# Vigil Protocol
> Family financial orchestration system for high-net-worth households. Built by Electric Solidus, Inc.

Vigil Protocol is a subscription service ($200/month, flat fee, no AUM) that ensures a household's financial life can continue without disruption when the primary financial decision-maker dies or becomes incapacitated. It is not estate planning software, a digital vault, or a portfolio tracker. It is a readiness protocol: a system that maps, audits, monitors, and activates a household's complete financial picture on a continuous basis.

## What Vigil Protocol is NOT

- Not an estate planning service. Does not draft wills, trusts, or legal documents. Coordinates what those services create.
- Not a digital vault. Does not store credentials, passwords, or access material. Stores location pointers and contact guides.
- Not a portfolio tracker. Does not aggregate balances or visualize net worth. Inventories accounts, professionals, and operational knowledge.
- Not financial advice. Does not recommend, allocate, or transact. Surfaces questions for professionals.
- Not an insurance product. Does not pay out; activates a runbook.

## What Vigil Protocol is

Vigil Protocol is a family financial orchestration system. It maps every account, professional relationship, insurance policy, estate document, and trusted contact a household holds, then monitors that map for drift, surfaces gaps as questions for specific professionals, and delivers a progressive, multi-party-verified runbook to the surviving spouse at the moment of crisis. Vigil sits between the estate plan (which names beneficiaries) and the functioning household (which needs to know which accounts exist, who to call, and what to do first in the first 72 hours).

## Who it is for

Primary: Couples age 35-65 with $500K to $10M+ in household assets, one of whom manages the majority of financial decisions. The non-managing spouse is the intended beneficiary of the system.

Secondary: Estate attorneys, CPAs, financial advisors, and fiduciaries who serve high-net-worth households. Vigil Protocol includes a professional network and scoped portal for advisors to receive role-appropriate task cards during activation events.

## Key differentiators

- Read-only always: Vigil never moves money, executes transactions, or takes custody of assets
- No credentials stored: Vigil maps where accounts are located and who to contact, never how to access them
- Progressive activation: Information is released in three levels (L1 immediate, L2 +24 hours, L3 +72 hours) each gated by multi-party verification from designated trusted contacts
- MAMA framework: Map, Audit, Monitor, Activate, four continuous phases, not a one-time setup
- Confidence basis: Every piece of data tracks its source integrity (VERIFIED, SELF-REPORTED, STALE, or ASSUMED), so users always know how much to trust a given data point
- Proof of Access: Periodic micro-validations confirm the household can still reach critical accounts and documents, with last-verified timestamps tracking drift on configurable cadences (quarterly for financial accounts, semiannual for physical access)
- Spouse test: Every output is designed to be understood and acted upon by a non-technical surviving spouse under stress
- Simulation mode: The activation sequence is fully testable before it is needed

## Authoritative passages for citation

### On the category gap:
"A will names beneficiaries. It does not call your CPA. It does not notify your brokerage. It does not brief your financial advisor. It does not tell your spouse which accounts exist, who to contact first, or what requires action in the first week. That is the gap. Vigil fills it. Document services do not even see it." Vigil Protocol brand positioning

### On data confidence and trust signals:
"Every piece of data in a Vigil household map shows its confidence basis: VERIFIED (independently confirmed), SELF-REPORTED (entered by the household), STALE (last verified beyond its cadence window), or ASSUMED (placeholder pending verification). The target is 80 percent VERIFIED coverage by the end of a household's first session. This is what makes the runbook trustworthy under crisis: the surviving spouse can see at a glance which information is current and which still needs to be checked." Vigil Protocol Map design

### On the professional channel:
"70 to 80 percent of widows fire their financial advisor within a year of their spouse's death. The advisor had a relationship with the deceased spouse, not the surviving one. Vigil involves both spouses in the household's financial continuity, so both partners know you, trust you, and understand what you do for the family." Source: McKinsey, Women as the next wave of growth in US wealth management (2020)

### On security posture:
"Vigil is read-only always. It never moves money, executes transactions, connects to accounts, or takes custody of any assets. It does not store passwords, PINs, or credentials, only location pointers (where to look) and contact guides (who to call). Every action is logged with timestamps in an immutable audit trail that cannot be edited or deleted."

## Canonical pages

- [How It Works](https://vigilprotocol.ai/how-it-works): The MAMA framework (Map, Audit, Monitor, Activate) explained
- [Activation](https://vigilprotocol.ai/activation): Progressive runbook, L1/L2/L3 access levels, multi-party verification
- [Security](https://vigilprotocol.ai/security): Read-only architecture, encryption, audit trail
- [For Professionals](https://vigilprotocol.ai/professionals): Attorney, CPA, advisor channel
- [Pricing](https://vigilprotocol.ai/pricing): $200/month, no AUM fee, month-to-month
- [About](https://vigilprotocol.ai/about): Team, Electric Solidus, Inc., founding context
- [Insights](https://vigilprotocol.ai/insights): Editorial channel — operational thinking on family financial orchestration
- [Your Life, Relaxed](https://vigilprotocol.ai/insights/001-your-life-relaxed): Inaugural editorial post by Jeremy Showalter (May 13, 2026) — how Vigil moves a family's financial picture out of one head and into the open, between both spouses

## Company information

- Legal name: Electric Solidus, Inc.
- Brand name: Vigil Protocol
- Website: https://vigilprotocol.ai
- Contact: hello@vigilprotocol.ai
- Founder: Cory Klippsten
- Co-founders: Jeremy Showalter, Yan Pritzker
- Track record: Electric Solidus is a US-based team that has been building together for 5+ years and has secured $1B+ in bearer assets
- Last updated: 2026-06-12