Recovery in this case will most likely be in the underlying asset i.e. BTC. Having knowledge of a ton of these situations what will actually reduce the payout/

Recovery in this case will most likely be in the underlying asset i.e. BTC. Having knowledge of a ton of these situations what will actually reduce the payout/recovery substantially are: a. The time it will take to recover => 2-5 years b. The customers will be on the hook for all accountant and legal fees, which will easily erode 40-80% of the recovery amount So the expected recovery would be in the range of 0.118btc - 0.354btc per 1btc. The only saving grace to recover the USD value would be if at time of recovery BTC was trading at $1600 - $4796 USD/BTC.