How to Track a Stock and Crypto Portfolio in One Place

To track a stock and crypto portfolio in one place, pull every account into a single view: connect exchanges with read-only API keys, add wallets by their public address, import broker statements as CSV, convert everything to one base currency (EUR, if you live in the eurozone) and calculate cost basis with one consistent method, usually FIFO. This guide covers spreadsheets versus apps, how to create safe keys on Bybit, Binance and Coinbase, and what to actually look at once everything is in one place.

Why put it all together

A typical retail investor in 2026 has some crypto on Bybit, some on Binance, a little on Coinbase, a Ledger in a drawer, stocks and ETFs at Revolut or another broker, and euros in the bank. Each app shows its own slice and its own return. None of them answers the simple questions:

• How much do I have in total, and how much have I made since I started?
• What share is crypto and what share is stocks?
• Is too much sitting in one asset?
• How much tax would I owe if I sold today?

While accounts are scattered, people answer these by gut feeling, and the mistakes tend to be expensive ones.

Spreadsheet or app

A spreadsheet works with three positions and one exchange. With hundreds of trades and five sources it breaks quietly: one missed fee or forgotten transfer between exchanges, and your cost basis is wrong from then on.

How to connect sources safely

Exchanges: read-only keys only

An API key is access to your account without a password. A tracker only needs to read balances and history. A key with trading or withdrawal rights lets whoever holds it trade or move your funds, so never hand one to a tracking service.

Menus change, but as of October 2026 the paths are:

• Bybit: profile icon → API → Create New Key → System-generated API Keys → permissions Read-Only. The secret is shown only once.
• Binance: profile → Account → API Management → Create API → System generated. Under API restrictions keep only Enable Reading; leave Spot & Margin Trading, Withdrawals and Futures unticked.
• Coinbase: developer portal portal.cdp.coinbase.com → API Keys → Secret API Keys → Create API key. Permission View only (not Trade or Transfer), signature algorithm ECDSA.

If a screen looks different, follow the exchange's own help centre rather than a third-party guide.

Wallets: the public address

For a Ledger, Trezor or MetaMask you never need the seed phrase. A public address (0x… for Ethereum and compatible chains, bc1… for Bitcoin) or an extended public key (xpub) that covers every address of a Bitcoin wallet is enough. A public address can only be used to look. Any service asking for your seed phrase or private key is a scam.

Brokers: CSV statements

Many brokers have no public API for clients, but all of them let you download an account statement as CSV or Excel. Import it monthly or quarterly. Export the full history from your first trade: without the old purchases, cost basis can't be right.

One base currency and FX

Crypto trades against USDT, US stocks in dollars, European ETFs in euros. To add them up you need one base currency. If you live in Spain, Portugal or Germany, that is the euro, because your taxes are calculated in it.

The catch is that your return in dollars and in euros can differ a lot. Example: 10 shares bought at $150 when EUR/USD was 1.10 cost €1,363.64. Today they trade at $200 and the rate is 1.16, so they're worth €1,724.14. In dollars that's +33.3 %, in euros only +26.4 %. The currency ate part of the gain. So each purchase is converted at the rate on the day of the trade and today's value at today's rate; the ECB reference rates are the usual official source.

Cost basis and FIFO, worked example

Cost basis is what you paid for what you hold, including fees. It drives both your return and your tax. The common methods are FIFO (first in, first out) and average cost. Spain requires FIFO for tax, applied across all your accounts for the same asset; see crypto tax in Spain for details.

Example. You buy 0.1 BTC at €30,000 (€3,000), then another 0.1 BTC at €50,000 (€5,000). Later you sell 0.15 BTC at €60,000 and receive €9,000.

That €500 difference in gain is a difference in tax. Pick one method and use it consistently. For measuring the whole portfolio's performance with deposits and withdrawals, read how to calculate portfolio return.

Two more traps: moving coins between your own accounts is not a sale and must not change cost basis, and coins that arrive in a wallet with no purchase history can only get an estimated cost.

What to watch once it's all in one place

A combined portfolio is useful for the answers it gives:

• Allocation: the share of stocks, crypto and cash, compared with what you decided you want.
• Concentration: if one asset is 40 % or more, its drawdown becomes your portfolio's drawdown.
• Idle cash: euros and stablecoins sitting for months with no plan lose purchasing power to inflation.
• Unrealised gains and losses per position and, near year end, which losses you could realise to lower your tax.
• Foreign assets: Spanish tax residents with more than €50,000 abroad may need to file, see Modelo 720 and 721.

A sample summary:

Two things jump out: more than half of the money is in crypto, and €2,500 of cash, almost 15 %, isn't doing anything. Neither is visible while you look at each app on its own.

Security checklist

1. Exchange keys are read-only. No trading, no withdrawals, no transfers.
2. One key per service, clearly named, so you can revoke it without touching the rest.
3. Restrict keys to IP addresses where the service supports it.
4. Never type a seed phrase or private key anywhere except the wallet itself.
5. Turn on two-factor authentication on exchanges and in the tracker.
6. Every six months, review the API keys on each exchange and delete the ones you no longer use.
7. Check that the tracker stores keys encrypted and lets you delete a connection together with its data.

Quick setup checklist

1. List every account: exchanges, brokers, wallets, bank.
2. Choose a base currency and a cost basis method (FIFO for Spain).
3. Connect exchanges with read-only keys, wallets by address, brokers with a full-history CSV.
4. Reconcile: balances in the summary should match balances on each platform.
5. Monthly, check allocation, concentration and cash; yearly, run the tax report.

How Signae helps

Signae puts your stocks and crypto on one screen, in euros:

• Bybit, Binance and Coinbase connect with read-only keys. Keys with trading or withdrawal rights are rejected, stored keys are encrypted, and balances refresh by themselves every 30 minutes.
• Wallets by public address: Ethereum and compatible chains (BNB Chain, Polygon, Arbitrum, Optimism, Base, Avalanche), Bitcoin (address or xpub from Ledger or Trezor), Solana and Tron.
• Revolut brokerage statements via CSV import; anything else can be added as a manual transaction.
• FIFO cost basis, ECB exchange rates, a value chart, realised and unrealised gains, income from dividends and staking.
• Home-screen insights: idle cash, concentration in one asset, big moves, and in the last quarter which losses could reduce your tax.
• Tax reports for Spain, Portugal and Germany, and an AI assistant that looks at your actual portfolio.

The app is in closed beta: request an invite.