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Should a Miniscript inheritance policy use a relative or absolute timelock?

Moussa by Moussa
October 29, 2026
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Policy:
or(pk(OWNER),and(older(52560),thresh(3,pk(H1),pk(H2),pk(H3),pk(H4),pk(H5))))

The owner spends at any time. After about a year without moving, 3 of 5 heirs can spend.

  1. Is a relative timelock (older) better than an absolute one (after) here?
  2. Under Taproot, is thresh with pk or multi_a the better choice for the heir branch?

Tested on signet only. This is for BTCGuardiansHQ, an open-source, non-custodial inheritance prototype. Volunteer review is welcome: https://github.com/Ashworth78/btcguardianshq/issues/3



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