Why crypto and fiat should share a balance sheet
Net worth is what you own minus what you owe. If meaningful wealth sits in a bank, cash, Bitcoin, stablecoins, and investments, reviewing only one system gives an incomplete answer. Crypto can look large inside an exchange while debt and near-term fiat obligations remain invisible.
A consolidated view helps answer practical questions: How much is liquid? How concentrated is wealth in crypto? Which currency pays upcoming expenses? Does a loan reduce the apparent gain? The purpose is not to predict markets; it is to keep different assets inside one honest frame.
All Banks lets users enter supported crypto manually beside bank balances, cash, investments, and liabilities. It does not connect to wallets or exchanges and never requests a seed phrase, private key, or trading credential.
Keep units and values separate
A crypto holding has a quantity and a reporting value. Record the quantity in its native unit—such as BTC or ETH—and convert it for the current balance sheet. Do not replace the owned quantity with yesterday's dollar value; otherwise price changes become indistinguishable from deposits and withdrawals.
Fiat deserves the same discipline. Keep a euro bank balance in euros and a dollar cash reserve in dollars. Use one chosen currency for the consolidated total while retaining source amounts. That allows the dashboard to show net worth without pretending every asset has the same risk or purpose.
Stablecoins require judgment. Their name does not eliminate issuer, reserve, platform, regulatory, or de-pegging risk. Record USDT or USDC as distinct holdings rather than silently treating them as insured bank dollars.
- Record native crypto quantities
- Preserve each fiat account's original currency
- Choose one reporting currency for the snapshot
- Include liabilities and upcoming payments
- Review concentration rather than only total value
What one app should not try to replace
A net worth tracker is not an exchange. It should not hold assets, execute trades, manage keys, or become the only record of wallet ownership. Use wallets and exchanges for custody and operations according to your own security requirements.
It is also not crypto tax software. Cost basis, lots, transfers between wallets, fees, staking income, and jurisdiction-specific treatment require transaction-level records that a manual balance snapshot does not provide. Keep appropriate exchange exports and consult qualified professionals when needed.
Portfolio analytics are another specialist job. All Banks supports BTC, ETH, USDT, and USDC as manual holdings; it is not suitable for hundreds of tokens, DeFi positions, NFTs, derivatives, or real-time on-chain monitoring. A broader crypto tracker may be the correct tool for those needs.
A privacy-first workflow without wallet connections
Create a separate account for each meaningful holding or custody context, but use a neutral label if displaying the app in public. Enter quantities and update values on a consistent review date. A crypto workspace can isolate the category while allowing it to appear in total net worth.
Never paste a seed phrase, private key, recovery code, or exchange password into notes. A read-only balance does not require access secrets. If exact wallet addresses create personal risk, do not store them either; use the minimum information needed to identify the account privately.
Records remain local in All Banks by default. Optional encrypted Cloud Sync and exported backups must still be secured through strong account protection and careful file handling. Privacy-first software does not replace basic device security.
How often to update volatile assets
Update frequency should match the decision. A long-term holder reviewing overall allocation may update weekly or monthly. Someone preparing a major purchase or measuring collateral risk may need a current snapshot. A manual app will not provide alerts between reviews.
Avoid reacting to every price movement simply because the dashboard makes it visible. The record should support a pre-existing review process, not create a new trading signal. All Banks does not give investment advice or predict future prices.
When volatility is high, add context: the timestamp, reporting currency, and whether the value comes from a particular market reference. A dated PDF is more honest than an unlabeled screenshot because it makes clear that the figure belongs to one moment.
Who benefits from a combined view
A combined tracker is useful for freelancers paid partly in stablecoins, founders holding business cash and crypto, expats moving value between currencies, and long-term holders who also have mortgages or other debt. It prevents one asset category from becoming the entire story.
Choose a connected portfolio platform if automatic prices, broad token support, wallet discovery, tax lots, or performance attribution are central. Choose separate apps if the security boundary between banking and crypto is more important than convenience.
Choose All Banks when you want a deliberately manual balance sheet across fiat, four supported crypto assets, loans, and multiple currencies on iPhone, iPad, or Mac. The value is the consolidated private snapshot—not trading, custody, or exhaustive crypto analytics.
