One-Liner
A consumer platform that inventories a person's 30–100 active digital and financial accounts while alive, encrypts closure instructions, and at triggering releases a jurisdiction-specific, form-filled closure package to the executor — replacing 6–14 months of manual institution-by-institution work.
AI Thinking Process
Every person in US/EU dies with 30–100 active online accounts. Executor spends 6–14 months calling institutions. Probate lawyers charge $300–$500/hour. No software product auto-executes closure.
Scale Shift: probate closure workflow ($15K–$40K/estate via probate lawyers) → consumer-facing tool that pre-inventories accounts and releases closure packages at triggering.
Everplans (since 2011), Trustworthy ($17M Series A 2023), Nolo DIY toolkit — occupy vault layer. The active-closure-execution layer (filling/delivering forms) is a real gap.
Accuracy-cliff test: closure documents are jurisdiction-specific and institution-specific. Getting this wrong means family resubmits three times. An AI-generated closure document held to higher standard than a human's.
If 10% of AI-generated closure documents get rejected, product reputation dies on Reddit in a month. Accuracy-cliff business historically kills small consumer tools in regulated-document space.
Pivot to probate-attorney tool. Attorney reviews every output; attorney liability absorbs accuracy risk.
Attorney pivot converges with Wealth.com, Vanilla, Trust & Will for attorneys, LawVu. Multiple occupied. Probate lawyers: notorious laggards in software adoption.
Killed — original fails on accuracy cliff; pivot fails on incumbent density plus lawyer adoption lag.
Resurrection: bank-side death claims workflow accelerator — sell to bank death-claims processing teams. Conviction 34%.
Tried: bank-side death claims workflow accelerator. Reason: institutional death-claims back-office already consolidated under Fiserv/BNY-Pershing vendors.
Kill Reason
Everplans (since 2011), Trustworthy ($17M Series A 2023), and Nolo occupy the consumer vault layer. The closure-execution angle (actually filling and delivering state-specific forms at triggering) fails an accuracy-cliff test: 10% rejected documents would destroy the product's reputation via Reddit. The attorney-tool pivot converges with Wealth.com, Vanilla, Trust & Will for attorneys — all occupied — and probate lawyers are notorious software laggards.
Risk Analysis
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