Who actually controls your wealth?
Count the people between you and your assets.
Nearly every asset has counterparties: banks, custodians, fund managers, governments, etc.
Counterparties can freeze, lose, dilute, tax or delay what you think you own.
Skip to the toolThe Counterparty Ladder ranks how many people and institutions stand between you and your assets.
Each rung up removes counterparty control from the picture, ending with bitcoin bought privately and held in self-custody.
See where your money sits on the ladder.
Give an approximation of what share of your net worth sits where. No balances needed.
You'll get a clear picture of how many counterparties your money is exposed to.
Step 1
Split your net worth
Which sounds most like you?
Presets are rough starting points. Adjust the numbers to match you.
What we measure
Six ways control can slip away.
- Government seizure or freeze
- Custodian hack or insolvency
- Your own key loss
- Inheritance failure
- Identity exposure
- Paper claim vs real coin
Educational only, not financial, legal or tax advice. The Bitcoin IRA scenario is a hypothetical you control, not a recommendation to buy bitcoin or to open, fund, convert or roll over an IRA. Bitcoin is volatile and can lose substantial value. IRA eligibility, contribution limits, rollover options and tax treatment depend on your circumstances.