"Digital assets are becoming an increasingly significant component of personal wealth, yet they present estate planners with risks that differ fundamentally from traditional property. The defining feature of cryptocurrency is decentralisation. There is usually no central authority capable of restoring access if login credentials, private keys or recovery phrases are lost. If this information dies with the owner, the asset may effectively cease to exist in practical terms, regardless of its theoretical legal status. Estimates suggest that a significant proportion of cryptocurrency in circulation is already inaccessible due to lost credentials."