Estate planning at Lili

No. Section 7.4 of the Sunrise Banks Account Agreement says Lili "does not support Trust accounts, Conservatorships, or Power of Attorney authorizations at this point in time." Your agent under a durable financial power of attorney will be turned away, and so will a court-appointed conservator. This is a live gap, not a theoretical one: if you are hospitalized and your business cannot make payroll, nobody can legally step in on the Lili account. The workarounds are inside the app, not inside your estate plan — Lili offers an Additional User (who must hold 25% or more of the business), an Account Administrator, or a Manager, and each can move money. But those roles are transaction access, not legal authority, and only the Account Owner can add or remove them. If your incapacity plan depends on an agent reaching your operating cash, keep that cash at an institution that accepts a POA.