Maybe a service like "Crypto from the Crypt" that would be set up by the currency holder and in the event of a large period of inactivity send them a notice that if they did not take action, their crypto would be converted back to fiat and sent to their bank account if one was associated with the account - or have lengthy inactivity trigger emails that when not responded to within a certain period of time (therefore assuming the person has decease), send a pre-made email and instructions form the account holder to their heirs with detailed instructions on how to claim the accounts.
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i think the second suggestion you raised is a good one. but the "crypto from the crypt" option i wouldn't be comfortable with coz it involves the bank. depending on the large period of inactivity before conversion and sending to bank something might happen that lets the bank claim it. i am not sure here but i think after the next of kin what is in a deceased bank account, the account is closed, what if this happens before the large period of inactivity?