Estate planning at Juno
How to protect 4 Juno accounts — file death claims
Brand change
Juno wound down its consumer platform. Banking and card services stopped working on May 11, 2024 (Synapse bankruptcy), the Treasury Account closed May 12, 2025, and Juno directed crypto holders to move their assets to an external wallet. The app at app.juno.finance is offline. Estate claims run through Evolve Bank & Trust, the CFPB, and state unclaimed property, not through Juno. Effective September 2025.
The procedures below reflect Juno's accounts. Account servicing may transfer as the change takes effect.
Evolve Bank & Trust -- Synapse end-user reconciliation (holds the Cash Account money)
Phone(877) 873-0008
Jiko (Treasury Account statements and tax documents)
CFPB (civil penalty fund redress)
Federal Reserve Consumer Help (complaints)
WebsiteNotify online→
Verified Jul 2026
How your Juno accounts transfer at death depends on how each one is titled and whether a beneficiary is on file. Getting these details right keeps assets out of probate and ensures they reach the intended recipients.
Juno provides specific procedures for both proactive estate planning and filing claims after a death.
Preparing your estate
Beneficiaries and trust funding
How to review 4 account types at Juno.
View details →When someone dies
Death claim process
6-step process, 6 required documents, and contact information for survivors.
View details →Frequently asked questions
No. Juno offered no POD, no TOD, and no beneficiary designation on the Cash Account, the Metal Account, the Treasury Account, or the crypto wallet. Whatever is recovered is an estate asset, so the personal representative should expect to produce Letters Testamentary or Letters of Administration -- or, where the recovered amount falls under the state threshold, a small estate affidavit. That is worth checking: recoveries here are often partial, which can drop an account under a small estate limit that the full balance would have exceeded.
The CFPB sued Synapse Financial Technologies (complaint August 21, 2025; stipulated final judgment September 12, 2025) and imposed a $1 civil money penalty for the express purpose of tapping its civil penalty fund to redress harmed consumers. On November 28, 2025, the CFPB allocated $46,248,291 to Synapse-harmed consumers, against a recorded shortfall of $60 to $90 million -- so redress will likely be partial. Consumers cannot apply; the CFPB identifies eligible people from case records. As of July 2026 the Synapse case had not yet appeared on the CFPB Payments by Case list, meaning no distribution was open. A personal representative should keep the estate's mailing address reachable and monitor consumerfinance.gov/enforcement/payments-harmed-consumers/payments-by-case/.
Only if it is still recoverable, and that is not something Juno can fix. Juno's crypto was custodied by Zero Hash, and as the platform wound down Juno directed holders to transfer their assets to an external wallet of their own choosing. If the decedent did that, the crypto is in a self-custody wallet and the estate can reach it only with the seed phrase or private key -- there is no company that can reset it. If no seed phrase can be found, the asset is effectively unrecoverable. Executors should search the decedent's papers, password manager, safe deposit box, and hardware wallets before concluding otherwise, and should not expect Juno support at hello@juno.finance to be able to restore access.
Sources
Data sourced from Juno primary sources (16 pages reviewed). How we research.
Evolve Bank & Trust -- Synapse end-user reconciliation (holds the Cash Account money)
Phone(877) 873-0008
Jiko (Treasury Account statements and tax documents)
CFPB (civil penalty fund redress)
Federal Reserve Consumer Help (complaints)
WebsiteNotify online→
Verified Jul 2026
Estate planning articles
Learn how to protect your Juno accounts and other assets with trusts, beneficiary designations, and estate planning documents.
