Family continuity system · France · Switzerland · cross-border workers

The day it happens, it is too late to get organised.

Frozen accounts, paperwork nobody can find, decisions taken by a judge. Nidho prepares today the plan your family will follow on that day, step by step, in both countries.

Join the early list See my risk in 3 questions

€0
inherited with no will
6 months
to file the inheritance return
60%
tax between cohabitants

Household readiness Live

64/100

Accounts78
Paperwork61
Protection45
Plan70
Proof38

End-to-end encryption
No password ever stored
Hosted in Europe
Full export in one click
Plans available offline

01 — The default scenario

With no plan there is still a plan. The law writes it, not you.

Here is what happens, in order, when a household has prepared nothing. Nothing invented: these are the French and Swiss rules applied to an ordinary couple.

Day 0
The phone rings.
Whoever picks up does not know which doctor, which notary, which bank. They search through drawers while everyone waits for a decision.
No legal deadline. Only what is written counts.
Day 1
The accounts close.
Any account in the deceased's sole name is frozen until the certificate of inheritance. The Swiss account too, and the pension fund pays nothing until it has been told.
Frozen until the certificate of inheritance
Week 1
The law names the heirs.
Civil partners or cohabitants with no will: the partner inherits nothing. Married with children: the survivor shares the house with them. Nobody asked for your view.
Order of heirs: fixed by law
Month 1
A judge decides for you.
With no power of attorney, the protection court — or the KESB in Switzerland — appoints who manages your affairs and, if both of you are gone, who raises your children.
Court referral: 1 to 3 months
Month 6
What cannot be proved is lost.
An inheritance return to file. Life cover nobody claims. A partner's pension never declared to the fund: never paid. Stolen belongings with no receipt: never reimbursed.
6 months to file the inheritance return

Every gap shown here has its remedy further down. None of it is inevitable.

Write my own plan

02 — Your situation

Three situations, three sets of rules. Nidho applies yours.

Cross-borderYou live in France, at least one of you works in Switzerland.In FranceYou live and work in France, with no Swiss income.In SwitzerlandYou live in Switzerland, as a couple, with or without children.

Cross-border workers

Two countries, two systems. Nidho speaks both.

Salary, pension fund, health insurance, inheritance: neither your French bank nor your Swiss employer explains the whole picture. Nidho works it out from your canton, your nationality and your choices, then tells you what is missing.

Start, cross-border Try it in 3 questions

8
cantons where France taxes you
20.3%
instead of 30% on your investments
€0
inherited by a civil partner with no will
2
pensions to document

03 — Two versions of the same day

Same event. Two families. Only one comes through undamaged.

With no plan

By default

What it costs: the home, the partner's pension, the proof.

The survivor discovers the accounts one at a time, letter after letter. Some are never found.
The civil partner or cohabitant inherits nothing. The married spouse shares the house with the children.
The partner's pension was never declared to the pension fund: it does not exist.
A judge picks who manages your affairs and who raises your children.
After a burglary the insurer asks for receipts. They burned, or were never kept.

With Nidho

Your plan

What it costs: one evening, once.

Every account, contract and contact is listed, with the access procedure. Nothing is forgotten, nothing is guessed.
The will, the gift, the declaration to the fund: flagged as missing, then filed in the Vault with the location of the original.
The power of attorney names the person who acts. The trusted contact knows where the plan is.
On the day, your partner opens “If Thomas dies”: who to call, in what order, what to say to each of them.
Receipts and photos of the belongings are already in the vault: the claim reaches the insurer complete and on time.

05 — The system

Know. Protect. Prepare. Guide.

Four layers that feed one another: what you enter becomes a diagnosis, the diagnosis becomes a plan, the plan becomes actions on the day.

Know
Everything that exists, in one place
The household's accounts, contracts, assets, contacts and paperwork, in both countries, each with its access procedure.
In euros and francs, converted
Protect
The risks, each with its action
Every gap detected comes with the step that closes it: a deed to sign, a declaration to file, a document to put away.
A score that rises when the record genuinely exists
Prepare
One plan per person and per scenario
Death, hospital stay, claim, long absence: each scenario has its plan, written with your real accounts and your real contacts.
Ready once everything is filled in, not before
Guide
One step at a time, on the day
On the day the plan does not show everything at once: it gives the next action, and only that one, until it is all done.
A five-minute round for the partner

06 — Theft · fire · water damage

The insurer wants proof. Not memories.

After a burglary or a fire, everything turns on receipts, photos and serial numbers. Those who do not have them negotiate blind, for months. Nidho keeps them in advance and builds the claim for you.

You photograph the item and its receipt once, in the right room. Nidho flags whatever has no proof yet.
On the day, the Emergency button opens the plan: who to call, in what order, what you say to the police, the fire service and the insurer.
You tick the items affected, room by room. Receipts, photos and serial numbers attach themselves.
The claim reaches the insurer on time and complete. The payout follows, with no back and forth.

Burglary · Living roomInsurance claim

MacBook ProApple receipt 2025 · serial no.€2,700
Family jewelleryPhotos 2024€3,800
Tissot watchNo proof · flagged by Nidho€900

07 — Security

If our servers were stolen tomorrow, the thief would walk away with noise.

Your sensitive data is encrypted on your device, with a key Nidho does not hold. We store where things are and how to reach them, never a password, a PIN or a recovery phrase. There is nothing worth stealing.

No password, ever
Nidho stores where the account is and how to reach it, never the code, the PIN or the recovery phrase. Nothing to steal.
Encrypted at rest
Your documents and data are encrypted. Sign-in by passkey and two-factor authentication.
You decide who sees what
Private, shared, or visible only in a continuity event. A trusted contact gains access only after a delay you set.
Your data stays yours
Full export in one click, permanent deletion on request, an audit log you can read. Hosted in Europe, compliant with the GDPR and the Swiss FADP.

What the server sees

Nidho cannot read this vault

a3f1 9c04 7b2e d851AES-256at your end: BNP current account · IBAN
7d20 e6bb 1140 9ac3Continuityat your end: Handwritten will · desk drawer
c85a 02f7 ee39 6b14AES-256at your end: Pension fund · member number
1b6f 44d9 a70c 25e8Sharedat your end: Trusted contact · Camille
9e33 b581 0fd6 74aaAES-256at your end: Home insurance · policy no.

08 — Early sign-up

Nidho is coming. Sign up now, pay less on launch day.

We are opening Nidho in waves. Leave your address: you will hear first, and a launch offer is reserved for those on the list. Nothing to pay today, no commitment.

Early access, before the public opening
Launch offer reserved for those on the list
Your view counts: you test the product and shape it
One single email at launch. No follow-ups.

Free today

Waiting list

The button opens your mail app with the message already written. You read it over, you send it.

Join the waiting list

Or write directly to yprobst@proton.me

This site records nothing. Your address only leaves your mail app if you send the message.

No card, no payment today. The price will be announced at launch.

09 — Questions

What people ask us before signing up.

Does Nidho replace the notary?

No. Nidho tells you what is missing, why, and which papers to take to the notary. The will, the gift or the power of attorney remain deeds you sign with them. Nidho then keeps the location of the original.

What does my trusted contact see?

Nothing while all is well. They know the plan exists. If they request access, you are notified and have a delay in which to refuse; absent a refusal, they reach the plan and the items marked Continuity. You choose the level: Info, Continuity or Full.

I am not a cross-border worker — is Nidho any use to me?

Yes. The cross-border layer switches on only if a member of the household works in Switzerland. Whether you live in France or in Switzerland, you get the plans, the assets, the vault and the guidance that match your country.

What if I do not know my matrimonial regime?

Answer “I do not know”: with no marriage contract, the default regime applies, and Nidho starts from there. You can correct it later.

How long does it take to be “ready”?

Three questions for the first answer, about ten minutes for the onboarding. After that, Nidho only comes back when something changes: a deadline, a life event, a new risk. At most two notifications a week.

How much will it cost?

The price will be announced at launch. People on the waiting list will hear it first and will get a launch offer reserved for them. No card is asked for today.

You do not get ready on the day itself. Get ready tonight.

Three questions to see your first gap. Ten minutes so your family knows what to do. Years of peace of mind.

Join the early list

The day it happens, it is too late to get organised.

With no plan there is still a plan. The law writes it, not you.

The phone rings.

The accounts close.

The law names the heirs.

A judge decides for you.

What cannot be proved is lost.

Three situations, three sets of rules. Nidho applies yours.

Two countries, two systems. Nidho speaks both.

Same event. Two families. Only one comes through undamaged.

Three answers. Your first risk appears.

Know. Protect. Prepare. Guide.

Everything that exists, in one place

The risks, each with its action

One plan per person and per scenario

One step at a time, on the day

The insurer wants proof. Not memories.

If our servers were stolen tomorrow, the thief would walk away with noise.

No password, ever

Encrypted at rest

You decide who sees what

Your data stays yours

Nidho is coming. Sign up now, pay less on launch day.

What people ask us before signing up.

You do not get ready on the day itself. Get ready tonight.