Bitcoin Custody: Collaborative Multisig & Institutional Custodians
Collaborative custody puts your Bitcoin in a 2-of-3 multisig where you hold two keys and a company holds one, so no single lost key or single company can move your coins. US providers include Unchained and Casa (each about $250 per year), Nunchuk, Theya, AnchorWatch (with insurance), and Onramp. Institutions and high-net-worth clients use qualified custodians such as Coinbase Prime, BitGo, Fidelity Digital Assets, Anchorage Digital, and Fireblocks. Last verified September 2026. Listings are neutral and unranked; not financial advice.
Custody: 12 listings
- Unchained — Collaborative 2-of-3 vaults, IRA, loans, and trading desk in one platform. Concierge onboarding. collaborative custody, Bitcoin-only. Pricing: ~$250/yr for Signature vault membership.
- Casa — App-first multisig with 2-of-3 and 3-of-5 setups, inheritance, and key-recovery support. collaborative custody, multi-asset. Pricing: ~$250/yr Standard; higher tiers for 3-of-5 and inheritance.
- Nunchuk — Open-source multisig wallet with optional co-signing and inheritance services. collaborative custody, Bitcoin-only, open source. Pricing: Free wallet; paid plans for assisted custody.
- Theya — Mobile-first collaborative custody built for simplicity; keys on your phones and hardware. collaborative custody, Bitcoin-only.
- AnchorWatch — Multisig custody with Lloyd's of London insurance built in (Trident vault). collaborative custody, Bitcoin-only. Pricing: Insurance-priced; ~$250K minimum.
- Onramp — Multi-institution custody: three independent custodians each hold one key of a 2-of-3. collaborative custody, Bitcoin-only.
- Coinbase Prime — Institutional custody, trading, and financing; custodian for most US spot Bitcoin ETFs. custodial, multi-asset.
- BitGo — Qualified custodian with multisig, insurance, and settlement network. custodial, multi-asset.
- Fidelity Digital Assets — Institutional custody and execution from Fidelity; custodian for FBTC. custodial, multi-asset.
- Anchorage Digital — Federally chartered digital asset bank offering custody and staking. custodial, multi-asset.
- Fireblocks — MPC wallet infrastructure and treasury tooling for enterprises. custodial, multi-asset.
- Digital Trust (formerly Kingdom Trust) — Self-directed IRA custodian that also holds digital assets. custodial, multi-asset. Changed: Rebranded from Kingdom Trust.
Frequently asked questions
What is collaborative custody?
A multisig arrangement, usually 2-of-3, where you control two keys and a company holds the third. You can always spend with your two keys; the company key only helps if you lose one. The company alone can never move your Bitcoin.
Unchained vs Casa: what is the difference?
Both charge about $250 per year for a 2-of-3 vault. Unchained is Bitcoin-only and adds IRA, loans, and an OTC desk; Casa is app-first, supports 3-of-5 and other assets, and emphasizes mobile key management and inheritance.
Do I need an institutional custodian?
Only if you are a fund, company, trust, or advisor with regulatory requirements. Individuals are usually better served by a hardware wallet or collaborative custody, which keeps keys in their own hands.
Links
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