01Phone lost or stolen Your phone is lost, broken, or stolen.
The mobile key goes with it — but it never held funds alone. Install Coinhost on a new phone, pair your hardware wallet, and our recovery key signs alongside it after the cooling period. A new mobile key is generated; the old one is retired.
✓ Funds safe. Hardware + recovery co-sign the replacement.
02Hardware wallet lost Your hardware wallet is missing.
Its PIN and passphrase stop anyone who finds it. Even unlocked, one key is not enough. Order a replacement, pair it through the bridge, and rotate keys with your mobile key plus our recovery key — funds sweep to a new vault using fresh keys.
✓ Funds safe. Mobile + recovery co-sign the rotation.
03Coinhost goes away Coinhost is shut down, breached, or acquired.
You still hold two keys — and two keys are the full wallet. Export the vault descriptor from the app (or the monthly copy we send to your email) and open it in Sparrow, Electrum, or Specter. You can spend from there with no involvement from us.
✓ Funds safe. Your two keys are a complete wallet.
04Coercion Someone is forcing you to move funds.
Tap Emergency Lockdown: every vault freezes for 72 hours, with early unlock gated by a further 48-hour delay and your security questions. The 7-day recovery window means nothing can be forced through quickly, and every participant on the vault is alerted.
✓ Time is on your side. Nothing moves fast. By design.