Abstract: Disclosed herein are system, method, and apparatus for account inheritance. The method performed at a gateway server includes generating a user access token based on user information received at the gateway server, and receiving information identifying a deceased. The method includes determining one or more account identifiers corresponding to one or more accounts associated with the deceased. The method includes determining a list of beneficiaries corresponding to the one or more accounts associated with the deceased, and generating a record including the user information, the information identifying the deceased, the one or more account identifiers, and the list of beneficiaries for storing in a databased using user access token, thereby generating a form accessible based on the user access token to display content corresponding to the record stored in the database.