The Rise of Digital Financial Assets and Its Impact on Inheritance in Japan

In a rapidly evolving digital landscape, the issue of inheritance has taken on new dimensions, especially with the rise of digital financial assets. A recent survey conducted by GOODREI, a Tokyo-based company specializing in digital asset recovery and organization, has shed light on a troubling trend: only 45% of heirs were informed about the existence of their deceased relatives' digital financial assets before their passing. This statistic raises significant concerns about how digital assets complicate the inheritance process, placing additional burdens on families during an already challenging time.

Survey Background: The Complexity of Hidden Digital Assets

The survey, titled "Inheritance Reality Survey 2025," was conducted on those who have experienced inheriting digital financial assets. In recent years, various forms of digital financial assets—such as internet banking, online securities, and cryptocurrencies—have become more prevalent. While these assets offer convenience, the lack of physical documentation leaves many heirs unaware of their existence. Accessing these assets is further hampered if the deceased left no record of passwords or IDs, exacerbating the issue during inheritance proceedings. Recognizing these societal challenges, GOODREI aims to highlight the realities faced by families and promote strategies for smoother inheritances through this research.

Summary of Findings: The Difficulties of Digital Inheritance

- Only 45% of respondents reported knowing about the deceased's digital financial assets, with 55% entering the inheritance process without this crucial information.
- For those unaware of the digital assets, most discovered them through mail or computer histories (40%). Only 26% had documented information stored in wills or ending notes, indicating a lack of preemptive organization.
- Many reported that the process of inheriting digital financial assets took longer than expected, causing considerable stress and complications.
- Families expressed that they wished their deceased relatives had engaged in activities like personal digital decluttering alongside more traditional preparations like funerals.

Expert Commentary: The Legal Perspective on Digital Assets

Lawyer Kiyohisa Tsubouchi emphasized the importance of clear asset communication among heirs, especially regarding digital financial assets. He warned that a lack of information often leads to lengthy inheritance processes, increasing the risk of overlooking assets. He stressed the need for careful handling of sensitive information such as IDs and passwords, underscoring that creating clear records in advance, whether through wills or ending notes, can significantly alleviate the burden on the heirs. As digital assets become commonplace, it is crucial that individuals proactively prepare to ensure a smoother inheritance process.

Detailed Survey Results: The Current Reality of Digital Assets

1. Sharing of Information Regarding Digital Finance: 55% Left in the Dark

The survey revealed that more than half of the respondents were unaware of the existence of digital financial assets, indicating a crucial gap in communication. When asked how they discovered unknown digital assets, respondents mentioned mail or electronic devices as the primary source of information.

2. Acquiring IDs and Passwords: The Role of Ending Notes

The path to obtaining necessary authentication for digital assets often leads back to ending notes, as most respondents indicated this was the primary method of obtaining ID and password information. The data highlights the necessity for individuals to recognize the importance of digital asset management before passing.

3. Challenges Faced During the Inheritance Process: Unexpected Delays

Among the hurdles in the inheritance of digital assets, respondents predominantly cited the extended time it took to address these matters as the most significant issue, revealing a gap in asset visibility and knowledge.

4. Preparations Desired Before Passing: Personal Organization Requests

When reflecting on what they wished their loved ones had addressed prior to passing, not only did respondents prioritize traditional matters like funeral wishes but also strongly emphasized the need for personal decluttering—covering both physical and digital assets. This reflects a deep desire among heirs to honor their loved ones' preferences while navigating the complexities of both physical and digital possessions.

Conclusion: Ensuring a Smooth Transition for Digital Assets

The findings of this survey present a critical understanding of digital financial assets in the landscape of modern inheritance. The awareness and preparation surrounding these assets continue to lag, leading to significant challenges for heirs. Utilizing tools like ending notes and making wills can bridge this gap, ultimately facilitating smoother inheritance experiences. GOODREI is committed to continuing this important dialogue, ensuring families can confidently pass on their digital legacies without complications.

Survey Overview

- Purpose: To visualize issues and realities surrounding the inheritance of digital financial assets.
- Date: August 2025
- Methodology: Web survey of 365 individuals who have experienced inheriting assets in the past five years.
- Average Respondent Age: 46 years; Gender Ratio: 60% Male, 40% Female.

About GOODREI

GOODREI specializes in digital asset recovery and estate management, including cryptocurrencies. They are dedicated to addressing the increasing need for secured digital asset inheritance among families. For further inquiries and support, visit GOODREI's website.