For crypto holders
How does a prenup handle cryptocurrency?
A prenup treats crypto as property and lets you and your partner decide, in advance, which holdings stay separate, how volatile tokens get valued, and how future gains are handled. Neptune is the lawyer-led online prenup service: both partners get their own lawyer for one flat fee.
Flat fee of $5,000 per couple. No payment to get started.
Why crypto is different
Digital assets do not behave like a bank account
A prenup can address any asset, but crypto raises four questions that a checking account never does. Getting clear on them now is what keeps the conversation calm later.
Classification is not obvious
Tokens you bought before the marriage can stay separate, but only if you keep them segregated and do not blend them with money earned together. Rules for dividing property differ from state to state, and your attorney can review what applies where you live.
The value moves every day
A holding worth one number at the wedding can be worth something very different at a separation. The date used to value volatile tokens can change the math significantly, so a prenup can set the valuation method in advance instead of leaving it to argue about later.
Wallets are easy to overlook
Self-custody wallets, hardware devices, staking positions, and tokens spread across exchanges do not show up on a single statement. A prenup starts with full, honest disclosure of what each partner holds, which is what makes the agreement hold together.
Growth comes in two flavors
Passive appreciation while a coin simply sits is treated differently from gains you actively created by trading, staking, or building during the marriage. Your attorney can help you think through how each type is addressed.
Worth knowing early
Two costs crypto couples rarely see coming
Most people think about who keeps which coins. The harder questions are when they get counted and what they cost after tax. A prenup is the place to settle both.
The valuation date can move the number by a lot
Crypto does not hold still. If a prenup or a court values your holdings on the day you separate versus the day everything is finalized, the difference can be tens of thousands of dollars on the same tokens. A prenup lets you and your partner agree up front on how and when digital assets get valued, so a market swing does not decide the outcome for you.
Splitting tokens 50/50 is not 50/50 after tax
When one partner keeps the coins and the other is bought out, the person who keeps the tokens also keeps a built-in tax bill on the gains, because the original purchase price carries over to them. Two piles that look equal by dollar value today can be unequal once that future tax is counted. Naming this in the agreement helps both partners understand what they are actually agreeing to.
In the agreement
What your prenup can actually cover
- Which wallets, tokens, and premarital holdings each partner brings in, disclosed clearly on both sides
- How staking rewards, mining income, and DeFi yield earned during the marriage are handled
- A framework for valuing volatile holdings, including which date and method to use
- How tokens or NFTs acquired during the marriage are treated, including ones that may become valuable later
- How debt taken on to buy crypto, such as a margin position, is treated separately from shared obligations
Built for complex holdings
The guided intake asks the right questions about your wallets
Neptune's AI-guided intake walks through token holdings, staking and mining income, self-custody wallets, and exchange accounts. You enter the details once, and both attorneys receive a clear summary to work from.
Each partner works with a separate, licensed attorney from the Neptune network for a free consultation. Independent counsel on each side supports a fair agreement, which matters most when one partner holds far more in digital assets than the other.
Transparent pricing
One flat fee. Two independent attorneys.
$5,000
per couple, total
Rush pricing applies when the wedding is within 45 days. No payment required to get started.
Start your prenupRead more on digital assets
Guides before you begin
Do you need a prenup if you own a lot of crypto?
When digital assets are worth including in an agreement, and what to think through before you talk with your partner.
Read the guideCrypto and digital asset clauses in prenups
How couples are addressing tokens, wallets, and future value in modern prenuptial agreements.
Read the guideAre stock options and RSUs marital property?
If your holdings mix crypto with equity compensation, how each type is typically handled in a prenup.
Read the guideGuides for you
Guides on assets, debt, and equity
Start with the guides other couples read before they begin, then take the next step when you are ready.
Common questions from crypto holders
Is cryptocurrency I bought before the marriage automatically separate?
Not automatically. Premarital tokens can stay separate, but generally only if you keep them in their own wallet and do not mix them with money you and your partner earn together. Rules differ by state, and your attorney can review what applies where you live. A prenup can document what you brought in and set clear expectations for how it is handled.
How do you put a value on something this volatile in a prenup?
A prenup does not have to lock in a single dollar figure. It can instead describe the holdings and agree on a method and a date for valuing them if it ever matters, so a price swing between separation and finalization does not decide the split for you. Your attorney can help you choose an approach that fits your situation.
What about NFTs? They are all different.
Because each NFT is unique, it usually cannot be cut in half. Couples typically address them by having one partner keep the asset and offset its value elsewhere, or by planning for a sale. A prenup can set out how you want unique digital assets treated before the question ever comes up.
Do I have to disclose every wallet?
Full and fair disclosure is what makes a prenup hold together. Leaving out wallets or exchange accounts can undermine the entire agreement. The point is not to hand anything over now, it is to be honest about what exists so both partners are agreeing with the full picture in view.
How long does the process take?
When both partners use Neptune attorneys, turnaround is typically around 3 to 4 weeks. Complex holdings across many wallets or tokens may need extra time for your attorney to review. If your wedding is within 45 days, rush pricing applies.