i think the second suggestion you raised is a good one. but the "crypto from the crypt" option i wouldn't be comfortable with coz it involves the bank. depending on the large period of inactivity before conversion and sending to bank something might happen that lets the bank claim it. i am not sure here but i think after the next of kin what is in a deceased bank account, the account is closed, what if this happens before the large period of inactivity?