AI Wealth Managers and Smart Contracts = Dead People Controlling Money Forever (lightcapai.medium.com)

A new white paper lays out a practical blueprint for "posthumous autonomous wealth management"—the combination of mature robo‑advisors, smart contracts, and emerging perpetual‑trust law that could let AI run estates indefinitely after a person’s death. The authors argue technical feasibility is real: robo‑advisors already manage trillions and ML-driven trading/portfolio engines can operate 24/7, while multi‑jurisdictional trust reforms permit century‑ or infinite‑duration vehicles. That convergence matters because it turns estate instructions into algorithmic, enforceable code, enabling condition‑based payouts (education, charity, health) and continuous optimization of assets without human intermediaries—raising profound ethical, governance, and legal questions about accountability, control, and societal impact. Technically, the paper specifies a seven‑layer resilient stack (HDFS/cloud object storage, Kafka ingestion, Storm stream processing, HBase/HDFS storage split, Hadoop/Spark training, Apache Atlas governance, multi‑region cloud IaaS) with Chainlink‑style oracles bridging on‑chain/off‑chain events. Algorithmic cores mix LSTMs (2–3 layers, 50–200 units), CNN time‑series transforms, deep RL (DQN, Actor‑Critic, DDPG) for allocation, and ensembles (XGBoost/LightGBM + Bayesian models) with SHAP explainability and meta‑learners for robustness. Smart contracts (Solidity examples) enforce time‑locks, conditional logic and oracle triggers; long‑term security relies on multi‑sig/Shamir secret sharing, MPC wallets, cold storage, OpenZeppelin patterns and independent audits. The paper stresses that despite technical maturity, ensuring regulatory compliance, verifiable death/oracle data, long‑horizon model stability and ethical governance are the real linchpins to any safe deployment.