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RatioNexFlow vs Delta

Delta by eToro, formerly Delta Investment Tracker, is a multi-asset portfolio tracking app made by Opus Labs NV in Ghent, Belgium, part of the eToro Group since 2019. It syncs read-only with exchanges, brokers and wallets and comes in Basic (free), PRO and PRO+.

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. Delta 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

Delta tracks stocks, ETFs, forex, commodities and crypto in one app, with broker and bank connections. RatioNexFlow is crypto only.
Both are read-only, keep no custody and never trade; Delta even declines an API key that can trade or withdraw.
Delta's risk view is a risk factor, a weighted beta and a diversity module. RatioNexFlow (Pro) computes drawdown, concentration, Sharpe, Sortino, VaR and CVaR with the method stated.
Delta shows no per-token contract checks. RatioNexFlow's Threat Protection runs contract, liquidity and holder rules on tokens it can resolve on-chain; it does not predict, and does not guarantee to detect, any hack, exploit, rug pull or scam.
Delta's free tier stops at 10 tracked assets. RatioNexFlow's Free plan has no asset limit, one active alert and 3 Ask questions a month.
Delta PRO is $6.99 a month or $53.88 a year and PRO+ $13.99 or $107.88. RatioNexFlow Pro's list price is €29 a month or €290 a year, with the first 30 days free while Pro is on sale.

Feature by feature

RatioNexFlow and Delta, as of 24 October 2026
Feature	RatioNexFlow	Delta
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.	YesBasic is free with no time limit: up to 10 tracked assets in 1 portfolio, unlimited broker, wallet and exchange connections, use on 5 devices, price alerts, basic analytics and 3 Delta AI uses a month. Assets above the limit are hidden, not deleted.[1][2][22]
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.	YesPRO at $6.99 a month or $53.88 a year: up to 40 assets, Asset Analytics, auto-refreshing prices and four Portfolio Insights modules. PRO+ at $13.99 a month or $107.88 a year, or $299 once for life: unlimited assets and portfolios, all eleven modules, real-time quotes, Gains Reporting and unlimited Delta AI. Website prices; app-store prices and other locations can differ. eToro Club members get PRO or PRO+ included.[1][2][22]
Custody of your funds	NoNo wallet, no custody. Your assets stay on your exchange or in your own wallet.	NoKeeps no custody and has no wallet of its own; it reads balances from linked accounts. The separate eToro Money wallet can be linked as a tracked source.[3][13]
Places trades or swaps	NoNever trades, swaps or withdraws. Every connection is read-only; there is nothing to execute.	NoNo trades, swaps or purchases inside Delta; the site sends users to their linked brokerage, exchange or wallet for that.[3][24]
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.	YesThe site gives no total and lists every broker, exchange and wallet connection in a directory with a status; the app stores say 200+ exchanges, brokers and wallets. Connections are read-only, and Basic has unlimited connections.[6][22][23][3]
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.	YesNeeds only read-only or query permissions (balances, trade and order history, deposits and withdrawals); a key with trade, withdraw or transfer rights is declined with a "too much access" error. Keys are stored on the device, not in the Delta account.[12][17]
On-chain wallets	PartlyRead-only wallets on Ethereum, Arbitrum, Optimism, Base, Polygon, Solana, major tokens only (Pro).	YesPublic addresses for BTC, ETH, LTC, DOGE, XRP and more, xpub keys for hardware wallets, plus MetaMask, eToro Money and WalletConnect. Wallets with more than 10,000 past transactions are rejected. The connections directory lists wallets on about 20 chains.[13][6][1]
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.	YesA CSV in Delta's template or a supported exchange format, with a summary of matched and unrecognised rows and an import history that can be reverted. Export to CSV as well.[14]
Manual entry	YesAdd trades and holdings by hand for any exchange or wallet.	YesAdd Manual Transaction records purchases and sales of crypto, stocks, funds and NFTs with price, amount, fees, venue and notes, plus transfers for airdrops, mining and staking rewards.[15]
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).	PartlyPortfolio Insights modules: a risk factor and a weighted beta against SPY or another benchmark, Portfolio Diversity (concentration by sector, market cap and region), P/E, performance against benchmarks, fees, history and trade statistics. PRO unlocks four modules, PRO+ all eleven. Drawdown, volatility, correlation, Sharpe and VaR are not named.[5][1]
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.	NoNone found. A PRO+ on-chain analytics module shows a composite score and six indicators on sentiment, money flow and network activity; no per-token contract checks are described.[4]
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.	YesCustom price alerts on any asset, one-off or repeating at most once an hour, as push notifications; also significant-move notifications, end-of-day portfolio updates and, on PRO, new wallet transactions. E-mail delivery is not stated.[16][17][22]
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.	PartlyDelta AI is a set of summaries rather than a chat: "What's going on?" explains the day's portfolio move with the top three movers, AI summaries in Delta Direct, a Daily Recap podcast and "Why is it moving?" explanations. 3 uses a month on Basic, 10 on PRO, unlimited on PRO+.[11][22]
Tax	PartlyA CSV export of closed trades and reward income (Pro). No tax report and no country forms.	PartlyA Gains Reporting module (PRO+) shows realised and unrealised gains and cost basis and exports a report for records or taxes. No country forms are named.[1][2][22]
NFTs and DeFi positions	NoNot tracked.	PartlyNFTs: yes, as an asset class since 2022, imported from wallets with a toggle or added by hand. DeFi: no position tracking; staking rewards, farming yields and airdrops are not imported by exchange APIs and go in by hand or by CSV.[18][13][19]
Stocks, cash and other assets	NoCrypto only.	YesStocks, ETFs and funds, indices, forex, commodities and crypto, valued in 150+ fiat currencies, with broker and bank connections such as Société Générale, N26 and Trade Republic. Property is not mentioned.[22][18][6]
Platforms	PartlyWeb app that installs on a phone or desktop (PWA). No app-store apps.	YesiOS and Android apps, Windows and Mac desktop apps, and a web version; desktop and web need a linked eToro account to sign in.[20][7][21][23]
Company	YesRatioNexF OÜ, Tallinn, Estonia (registry code 17605569), registered 2026. The product has been live in beta since 10 October 2026.	YesOperated by Opus Labs NV (the App Store says Opus Labs CVBA) in Ghent, Belgium, about twenty people, under Belgian law. Live since September 2017; part of the eToro Group since 2019 and renamed Delta by eToro.[8][10][25][23]
Trade ideas or ratings	NoNone. RatioNexFlow measures and flags; it never tells you what to do.	PartlyAsset Analytics (PRO) shows analyst ratings for stocks and price-driver explanations; a PRO+ on-chain module presents a composite score framed as trade indicators; there are "Why is it moving?" explanations, insider-transaction alerts and a weekly analyst update. Delta calls itself a tracker, not a brokerage.[1][4][24]
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.	YesThe privacy policy on delta.app is the eToro group policy: data processed and stored in the EU and other countries including the UK, with standard contractual clauses for transfers out. Delta's help centre says portfolio data stays on Delta's servers under the device ID and is not shared with eToro; exchange keys stay on the device.[9][21][12]

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 Delta's site

A total count of supported exchanges, brokers and wallets: the site lists them one by one; the app stores say 200+.
Whether price alerts can also go out by e-mail.
Which countries or tax forms Gains Reporting covers.
Where Delta's own servers are: the privacy policy on delta.app is eToro's group policy.

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.

Delta: PRO at $6.99 a month or $53.88 a year: up to 40 assets, Asset Analytics, auto-refreshing prices and four Portfolio Insights modules. PRO+ at $13.99 a month or $107.88 a year, or $299 once for life: unlimited assets and portfolios, all eleven modules, real-time quotes, Gains Reporting and unlimited Delta AI. Website prices; app-store prices and other locations can differ. eToro Club members get PRO or PRO+ included.[1][2][22]

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