This is a fair question, and the honest answer is not always.
Multisig is not automatically the right choice just because it exists. Like any security tool, it has a cost in setup, coordination, and daily friction. For some small teams, that cost is justified. For others, it is unnecessary early on.
The real deciding factor is not team size. It is risk.
If you are a small team holding a small amount of crypto that would not materially hurt the business if something went wrong, multisig can feel like over engineering. A single hardware wallet, well protected, may be enough in the very early stages.
But once the value starts to matter, the equation changes fast.
A multisig wallet created using platforms like Safe is not about bureaucracy. It is about removing single points of failure. Even in a team of two or three people, relying on one wallet means relying on one person’s device, one recovery phrase, and one moment of judgment.
Small teams often assume trust replaces structure. That works until it does not.
People get sick. People travel. Laptops get compromised. Relationships change. None of that requires bad intent to cause damage. Multisig is less about mistrust and more about designing for reality.
That said, multisig does introduce friction. Every transaction requires coordination. Simple actions take longer. If the team is moving quickly and experimenting, that can slow things down in a way that feels painful.
This is why many small teams take a hybrid approach. They keep a small operational balance in a single wallet for speed. They move meaningful funds, reserves, or investor capital into a multisig. As the project matures, more activity shifts into the multisig naturally.
Another thing to consider is signaling. Using multisig early sends a strong message to investors, partners, and advisors. It shows that the team takes asset security seriously and understands basic treasury governance. For some audiences, that matters more than the inconvenience.
Multisig becomes clearly worth it when
There is outside capital involved
More than one person is responsible for funds
The treasury balance would hurt to lose
You expect the team or roles to change over time
Below that threshold, it may feel heavy. Above it, it feels obvious.
The mistake is not skipping multisig early. The mistake is staying on a single wallet long after it stops being appropriate.
Multisig is not about team size. It is about when failure becomes unacceptable.