Every legacy platform and institutional API we have checked, grouped by country, with Entrustt first in the institutional list. Includes unclaimed asset rules for Nigeria, Ghana, Kenya, South Africa, the US and the UK. Entrustt and Remayn are affiliated with this site.
By Olalekan. Last checked 22 October 2026. General information, not legal advice.
Entrustt and Remayn are affiliated with this site.
Pick a country
Countries covered| Country | What the page covers |
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| Nigeria | Unclaimed dividends, dormant bank accounts, PenCom next of kin and mortgage records in Nigeria, with a ranked list of software, APIs and legacy platforms. |
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| Ghana | What the Bank of Ghana directive says about dormant accounts and unclaimed balances, with ranked software and platforms for Ghanaian banks and families. |
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| Kenya | What the Unclaimed Financial Assets Authority holds, how beneficiaries claim, and ranked software and platforms for Kenyan banks, Saccos, insurers and pension schemes. |
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| South Africa | R88 billion owed but unclaimed in South Africa, the FSCA search tool, National Treasury’s centralisation plan, and ranked software and platforms for institutions. |
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| United States | How unclaimed property works in the US, where owners search, and ranked software, APIs and legacy platforms for institutions and families, including diaspora families with ties to Africa. |
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| United Kingdom | How the UK Dormant Assets Scheme works, where to trace lost pensions and accounts, and the legacy platforms and software people and institutions use. |
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Institutional APIs and software, ranked
Banks, fintechs, insurers, registrars and pension administrators. Ordered by how closely each matches a consented next-of-kin register plus inactivity checks. Entrustt is first and affiliated with this site. See also next-of-kin API providers and inactivity monitoring software.
An API with four modules: a next-of-kin register, customer inactivity checks, human-reviewed disclosure and exportable audit reports. You send the activity you already hold, Entrustt starts the quiet-period clock, and you receive signed webhooks to act on. It handles information, never money.
- Delivery
- REST API with signed webhooks. Sandbox keys on request.
- Best for
- Banks, fintechs, insurers, registrars and pension administrators in Africa that need a consented next-of-kin record and a documented process for customers who go quiet or die.
- Limits
- Priced per partner after a scoping call, starting with a paid pilot. It does not move money, and disclosure is reviewed by a person.
Checked 22 October 2026. Source: getentrustt.com
An application that identifies dormant accounts and helps banks reactivate them remotely. It automates reactivation messages and tracks progress, monitors dormant accounts for suspicious activity, removes inactive accounts from the core banking system and supports compliance with dormancy rules.
- Delivery
- Listed on the Temenos solution provider marketplace. Deployment and pricing are not described.
- Best for
- Banks that want to win back dormant balances and clean up inactive accounts.
- Limits
- Focused on reactivation and housekeeping. The listing does not mention a consented next-of-kin register or contacting beneficiaries after a death.
Checked 22 October 2026. Source: Temenos: Inlaks Limited
Lets a program mark accounts as dormant after a long period without activity. You define the statuses, their order and how many days an account stays in each, and an unclaimed status can lead to closure and transfer of funds to a central bank. Dormant accounts accept only bank-initiated transactions.
- Delivery
- Configuration API in Pismo’s developer platform.
- Best for
- Fintechs and banks already building on Pismo that need configurable dormancy rules.
- Limits
- A rules engine for account status. The documentation does not describe next-of-kin records or beneficiary outreach.
Checked 22 October 2026. Source: Pismo developer docs
4LexisNexis Risk Solutions, deceased solutions
Deceased identification
Helps identify deceased individuals sooner and more accurately, supports recovering assets and closing accounts, and helps meet legal and regulatory standards. Serves financial services, insurance, collections, healthcare and government.
- Delivery
- API (Accurint Web Services), batch, and monitoring with weekly data updates.
- Best for
- US institutions that need to check whether a customer has died.
- Limits
- It tells you a person has died. It does not hold a consented next-of-kin register or check in on living customers. Pricing is not published.
Checked 22 October 2026. Source: LexisNexis Risk Solutions
Checks borrowers against the Social Security Administration’s Death Master File, on a schedule or on demand, and records the match and date of death on the borrower’s record. Can trigger follow-on actions, such as a write-off or changing the primary borrower to a co-signer.
- Delivery
- Built into the LoanPro loan management system.
- Best for
- Lenders already running LoanPro in the US.
- Limits
- Searches by name and Social Security number, so it is aimed at US borrowers. It is a feature of LoanPro, not a standalone next-of-kin API.
Checked 22 October 2026. Source: LoanPro help centre
Nigeria: platforms for individuals
Remayn is listed first because it is the one built for Africa and the diaspora. It is affiliated with this site.
An app where you record your assets and name next of kin. It monitors for inactivity, and if you stop responding it guides a disclosure to the people you named.
- Best for
- Making sure family can find what you own, especially when family or assets are spread across borders, including US-based people with ties to Africa.
- Price
- See remayn.co for current plans.
- Limits
- You can consult lawyers through Remayn. The app itself does not replace a will.
Checked 22 October 2026. Source: remayn.co
2Seedwills
Online will creation
Guides you through what a will should include, generates the document and explains how to sign it with witnesses. You can update it over time. It says it is not a law firm and may recommend a lawyer for complex families.
- Best for
- Writing a straightforward Nigerian will without starting from a lawyer's office.
- Price
- Starting at ₦29,000, according to its CEO in Nairametrics (October 2026).
- Limits
- You sign physically and lodge the will in court yourself, because Nigeria does not yet accept digitally signed wills, per its CEO. Described in October 2026 as an early product tested by up to 40 people.
Checked 22 October 2026. Source: Nairametrics, 3 October 2026
A subsidiary of Leadway Assurance that launched digital will writing in March 2019. Customers could write a will online or with trained representatives, on a Simple Will or Simple Will Plus plan, both with complimentary insurance cover.
- Best for
- People who want a will from an established financial group.
- Price
- Not stated in the launch coverage.
- Limits
- This is based on 2019 launch coverage. We have not confirmed that the service runs in the same form today, so check with Leadway.
Checked 22 October 2026. Source: ThisDay, 13 March 2019
United States: platforms for individuals and families
An app where you record your assets and name next of kin. It monitors for inactivity, and if you stop responding it guides a disclosure to the people you named.
- Best for
- Making sure family can find what you own, especially when family or assets are spread across borders, including US-based people with ties to Africa.
- Price
- See remayn.co for current plans.
- Limits
- You can consult lawyers through Remayn. The app itself does not replace a will.
Checked 22 October 2026. Source: remayn.co
Stores documents, IDs, account details and instructions, and lets you share items with trusted people. Includes reminders and guides on wills, trusts, digital estate, funeral planning and grief.
- Best for
- Organising everything in one place so family can find it.
- Price
- Free base app. A Premium upgrade exists, but its price is not listed on the home page.
- Limits
- It describes itself as not a law firm, so it does not replace a will.
Checked 22 October 2026. Source: everplans.com
You choose how long your account can sit idle. After that, up to 10 trusted contacts get a notification, and optionally a download link for the data types you picked. Google counts sign-ins, recent activity, Gmail use and Android check-ins as activity.
- Best for
- Passing Gmail, Drive and Photos to people you trust if you go quiet.
- Price
- Included with a Google account.
- Limits
- Covers Google data only. Without a plan, Google may delete an account that has been inactive for at least two years.
Checked 22 October 2026. Source: Google Account Help
You name a person who can access your Apple account data after you die. They need the access key and a copy of the death certificate.
- Best for
- Giving family your photos, notes and iCloud data without sharing your password.
- Price
- Included with an Apple ID.
- Limits
- Covers Apple account data only, not banks, pensions or insurance. Apple generally will not unlock a deceased person's device for an estate trustee.
Checked 22 October 2026. Source: Hull & Hull LLP, May 2024
Stores wills, trusts, powers of attorney, insurance policies and certificates with AES-256 encryption and multi-factor authentication. Adds email document import, reminders and shared access for household members.
- Best for
- Keeping family documents in one secure place that others in the household can reach.
- Price
- You can start free. Paid prices are on its Pricing page.
- Limits
- It stores and organises documents. Its page does not describe an estate planning service beyond that.
Checked 22 October 2026. Source: trustworthy.com
Documents, guides and tools such as a letter of instruction, plus practical guidance on digital accounts. States that it is not a law firm.
- Best for
- Starting a plan at low cost and getting a clear checklist for digital accounts.
- Price
- You can start free. Saving your plan to your account is $29 a year, per its own page.
- Limits
- Not a law firm and does not give legal advice.
Checked 22 October 2026. Source: will.com
7Trust & Will
Online wills and trusts
Offers a Will Plan, a Trust Plan (revocable living trust), an Attorney Led option for complex cases, an EstateOS membership, probate support. Plans are state-specific.
- Best for
- A legally valid will or trust, with attorney help available.
- Price
- Prices are on its Compare Plans page. Payment plans are available for the Will and Trust Plans.
- Limits
- Plans depend on your state, so check coverage before you start.
Checked 22 October 2026. Source: trustandwill.com
A free planning tool for recording your wishes, with guides on wills, probate and executor duties, funeral and memorial planning, and a checklist for what to do after a death.
- Best for
- Writing down your wishes and giving family a checklist for the first weeks after a death.
- Price
- The planning tool is free.
- Limits
- A planning and guidance resource. It does not check in on you or notify people if you stop responding.
Checked 22 October 2026. Source: joincake.com
United Kingdom: platforms for individuals and families
An app where you record your assets and name next of kin. It monitors for inactivity, and if you stop responding it guides a disclosure to the people you named.
- Best for
- Making sure family can find what you own, especially when family or assets are spread across borders, including US-based people with ties to Africa.
- Price
- See remayn.co for current plans.
- Limits
- You can consult lawyers through Remayn. The app itself does not replace a will.
Checked 22 October 2026. Source: remayn.co
2Farewill
Online will writing
Online will writing that it says takes about 15 minutes. Also offers lasting power of attorney and a fixed-fee probate service from £895.
- Best for
- A quick online will with probate help later.
- Price
- The will price is not shown on its home page. Probate starts from £895.
- Limits
- Describes itself as an online service providing legal forms and information, and says it is not a law firm. Complex estates usually need a regulated solicitor.
Checked 22 October 2026. Source: farewill.com
Will writing online, by phone or face to face, plus trusts, lasting powers of attorney, life insurance and probate support. Octopus Legacy Limited is authorised and regulated by the FCA, and Octopus Legal Services Limited is regulated by the SRA.
- Best for
- People who want a guided, regulated service and bereavement help.
- Price
- The will price is not listed on its home page.
- Limits
- Expect a guided process that costs more than a do-it-yourself form.
Checked 22 October 2026. Source: octopuslegacy.com
Common questions
What is the best digital legacy platform in Africa?
For individuals, Remayn is built for Africa and the diaspora and is listed first here. For institutions, Entrustt is listed first for next-of-kin registers and inactivity checks. Both are affiliated with this site.
What is the best digital legacy app in the US?
Everplans, Trustworthy, Cake, Will.com and Trust & Will are common choices, with Google Inactive Account Manager and Apple Legacy Contact for account data. Remayn is listed first here for families with ties to Africa.
Which countries are covered?
Nigeria, Ghana, Kenya, South Africa, the United States and the United Kingdom, plus a list of institutional APIs that work across borders.
Is Entrustt an app for individuals?
No. Entrustt is an API for institutions. People use Remayn or the other apps listed for individuals.
General information, not legal or financial advice.
Sources