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        WALLETS/COMPARISON
      

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.

        BY THE BITCOIN ALMANACK TEAM·UPDATED JUL 2026·8 MIN READ·CONTAINS AFFILIATE LINKS
      

Unchained8.9

BEST COLLABORATIVE CUSTODY

Concierge onboarding, inheritance, loans, and an IRA on the same vault. The full-service option.

Talk to Unchained →

Casa8.8

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

            UNCHAINEDCASA
          

Entry priceFrom ~$250/yrFrom ~$250/yr

Quorum options2-of-32-of-3 · g:3-of-5

Phone as a keyNo — hardware onlyYes

Concierge onboardingWhite-glove, humanGuided in-app

Extra productsIRA · loans · tradingInheritance focus

InheritanceIncludedIncluded (paid tiers)

KYC requiredYesYes

Pricing from provider sites, JUL 2026 — re-verify before signing up. BTC {{ price }}

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

Pick Unchained if you want humans shepherding a large rollover, an IRA, or loans against the same vault. Pick Casa if you want the slickest app and your phone as a working key. Both beat an untested DIY multisig; if privacy from institutions is the point, Nunchuk is the third path.

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.

SCORES AT A GLANCE

Unchained8.9

Casa8.8

Full Unchained review → Full Casa review →

HOW WE TESTED

Onboarding flows, key ceremonies, and recovery paths tested on both platforms; pricing and inheritance terms verified against published schedules. Our methodology →

Prefer no company at all?

Nunchuk does family-grade multisig with no forced third-party key and no KYC.

Read the Nunchuk review →