Investor Deck · May 2026 · Version 2.0
🔐
✦ Now powered by AI
India's wealth deserves
a safe, intelligent passage.
WillVault is an end-to-end encrypted, AI-powered digital will and estate planning platform — the first zero-knowledge solution built for India, designed to scale globally.
₹80,000Cr+
Unclaimed assets in India
70%
Indians die without a will
500M+
Bank account holders
0
True zero-knowledge competitors
The Problem
A broken system leaves
families stranded.
⚠️
70% of Indians die intestate — prolonged legal disputes destroy families and drain estates for years
🔓
Existing platforms store data in plaintext — the platform operator can read your most sensitive financial details
❓
Nominees have no idea where assets are held — ₹80,000+ crore sits unclaimed because families simply can't find it
🤖
Will creation is intimidating and time-consuming — no platform uses AI to guide users conversationally through the process
The Solution
A cryptographic estate OS,
supercharged by AI.
🔐
Zero-knowledge encryption
AES-256-GCM. Keys never leave the device. WillVault servers see only ciphertext — always.
🗝️
Shamir's Secret Sharing
Master key split across nominees, lawyer, trusted contacts & escrow. No single party unlocks alone.
🤖
AI will wizard
Conversational AI builds your will from a chat. No forms. Auto-populates assets, flags gaps, suggests fixes.
💀
4-layer death verification
Dead man's switch → trusted contacts → DigiLocker death cert → WillVault legal AI review.
AI Intelligence Layer
Seven AI features no
competitor has built.
New
💬
Conversational will wizard
Chat-based will creation — "Tell me about your family" builds the full will structure automatically
New
📄
Asset discovery AI
Upload bank statements or portfolio PDFs — AI auto-populates every asset field instantly
New
⚡
Nominee mismatch detector
"Your LIC nominee is your mother but your will says your spouse — update?" Real-time alerts.
New
📊
Estate gap analyzer
"You have ₹45L in equity but no term cover — your family is underprotected." Proactive nudges.
New
🏛️
Death certificate AI
OCR + AI validates death certificates from any Indian state format automatically
New
📋
Claim kit generator
AI auto-generates every document needed to file claims across all assets — ready in minutes
AI in action
Creating a will used to take
weeks. Now it takes minutes.
I want to create my will. I have a flat in Bengaluru, mutual funds in Zerodha, and two kids.
✦ WillVault AI
Got it! I found your flat at Survey No. 142, Indiranagar — estimated ₹1.2Cr. I also detected 3 mutual fund folios from your Zerodha statement. Shall I assign 50% each to your children as primary beneficiaries?
Yes. Also add my wife as executor.
✦ WillVault AI
Done. I also noticed your LIC policy nominee is your father — but your will now names your wife. Want me to flag this mismatch? Your estate gap: no term insurance detected for ₹1.8Cr total assets. I can suggest coverage.
Why WillVault wins
Security + AI. No competitor
has both.
Yellow / WillJini
✗ Zero-knowledge E2EE
✗ Shamir's Secret Sharing
✗ Death verification pipeline
✗ AI will wizard
✗ Asset discovery AI
✓ India market presence
WillVault UsAI
✓ Zero-knowledge E2EE
✓ Shamir's Secret Sharing
✓ 4-layer death verification
✓ AI will wizard + 6 AI features
✓ Aadhaar / PAN / DigiLocker
✓ NRI + apostille flows
LegalZoom (Global)
✗ Zero-knowledge E2EE
✗ Shamir's Secret Sharing
✗ Death verification pipeline
✗ AI will wizard
✗ India integrations
✗ India legal compliance
Defensibility
Five moats that
compound over time.
🔐 Cryptographic trust
Zero-knowledge architecture is a promise competitors can't easily replicate
🤖 AI data flywheel
Every will created trains better gap detection, nominee alerts, and claim guidance — moat grows with scale
🏦 Partner network lock-in
White-label with HDFC, ICICI, Kotak + 2,000+ notaries creates deep switching costs
📊 Verified death signal
Unique B2B data layer — death signal to banks and insurers is irreplaceable at scale
⚖️ Regulatory depth
IT Act 2000, DPDP 2023, Succession Act 1925, ISO 27001 — 12+ months for any competitor to replicate
Business model
Seven revenue streams.
AI unlocks the eighth.
Bank white-label licences
₹10L–₹50L/yr per bank · High-value
Insurance referral commissions
10–20% first-year premium · Scalable
CA / RIA white-label seats
₹500–₹2,000/seat/month · Recurring
Claim facilitation fees
₹1,000–₹5,000/claim · Event-driven
AI estate advisory tier
₹4,999/yr premium · Emerging
Roadmap
Three phases. AI gets
smarter at every step.
Phase 1 · 0–12 months
Launch & validate
Bengaluru, Mumbai, Delhi
AI will wizard (v1)
Asset discovery AI
50 notary partners
DigiLocker integration
ISO 27001 certification
Phase 2 · 12–24 months
Scale & partner
All Tier-1 + Tier-2 cities
AI estate gap analyzer
Nominee mismatch AI live
500 notary partners
Bank white-label pilots
Insurance integrations
Phase 3 · 24–36 months
Dominate & expand
AI data flywheel mature
Claim kit AI generator
Fintech API (Zerodha/Groww)
2,000+ notary partners
NRI + global expansion
SOC 2 Type II
The Ask
Raising ₹2 Crore seed.
Working app. Real users next.
35%
AI & product — model integration, asset discovery, claim kit AI, estate analyzer
25%
Security infrastructure — HSM, audits, ISO 27001, penetration testing
25%
Team — CTO hire, legal officer, AI/ML engineer
15%
GTM — notary network, bank partnerships, first 1,000 paying users
MVP built solo using AI-assisted development. App live on device. Raising seed to harden security, ship AI features, and acquire first 1,000 paying users.
New Feature — Asset Recovery Engine
WillVault doesn't just protect your future wealth —
it recovers your forgotten wealth.
₹78,000 Cr
UDGAM (RBI)
Unclaimed bank deposits
₹14,000 Cr
Bima Bharosa (IRDAI)
Unclaimed insurance
₹3,000 Cr
MITRA (SEBI)
Dormant mutual funds
₹9,000 Cr
IEPFA (MCA)
Shares + dividends
WillVault AI searches all 4 portals simultaneously using PAN + Aadhaar
1
Search
PAN scan all 4 portals in one click
2
Discover
AI surfaces all unclaimed assets + values
3
Generate
Auto-fills IEPF-5, bank & insurance forms
4
Submit
Tracks status, flags rejections
5
Vault it
Assets added to will and secured
Revenue: 2–5% success fee on recovered amount · TAM: ₹1,600 Cr at 2% of ₹80,000 Cr pool
SEBI tailwind: DigiLocker for unclaimed assets proposed Dec 2024 — WillVault is ready
willvault.in · contact@willvault.in
Every Indian family deserves
to know their wealth is safe — and found.
WillVault is the only platform combining cryptographic zero-knowledge security, 4-layer death verification, and a full AI intelligence layer — built for India's 500 million families.
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