Trillions of dollars are moving onchain. But the systems used for long-term wealth coordination — estate planning, inheritance distribution, beneficiary management, insurance coverage — were designed for traditional financial rails. They do not map cleanly to digital-native assets, global families, or self-custody. At the same time, self-custody without recovery introduces its own failure mode. Onchain infrastructure can solve both problems. But only if the underlying primitives are open. T4 Mr Haven V1 has been live on Base since December 2025: mrhaven.io Core contracts: VaultRouter 0x8C09a5f79e62D29BeB9d2FA710Ecc4cC17cdE842 PlanExecutor 0x244eA67F2FcaEBeEBeCdFF1cE45a9abB4918E02D EmailEscrowManager 0x2E3E2aC4F32A0eEe3b811D302fBB897f1E027b25 Verify the deployments on Basescan. Recompile from the v1.0.2 release tag. Bytecode is the proof. T5 Each user receives a dedicated personal vault. While assets remain time-locked, capital can earn yield through Aave V3. Distribution logic is governed by user-defined plans: • scheduled execution • inactivity-triggered execution • beneficiary-directed distribution Beneficiaries can be specified either by wallet address or by email using hash-locked escrow flows.

This isn’t “small model beats GPT-5.5.” It’s “encode the workflow, and dispatch becomes the bottleneck.” What’s still hard: anti-bot reputation, cross-site transfer, and durability over days.

This isn't "small local model beats GPT-5.5." It's "once the workflow is encoded, the dispatch path becomes the bottleneck." Hard problems remain, anti-bot reputation, cross-site transfer, production durability across days. The article names them.