Claims

What happens during a claim

The sequence from the moment your heir opens a claim to the moment an estate transfers — and where you can still stop it.

3 min readUpdated 16 Aug 2026
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Claims are slow on purpose. There are three separate on-chain steps between "the timer ran out" and "the assets moved", with a waiting period in the middle.

The sequence

  1. 01

    The timer lapses

    Your last heartbeat is now older than your inactivity timer. Nothing happens automatically — this only means a claim has become possible. Opening the app here resets everything, as always.

  2. 02

    Your heir starts a claim

    A signed transaction from their confirmed wallet. The program checks the timer has genuinely elapsed and that they are the confirmed heir. Status becomes “challenge active”. Nothing has transferred.

  3. 03

    The challenge window runs

    Seven days by default. You are notified that a claim was started, and again shortly before the window closes. Any activity by you cancels the claim outright.

  4. 04

    The window closes

    If you have not appeared, your heir can finalize. This is a second signed transaction from them — the switch does not fire on its own.

  5. 05

    Finalization

    Status becomes finalized. Two things become possible: your heir can withdraw the deposited assets, and the Legacy Vault becomes readable to them.

  6. 06

    Withdrawal

    A further signed transaction moves the deposited assets to their wallet.

Nothing is automatic

Every step needs someone to sign something. A claim that nobody finalizes just sits there. This is why an heir who does not know they were named is a real failure mode — see choosing your heir.

You cannot watch a challenge run

There is no screen where an owner sits and watches the countdown. Unlocking the app checks the chain and cancels the claim within a second or two — the act of looking is the act of stopping it. What an owner actually sees is the notice that it has already been stopped, below.

The countdown is therefore an heir-side view. It is shown here so you know what is happening on the other side of it.

The challenge window counting down, as the heir sees it
A live claim, mid-challenge. Nothing has transferred yet, and any owner activity at all clears it. Captured on a deliberately shortened test timer.

What you see if you come back

Opening the app during any of this shows you what happened while you were away — whether the timer lapsed, whether a claim was started, and whether it finalized.

If a claim is live, cancelling is immediate and requires nothing more than being there. See cancelling a claim.

The while-you-were-away modal shown when the owner opens the app after a lapse or claim
Opening the app after a long silence tells you exactly what happened while you were gone. Captured on a deliberately shortened test timer, so the spans it quotes read in minutes rather than the usual months.

What your heir sees

Their side shows the same on-chain facts: your status, the countdown, and what they are able to do at each stage. They cannot see your vault contents, your balance outside the inheritance vault, or anything else private. See starting a claim.

What the program refuses

A claim before the timer elapses
Rejected
A claim by an unconfirmed heir
Rejected
A claim by anyone other than the named heir
Rejected
Finalizing before the window closes
Rejected
Withdrawing before finalization
Rejected
A second claim while one is active
Rejected

These are program constraints, checked on every attempt, not interface restrictions. There is no privileged caller who can skip them.

If it finalizes and you are alive

Finalization is treated as terminal so that a returning owner cannot strip an heir of what was already granted. There is a separate reclaim path for a genuine false trigger, available only after a grace period during which the heir could have withdrawn. See I missed my check-in.

Keep reading

Still stuck?

Tell us what you were doing and what you expected — never your recovery phrase, private key, or a vault passphrase. Nobody from Legacy Wallet will ever ask for those.

Opens a support ticket and emails you the link. We reply by email, usually within a couple of days.