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RatioNexFlow vs CoinTracker

CoinTracker is a crypto portfolio tracker and tax-reporting service from Nino Finance, Inc. in San Francisco, founded 2017. It connects to exchanges, wallets and blockchains with read-only access, calculates cost basis and gains, and produces tax forms on annual paid plans priced by transaction count.

RatioNexFlow is a crypto portfolio tracker that shows the risk inside a portfolio, not only its value. It connects to exchanges with read-only keys or reads a statement file, holds no funds, never trades and never advises. CoinTracker is described below from its own pages; the numbered sources at the foot of this page are what each cell rests on.

Checked 24 October 2026 · prices and plans change; the sources are linked

Where they differ

CoinTracker is tax software first: Form 8949, Schedule D, TurboTax and country reports, priced by the year's transaction count. RatioNexFlow has no tax report, only a CSV of closed trades and reward income.
CoinTracker connects to about 600 exchanges, wallets and blockchains. RatioNexFlow connects to 16 exchanges, reads 12 statement formats and 6 wallet chains.
Neither keeps custody of funds. CoinTracker swaps tokens from a connected self-custody wallet for US customers; RatioNexFlow never executes anything.
CoinTracker's analytics are value and return charts; it names no portfolio risk measure. RatioNexFlow's Portfolio Analytics (Pro) adds drawdown, concentration, Sharpe, Sortino, VaR and CVaR with the method stated.
CoinTracker screens for spam tokens only. RatioNexFlow's Threat Protection runs contract, liquidity and holder rules on tokens it can resolve on-chain.
CoinTracker's paid plans run from $59 to $999 a year in US dollars by transaction volume; RatioNexFlow Pro's list price is €29 a month or €290 a year at any volume, with the first 30 days free while Pro is on sale.

Feature by feature

RatioNexFlow and CoinTracker, as of 24 October 2026
Feature	RatioNexFlow	CoinTracker
Free plan	YesNo card, no time limit. Statement imports and manual entry, prices refreshed every minute, dashboard and ROI, Threat Protection on supported tokens, 1 active price alert, 3 Ask questions a month, Market Intel by the hour and day. These are the Free plan's limits; the Pricing page shows whether they apply today.	YesFree at $0 with no time limit: unlimited wallets and exchanges (up to 50,000 transactions per wallet), automatic categorisation and transfer matching, cost basis, current portfolio value, a tax summary preview, spam detection, daily portfolio e-mails and the mobile app. No downloadable tax forms, no portfolio value over time, no performance tracking.[1][10]
Paid plan	YesPro: €29 a month or €290 a year, VAT included where it applies. While Pro is on sale, the first 30 days are free once per account and checkout asks for a card. Stripe handles the payment.	YesAnnual plans priced by the year's transaction count, in US dollars: Base $59 a year (100 transactions; Base+ $99 for 250), Prime $199 (1,000; Prime+ $299 for 2,500), Ultra $499 (10,000; Ultra+ $999 for 25,000); higher-volume plans from $1,999 and Full Service from $3,499 a year. Plans renew yearly; payment by card or USDC.[1][10][11]
Custody of your funds	NoNo wallet, no custody. Your assets stay on your exchange or in your own wallet.	NoDescribes itself as a view-only tracking platform that cannot move funds; the Terms state it has no custody or control over any funds. No wallet of its own.[20][7]
Places trades or swaps	NoNever trades, swaps or withdraws. Every connection is read-only; there is nothing to execute.	PartlyNo fiat purchases and no orders on exchanges. A tax-loss harvesting tool (US customers) swaps tokens in a connected self-custody wallet through decentralised exchanges from inside CoinTracker, for a routing fee plus gas; assets on centralised exchanges cannot be swapped.[21][1]
Exchange connections by API	Partly16 exchanges with read-only keys, on Pro, in beta: Kraken, Kraken Futures, Bybit, OKX, Binance, Coinbase Advanced, KuCoin, Bitget, Crypto.com Exchange, Bitstamp, Bitvavo, Gemini, Bitfinex, MEXC, Gate, HTX.	YesAn integrations directory of 604 entries on 24 October 2026 (459 exchanges, 69 wallets, 76 blockchains); the site says 500+ integrations and the app listings 400+ exchanges. Connections are read-only; some exchanges sync by API, others by CSV upload, and the count of API syncs is not stated.[5][1][25]
API key permissions	YesQuery-only keys. Binance, Bybit and Coinbase keys are checked read-only with the exchange; for the other 13 you confirm it when you connect. Keys are encrypted at rest and never sent back to your browser.	YesRequests read or view permissions only, never write, trade or transfer access; Coinbase connects through OAuth. It says it never asks for recovery phrases or private keys.[12][13]
On-chain wallets	PartlyRead-only wallets on Ethereum, Arbitrum, Optimism, Base, Polygon, Solana, major tokens only (Pro).	YesWallets by public address, xPub/yPub/zPub key, HD wallet key or ENS name, synced automatically; 76 blockchain and 69 wallet integrations in the directory, with DeFi categorisation on EVM chains and Solana.[13][5]
Statement import	YesCSV, XLSX and PDF exports from 12 exchanges, auto-detected and parsed in your browser: Kraken, Coinbase, Binance, Bybit, OKX, KuCoin, MEXC, Bitget, Crypto.com Exchange, Bitstamp, Gemini, Bitfinex.	YesAn exchange's native CSV where supported, or any statement converted to the CoinTracker template, as a new wallet or appended to a synced exchange. The import does not check for duplicates.[14][15]
Manual entry	YesAdd trades and holdings by hand for any exchange or wallet.	YesAdd new on the Transactions page: date and time in UTC, outgoing asset, incoming asset and fee.[16]
Portfolio risk measures	YesEquity curve and drawdown from your daily balances, time- and money-weighted returns, concentration (HHI and effective positions), Sharpe, Sortino, Calmar, VaR, CVaR and beta against BTC, each with its method stated and an honest N/A when the data is missing (Pro).	NoNone found. Analytics are value and return based: current value, unrealised and realised gains, total-return and unrealised-return charts, per-asset breakdown (Prime and above), allocation. No drawdown, volatility, correlation, Sharpe or VaR figure is described.[10][23][6]
Per-token risk screening	YesThreat Protection, in beta: 17 rules on contract permissions, trading tax, liquidity against market value, pools and holder concentration, on tokens it can resolve on-chain, read from GoPlus, DexScreener and CoinGecko. No coin is exempt: a coin in CoinGecko's top 250 with no token contract on a supported chain is read from its market figures, and a major coin (top 20 by market value, at least 5 years of price history, at least $100 million traded a day) keeps its full result with its score capped at low. Results are kept for up to 6 hours and checked again in the background; it is not a live detector and does not guarantee to detect any hack or scam.	PartlySpam-token detection only: unsolicited airdrop tokens are hidden automatically from a list of 1.5 million spam tokens updated daily, and can be marked on the Account health page. No honeypot, contract or holder screening is described.[17]
Alerts	PartlyPrice and % change alerts, checked about every minute: an in-app toast on any page, with sound and a system notification on Pro. Free has 1 active alert. E-mail and push are planned, not available.	PartlyThe features page says price alerts can be set, but no help article describes them or their channels. Documented: daily portfolio e-mails, mobile push for sync problems and tax-loss events, and suspicious sign-in e-mails.[4][18][19]
AI assistant	YesAsk your portfolio (beta): plain-language questions answered from your own holdings, verdicts and history, with the figures it used. Powered by Claude from Anthropic, off until you turn it on, and it never advises. Free: 3 questions a month; Pro: 50 a day.	YesCoinTracker MCP connects the account to Claude, ChatGPT, Claude Code or Codex. It answers from synced data about balances, cost basis, gains, transactions and tax summaries; read-only except for adding a wallet; free on every plan during the beta, with more detail on paid plans. The pricing page also lists an AI support agent on paid plans.[6][22][23]
Tax	PartlyA CSV export of closed trades and reward income (Pro). No tax report and no country forms.	YesIts core feature. US Form 8949 and Schedule D with TurboTax, H&R Block and TaxAct; Canada Schedule 3; country forms for Germany and Australia; reports for the UK, Spain, Italy, Brazil and Portugal; generic gain and income reports elsewhere. Downloadable forms need a paid plan, which covers every past year.[24][1]
NFTs and DeFi positions	NoNot tracked.	YesDeFi transactions (pools, lending, borrowing, staking, bridges) categorised on every plan across EVM chains and Solana; from Prime up, positions appear in the portfolio view. NFTs are tracked alongside.[1][10]
Stocks, cash and other assets	NoCrypto only.	NoCrypto only. In 2026 the company launched a separate service, Nino, for investments, cash, property and retirement planning.[3]
Platforms	PartlyWeb app that installs on a phone or desktop (PWA). No app-store apps.	YesWeb, iOS (iPhone, iPad, Apple Vision) and Android. No desktop application.[25][26]
Company	YesRatioNexF OÜ, Tallinn, Estonia (registry code 17605569), registered 2026. The product has been live in beta since 10 October 2026.	YesNino Finance, Inc., operating as CoinTracker, San Francisco, founded 2017 by Jon Lerner and Chandan Lodha; Y Combinator 2018; investors include Accel, General Catalyst, Coinbase Ventures and Kraken Ventures.[3][7][26]
Trade ideas or ratings	NoNone. RatioNexFlow measures and flags; it never tells you what to do.	PartlyNo trade ideas or ratings; the Terms and Disclaimer call its information informational only. It does flag tax-loss harvesting opportunities and offers the swap tool to act on them.[7][9][1]
Data and privacy	YesData in Supabase Postgres in London, UK (eu-west-2), encrypted at rest and isolated per user. No data sales and no advertising. If you turn on Ask, each question and a redacted portfolio summary also go to Anthropic.	PartlyPersonal data may be stored outside the EEA and UK, including in the United States, under adequacy decisions, the EU-US Data Privacy Framework or standard contractual clauses; no hosting region is named. It collects e-mail, wallet addresses and transaction history, not name or home address; the app listings cite SOC 1 and SOC 2.[8][25]

What RatioNexFlow does not do

No app-store apps: it is a web app you can install on a phone or desktop.
No NFT or DeFi-protocol position tracking.
No tax report: only a CSV of closed trades and reward income.
No stocks, cash or other assets: crypto only.
Live exchange connections are in beta and cover 16 exchanges; statement import covers 12. Anything else is manual entry.
E-mail and push alerts are planned, not available.
Threat Protection reads a coin in CoinGecko's top 250 with no token contract on a supported chain from its market figures only, does not check a coin it cannot find on a supported chain or in CoinGecko's top 250, caps a major coin's score at low, and is not a live detector.

What we could not find on CoinTracker's site

Where CoinTracker hosts its data: the Privacy Policy names no region or provider, only that data may be stored outside the EEA and UK.
How price alerts work and which channels carry them: the features page mentions them, the help centre has no article.
How many of the 604 integrations sync by API rather than by CSV upload.
Whether the swap tool is offered outside the United States.

Pricing side by side

RatioNexFlow: Free with no card, or Pro at €29 a month or €290 a year with the first 30 days free, once per account. The pricing page lists what each plan includes.

CoinTracker: Annual plans priced by the year's transaction count, in US dollars: Base $59 a year (100 transactions; Base+ $99 for 250), Prime $199 (1,000; Prime+ $299 for 2,500), Ultra $499 (10,000; Ultra+ $999 for 25,000); higher-volume plans from $1,999 and Full Service from $3,499 a year. Plans renew yearly; payment by card or USDC.[1][10][11]

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