Casa vs Unchained: collaborative custody, compared
Both put your bitcoin in a 2-of-3 multisig where they hold one key and you hold the rest. The difference is flavor: product polish vs concierge finance.
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Unchained★★★★★
BEST COLLABORATIVE CUSTODY
Concierge onboarding, inheritance, loans, and an IRA on the same vault. The full-service option.
Talk to Unchained →
Casa★★★★☆
SMOOTHEST MULTISIG APP
Phone-as-a-key, guided health checks, the best multisig app UX in the business, 3-of-5 tier for big holdings.
Start with Casa →
Side by side
Pricing from provider sites, JUL 2026 — re-verify before signing up. BTC LIVE
Category winners
Software experienceCASA
Human support and onboardingUNCHAINED
Very large holdings (3-of-5)CASA
Retirement accounts on the same railsUNCHAINED
Avoiding KYC entirelyNEITHER — SEE NUNCHUK
OUR VERDICT
Common questions
Can either company take my bitcoin?
No — each holds one key of three; spending needs two. You can always move funds with your own two keys, without their cooperation.
What if the company shuts down?
Both models are designed to survive the provider: your two keys sweep the funds to a new wallet.
Is $250/yr worth it?
On a $10k stack, probably not — a single hardware wallet is fine. When loss would change your family’s life, a tested process with a backstop is cheap insurance.