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Situations · Separations

My ex created the wallet: what you can and cannot do

There are two situations that look identical and aren’t: recovering access to a wallet that is yours even though someone else set it up, and getting into someone else’s wallet. The first is an ordinary recovery case. The second isn’t worked by anyone serious, and for very good reasons.

September 26, 2026 · 4-minute read

The line, clearly

  • It is your case if the money is yours or shared and you can prove it: the purchase left your bank account, there is a separation agreement dividing it, a court decision, or the other party’s consent.
  • It isn’t your case if the wallet belongs to the other person, even if you believe they owe you money, even if the funds came from undocumented shared expenses, or even if the division seems unfair to you.

The difference isn’t a nuance. Accessing another person’s wallet without their consent is, in practically every country, a crime, and a transfer made that way cannot be undone later if a court says it shouldn’t have happened.

That is why I don’t accept cases without proof of ownership or entitlement, and why you should be wary of anyone who does. Someone willing to break into a third party’s wallet for you is also willing to keep it.

If the money genuinely is yours

Then your case is perfectly normal and what it needs is documentation. What proves entitlement depends on your situation, but typically:

  1. The separation agreement where that asset is listed.
  2. A court decision dividing or awarding it.
  3. The other person’s written consent.
  4. Proof that the purchase left your account, if the wallet was merely a shared container.
A practical tip worth more than any technical recovery: if the wallet exists and the other person still has access, the effective route is usually to resolve it legally and have them transfer. It is faster, cheaper and doesn’t depend on finding forgotten passwords.

If you have both lost access

That is a technical case like any other, with the particularity that both parties’ agreement is needed to work it and to decide where the recovered funds go. It can be done, and it is done, but with both parties agreeing, in writing, from the start.

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