InheritX

Programmable, Fiat‑Native Digital Inheritance Infrastructure on Stellar

InheritX is a programmable, cross‑border inheritance and asset succession built on the Stellar network using Soroban smart contracts. It enables individuals and organizations to securely lock digital assets and automatically transfer them to beneficiaries when predefined real‑world conditions are met, with settlement directly to local bank accounts or mobile money via Stellar anchors.

InheritX transforms inheritance from a slow, manual, and legally opaque process into a transparent, automated, and globally accessible financial lifecycle primitive.

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🌍 Why InheritX Exists

Inheritance today faces deep structural challenges:

• Assets are locked in legal and bureaucratic processes for months or years

• Cross‑border inheritance is expensive, slow, and unclear

• Existing crypto inheritance tools are:

  • Volatile and token‑speculative
  • Crypto‑native only
  • Not fiat‑settled or compliance‑aware

• Beneficiaries often lack crypto literacy or access to wallets

There is no global, programmable, fiat‑native inheritance infrastructure.

InheritX fills this gap on Stellar.

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🧠 What InheritX Is (and Is Not)

InheritX is:

• Lifecycle financial infrastructure
• Fiat‑native and stablecoin‑based
• Non‑custodial and programmable
• Designed for real‑world settlement

InheritX is NOT:

• A DeFi yield or speculation protocol
• A volatile, token‑only inheritance tool

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✨ Core Capabilities (MVP)

1. Inheritance Plan Creation

• Create an inheritance plan on‑chain
• Select asset types (USDC on Stellar)
• Define beneficiaries and allocation percentages
• Assign optional guardians

2. Asset Locking

• Assets are deposited into a Soroban‑controlled vault
• Funds are non‑custodial and programmatically restricted
• Owner cannot withdraw unless unlock conditions are met

3. Trigger Conditions

Supported triggers in MVP:

• Time‑based (e.g., after X years)
• Proof‑of‑life failure (missed periodic check‑ins)

Triggers are evaluated on‑chain or via trusted off‑chain attestations.

4. Beneficiary Settlement

• Assets are released automatically when triggers are satisfied

• Beneficiaries can:

  • Withdraw to Stellar wallets
  • Redeem directly to local fiat via Stellar anchors

• Supports bank accounts and mobile money

5. Auditability & Transparency

Immutable on‑chain records of:

• Plan creation
• Asset locking
• Trigger execution
• Beneficiary payouts

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🎯 Target Users

Primary Users

• Diaspora individuals with cross‑border assets
• Families planning estate transfers
• SMEs and founders planning business succession

Secondary Users

• Legal professionals and trustees
• Estate planners
• NGOs and cooperatives

Beneficiaries

• Non‑crypto‑native users
• Banked and underbanked individuals
• Mobile money users

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🏗 Technical Architecture

On‑Chain (Soroban)

• Inheritance Vault Contract – locks and releases assets
• Beneficiary Allocation Contract – manages distribution logic
• Trigger Evaluation Contract – enforces conditions

Off‑Chain

• Web dashboard (plan creation & monitoring)
• Notification & proof‑of‑life reminder system
• Anchor integration services
• Compliance metadata & document storage

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🤝 Contributing

Contributions are welcome.

• Clone the repository

git clone https://github.com/Fracverse/InheritX

• Navigate into the project directory

cd InheritX

• Deploy Smart Contracts Make sure you have an identity set up with stellar-cli.

# Add identity via secret key if you haven't
stellar keys add deployer 

# Run the deployment script (defaults to testnet)
./scripts/deploy.sh --admin deployer

# Or specify network explicitly
./scripts/deploy.sh --network mainnet --admin deployer

• Install dependencies

npm install

• Start the development server

npm run dev

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🔐 Security Model

• Fully non‑custodial asset control
• Explicit and auditable state transitions
• No reentrancy or hidden execution paths
• Upgradeability governed by protocol governance

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💸 Pricing Model

• 0% fee on plan creation
• 1% fee on plan modification
• 2% fee on successful inheritance execution

Fees are deducted only at settlement.

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📊 Success Metrics (KPIs)

• Number of inheritance plans created
• Total Value Locked (TVL)
• Successful settlements executed
• Average settlement time
• Anchor payout success rate

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🛣 Roadmap

Phase 1 – MVP

• Stellar testnet deployment
• USDC‑based inheritance plans
• Time & guardian triggers
• Manual anchor payout

Phase 2 – Expansion

• Multi‑currency support
• Automated anchor settlement
• Jurisdiction & compliance tagging

Phase 3 – Institutional

• Legal & estate partnerships
• Enterprise dashboards
• White‑label offerings

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🔮 Long‑Term Vision

InheritX aims to become the global standard for programmable, cross‑border inheritance — where value moves seamlessly from one generation to the next, without friction, borders, or uncertainty.

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Built on Stellar. Designed for the real world.