairman Paul Atkins”
Crypto Democrats pledge to work with Republicans on the Clarity Act
Crypto Democrats published a statement saying, “Last week, we released a framework on market structure legislation, highlighting our desire to work on this issue. As we stated then, digital assets are a $4 trillion global market that will require a considered and bipartisan approach to regulation. We hope our Republican colleagues will agree to a bipartisan authorship process, as is the norm for legislation of this scale. Given our shared interest in moving forward quickly on this issue, we hope they will agree to reasonable requests to allow for true collaboration. For this process to work, it must start from a place of mutual understanding. We look forward to engaging with our Republican counterparts in such a manner.” (Press release)
In an interview with Politico, Rep. Tom Emmer (R-MN) said, “The Senate needed more time to work through market structure. They’ve just not been involved in this like the House. The House has been working on this particular bill for the last five years with the CLARITY Act. The best way to describe the situation, which the White House understands, is having GENIUS without a regulatory market structure bill like CLARITY, is like having a cell phone without cell towers. It just, you got to have both to make the system work. I think the Senate’s doing a good job of working through it. What we’re hearing is that the Senate’s going to mark up their version sometime this month, that the Senate Agriculture Committee will put out whatever they’re going to do; they’re part of it. Sometime in October, they expect to move it through committee, and we are hopeful that there’s going to be a vote before the end of the year.” (Politico)
Let us know if you have a favourite exchange who should power their inheritance using Vault12 (for less than a dollar a day). Don’t forget to send a message to your crypto platform provider, recommending Vault12.
And for our competitors, we’ve been doing this for ten years, you might copy or replicate our capabilities, but you certainly don’t have the strength in depth, nor the privacy protection to ensure digital assets can be safely passed on to future generations. We know, we’ve checked. Happy to license.
*NEW* Promo Codes for Vault12 Guard
The promo codes for iOS are good for a 1 year subscription at no cost, then will revert to standard price for the Inheritance plan. iOS codes can be redeemed in the Apple App Store.
The promo codes for Android are good for 90 days subscription at no cost, then will revert to standard price for the Inheritance plan. Android codes are redeemed when selecting and paying for the Inheritance plan in the app.
See instructions for how to redeem here.
Code: NL0525
iOS: https://apps.apple.com/redeem?ctx=offercodes&id=1451596986&code=NL0525
Android: Enter code NL0525 when you select the Inheritance plan
| Vault12 Guard iOS | Vault12 Guard Android
Panels & Podcasts:
Digital Commonwealth Summit: How the shift in US policy and regulation is reshaping Digital Assets
Genzio Podcast: Crypto Inheritance and Quantum safe encryption
Vault12 Guard Product Update
September 2025 - Version 2.7.1
Improved connections: Network communication with cryptographic relays is now more resilient than ever.
Zoom Asset previews: Image assets support pinch-to-zoom for detailed inspection.
Various bug fixes and performance improvements.
In prior releases we have removed the Free plan - anyone who wants to try the product can do so with either the Backup or Inheritance plans, and we have also been liberally distributing promo codes. Guardians will always be free forever and free to experiment with their own Vaults, with their own Guardian plan - no changes there.
*** Those of you using the product - we are creating a strategy guide for how to pick Guardians, who, how many, where, why etc…. you’ve probably grappled with this yourself - we’d like to hear from you - send us a message or post in our thread on Discord, or you can message us on X (@Vault12Guard)
All product updates | Release Notes | Vault12 Guard iOS | Vault12 Guard Android
New to Crypto Inheritance? Start here.
What do you need to know about Decentralized Finance (DeFI)?
A lot of solutions make a big deal about protecting your digital assets - but they often cannot deal with one of the most important and growing categories of assets - DeFi or staked assets. Staked crypto needs inheritance too!
What happens to your Crypto when you die?
The very first thing to know is, if you don’t plan ahead, you will lose all that crypto. Once you start planning, you will be faced with a number of decisions on how best to plan and manage your crypto inheritance. Here’s our three step guide:
Bonus for Our Loyal Subscribers
If you’re on iOS, you can snag a free year. On Android? 90 days free. Promo codes have been flying around in our recent podcasts and panels, but here’s one just for you, dear reader: NL0525 – grab it now with our guide: “How to Claim Your Vault12 Guard Promo Codes for iOS and Android”.