UnFee Coin Tracker & Tax Studio
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UnFee Coin Tracker & IRS Form 8949 Tax Studio — Live Multi-Chain Portfolio, Tax-Loss Harvesting & CPA Suite
Sync unlimited Base (0x...), Ethereum (0x...), and XRPL (r...) wallets or drag-and-drop raw Coinbase, Robinhood, Kraken, or Binance CSVs. No account creation and no recurring subscriptions — pay once and export CPA-ready IRS Form 8949, Schedule D, TurboTax, H&R Block, TaxAct, and QuickBooks files.
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Tier 2 • Single-Year Export
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$19 one-time (2020–2026+)
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Every export carries an atomic X-UnFee-Proof-Of-Delivery SHA-256 verification header.
Verifiable CPA Audit Report QR
Scan to open or share this portfolio's HIFO/FIFO Schedule D & 1099-DA reconciliation report.
Live Portfolio Net Worth
$34482.50
Net Short-Term (≤ 365d • Box B)
-466.50
Net Long-Term (> 365d • Box D)
+0.00
Net Capital Gain / Loss
-466.50
Est. Federal Tax Liability
44.52
Ordinary Crypto Income
$185.50
Self-Transfers Auto-Matched
2 ($0 False Tax)
Est. Tax Saved (HIFO vs FIFO)
+$1698.24 Saved
Saved vs. CoinTracker ($199)
$180.00 Saved (90.5% Off)
Live Multi-Chain Portfolio Holdings & Cost-Basis Tracker
Real-time balances, weighted average cost basis, and unrealized PnL across Base, Ethereum, and XRPL.
| Asset & Network | Live Balance | Spot Price | Market Value | Total Cost Basis | Unrealized PnL | Allocation |
|---|---|---|---|---|---|---|
| ETH (Base Mainnet) | 4.0000 | $2680.00 | $10720.00 | $10125.00 (@$2531.25) | +$595.00 (+5.9%) | 31.1% |
| BTC (Bitcoin Mainnet) | 0.0800 | $68500.00 | $5480.00 | $5110.00 (@$63875.00) | +$370.00 (+7.2%) | 15.9% |
| WBTC (Ethereum Mainnet) | 0.0600 | $68500.00 | $4110.00 | $3740.00 (@$62333.33) | +$370.00 (+9.9%) | 11.9% |
| XRP (XRP Ledger) | 3300.00 | $0.94 | $3102.00 | $2634.00 (@$0.80) | +$468.00 (+17.8%) | 9.0% |
| SOL (Solana Mainnet) | 16.00 | $175.00 | $2800.00 | $2520.00 (@$157.50) | +$280.00 (+11.1%) | 8.1% |
| AERO (Base Mainnet) | 2000.00 | $1.02 | $2040.00 | $2050.00 (@$1.02) | -$10.00 (-0.5%) | 5.9% |
| BNB (BNB Smart Chain) | 2.5000 | $590.00 | $1475.00 | $1420.00 (@$568.00) | +$55.00 (+3.9%) | 4.3% |
| AVAX (Avalanche C-Chain) | 50.00 | $27.50 | $1375.00 | $1320.00 (@$26.40) | +$55.00 (+4.2%) | 4.0% |
| POL (Polygon PoS) | 2500.00 | $0.45 | $1125.00 | $1150.00 (@$0.46) | -$25.00 (-2.2%) | 3.3% |
| OP (Optimism) | 600.00 | $1.75 | $1050.00 | $1010.00 (@$1.68) | +$40.00 (+4.0%) | 3.0% |
| ARB (Arbitrum One) | 1200.00 | $0.85 | $1020.00 | $1024.00 (@$0.85) | -$4.00 (-0.4%) | 3.0% |
| USDC (Base Mainnet) | 120.00 | $1.00 | $120.00 | $120.00 (@$1.00) | +$0.00 (+0.0%) | 0.3% |
| RLUSD (XRP Ledger) | 65.50 | $1.00 | $65.50 | $65.50 (@$1.00) | +$0.00 (+0.0%) | 0.2% |
🦄 DeFi Position-Level PnL & IRS Fee Ledger • Drop-In Zapper API Replacement ($0.001/call x402)
DeFi Positions, Impermanent Loss & Deductible Swap/Bridge Fee Ledger
Tracks active & closed positions across Uniswap V3, Aerodrome Slipstream CL, Aave V3, Morpho Blue, Moonwell, and Pendle PT/YT with entry cost-basis, Impermanent Loss vs. LP fees, projected APY, and automatic IRS Form 8949 Column (e) swap/bridge fee deductions.
Active DeFi Value (6 Protocols)
19804.40
Net Position PnL (Unrealized + Realized)
+2967.00
LP Fees Earned vs. Impermanent Loss
+2186.15 / -194.40 IL
Projected 12M DeFi Yield (Net APY)
+3879.31/yr (19.6%)
Deductible Swap/Bridge/Gas Fees
+688.60 Col (e)
IRS Tax Saved from Fee Ledger (37%)
+254.78 Saved
| Protocol & Pool / Market | Entry Cost Basis & Open Date | Current Value | Position PnL & Unclaimed Yield | LP Fees vs. Impermanent Loss | Net APY & 12M Projection | Lifecycle Status |
|---|---|---|---|---|---|---|
| Uniswap V3 (BASE) USDC / WETH 0.05% Concentrated LP (NFT #1842910) |
4200.00 Opened 2026-06-14 |
$4685.40 | +700.20 Unclaimed: +68.25 |
Fees +282.90 / IL -74.60 (Net +208.30) | 24.8% APY (+$1161.98/yr) | ACTIVE • OPEN |
| Aerodrome Slipstream CL (BASE) USDC / AERO CL100 Gauge Staked LP |
3150.00 Opened 2026-07-03 |
$3592.20 | +631.60 Unclaimed: +94.10 |
Fees +318.50 / IL -52.30 (Net +266.20) | 38.4% APY (+$1379.40/yr) | ACTIVE • OPEN |
| Aave V3 (BASE) aBasUSDC Supply ($5,500) / variableDebtBasWETH Borrow ($1,850) • HF 1.94 |
3500.00 Opened 2026-05-19 |
$3650.00 | +212.15 Unclaimed: +31.40 |
Yield +181.40 (0 IL) | 8.7% APY (+$315.73/yr) | ACTIVE • OPEN |
| Morpho Blue (BASE) cbBTC / USDC Isolated Market (86% LLTV Vault) • HF 1.78 |
2800.00 Opened 2026-08-01 |
$3045.80 | +293.80 Unclaimed: +42.60 |
Yield +245.80 (0 IL) | 11.9% APY (+$362.45/yr) | ACTIVE • OPEN |
| Moonwell (BASE) mUSDC + mVIRTUAL Supply & WELL Incentives • HF 2.15 |
1950.00 Opened 2026-08-22 |
$2118.50 | +207.70 Unclaimed: +27.90 |
Yield +168.50 (0 IL) | 10.4% APY (+$220.32/yr) | ACTIVE • OPEN |
| Pendle PT/YT (ETHEREUM) PT-sUSDe (26DEC2026 Maturity) Fixed-Yield Principal Token |
2500.00 Opened 2026-07-29 |
$2712.50 | +212.50 Unclaimed: +54.00 |
Yield +212.50 (0 IL) | 16.2% APY (+$439.43/yr) | ACTIVE • OPEN |
| Uniswap V3 (BASE) WETH / cbBTC 0.30% Concentrated LP (Closed NFT #1610402) |
3000.00 Opened 2026-04-10 |
$0.00 (Exited) | +412.65 Unclaimed: +0.00 |
Fees +451.05 / IL -38.40 (Net +412.65) | Realized | CLOSED • 2026-09-18 |
| Aerodrome Slipstream CL (BASE) VIRTUAL / WETH CL200 Gauge (Closed Position #81022) |
1800.00 Opened 2026-06-01 |
$0.00 (Exited) | +296.40 Unclaimed: +0.00 |
Fees +325.50 / IL -29.10 (Net +296.40) | Realized | CLOSED • 2026-10-11 |
🧾 IRS Form 8949 Column (e) Deductible Swap, Bridge & Network Gas Fee Ledger
DeBank VIP ($15/mo) and CoinStats ($49/mo API) ignore historical DEX LP swap commissions and cross-chain bridge relayer fees. UnFee automatically adds +688.60 to your IRS Form 8949 Column (e) cost basis, saving +165.26 (24% bracket) to +254.78 (37% bracket).
| Venue & Fee Source | Fee Category | Cumulative Volume & Rate | Deductible Fee Amount | IRS Form 8949 Treatment |
|---|---|---|---|---|
| Uniswap V3 (USDC/WETH & WETH/cbBTC Swaps) (BASE) Cumulative 5–30 bps LP swap commissions across 48 rebalance & entry/exit trades |
DEX SWAP FEE | 164,200.00 (15 bps) | +246.30 | Added to Column (e) Cost Basis ✅ |
| Aerodrome Slipstream CL (AERO/USDC & VIRTUAL/WETH) (BASE) Cumulative CL100/CL200 pool swap fees & gauge deposit/withdrawal routing fees |
DEX SWAP FEE | 92,400.00 (20 bps) | +184.80 | Added to Column (e) Cost Basis ✅ |
| Across Protocol & Relay.link (Ethereum <-> Base Bridges) (ETHEREUM) Cross-chain relayer + LP liquidity fees bridging USDC & WETH between Ethereum and Base |
CROSS CHAIN BRIDGE FEE | 68,500.00 (14 bps) | +95.90 | Added to Column (e) Cost Basis ✅ |
| Stargate V2 & Native XRPL Bridge Relayers (BASE) Cross-chain messaging + settlement relayer fees for multi-chain capital rotation |
CROSS CHAIN BRIDGE FEE | 41,000.00 (12 bps) | +49.20 | Deducted from Column (d) Proceeds ✅ |
| Base L2 Sequencer + Ethereum L1 EIP-1559 Execution Gas (ETHEREUM) Direct transaction execution & approval gas directly attributable to capital asset acquisitions/disposals |
NETWORK GAS FEE | 366,100.00 (3.1 bps) | +112.40 | Added to Column (e) Cost Basis ✅ |
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🔔 100% Read-Only Multi-Chain Watchlist • AES-256-GCM Encrypted Delivery • Zero Wallet Connect
🔔 Live Wallet, Whale Transfer, Address-Poisoning & Tax-Lot Milestone Alerts
Monitor any public Base (0x...), Ethereum (0x...), or Native XRPL (r...) wallet 24/7. Get instant alerts on incoming/outgoing transfers, lookalike address-poisoning dust attacks, 365-day Long-Term Capital Gains tax-rate milestones, and DeFi liquidation health factors (HF < 1.25).
🔒 Active Encrypted Watchlist Rules (1)
| Rule ID | Watched Wallets | Delivery Channel & Masked Target | Enabled Alert Triggers | Security & Status |
|---|---|---|---|---|
| ALRT-AF41071966 | 0xAF41...dFd0, rnu5q4...PgfE | EMAIL → Da***@gmail.com | 4 Active Triggers (Whale, Poisoning, 365d LTCG, DeFi HF < 1.25) | 🔒 AES-256-GCM • ACTIVE_WATCHING |
⚡ Recent Triggered Wallet, Security & Tax-Lot Events
| Timestamp & Chain | Alert Category | Event Summary & Tax / Security Impact | Automated Action |
|---|---|---|---|
| 2026-10-28 06:22:45 UTC Base Mainnet |
TRANSFER WHALE | 💸 [LIVE TEST ALERT] Whale & Settlement Movement on 0xAF41...dFd0 (+$4,850.00 USDC) Detected live settlement on 0xAF41...dFd0 → al***@unfee.xyz: +$4,850.00 USDC & 1,500 XRP indexed in real time with Rev. Proc. 2024-28 cost-basis lot tracking. |
Delivered via EMAIL (38ms) ✅ |
| 2026-10-28 01:42:10 UTC Base Mainnet |
TRANSFER WHALE | 🐋 Incoming Transfer & Whale Settlement (+$4,850.00 USDC & 1,500 XRP) Watched wallet 0xAF41...PgfE received +4,850.00 USDC on Base Mainnet & settled 1,500 XRP on XRPL DEX (rnu5q4...PgfE). Cost-basis lot automatically indexed. |
Indexed in Form 8949 Lot #4 |
| 2026-10-28 01:18:44 UTC Base Mainnet |
ADDRESS POISONING | 🛡️ Address-Poisoning & Phishing Dust Attempt Blocked (0xAF41...0000PgfE) Quarantined 0.000001 fake USDC vanity-spoof transfer from lookalike address 0xAF41...0000PgfE. Excluded from copy-paste history and IRS Form 8949 disposals. |
Quarantined & Blocked ✅ |
| 2026-10-28 00:55:00 UTC Base Mainnet |
TAX LOSS AND LTCG MILESTONE | ⏳ 5 Days Until 365-Day Long-Term Capital Gains Threshold + $551.88 Harvestable Loss 2.0 ETH lot acquired 2025-11-02 crosses the 365-day Long-Term Capital Gains threshold in 5 days (tax rate drops from 37% Short-Term → 15% Long-Term, saving +$1,144.00). Plus $551.88 underwater lot ready for IRC §1091 harvest. |
Hold 5d for 15% LTCG / Harvest Loss |
| 2026-10-28 00:12:30 UTC Base Mainnet |
DEFI HEALTH AND LP RANGE | ⚠️ DeFi Health Factor Proximity (Moonwell HF 1.21 < 1.25) & Aerodrome CL Range Alert Moonwell WETH/USDC borrow Health Factor is at 1.21 (below 1.25 safe alert threshold) and Aerodrome Slipstream WETH/USDC CL LP is within 1.8% of upper tick boundary. |
Rebalance LP / Add Collateral |
⚡ Live Tax-Loss Harvesting Scanner & IRS Form 1099-DA Audit Readiness
Identifies underwater lots eligible for harvesting before Dec 31 under 2026 IRC §1091 rules and verifies Rev. Proc. 2024-28 per-wallet cost-basis allocation.
37% Bracket Tax Savings: +$691.90
IRS 1099-DA: READY ✅
| Asset & Lot Size | Date Acquired & Term | Cost Basis | Current Value | Harvestable Loss | Tax Savings (24% / 32% / 37% Bracket) | 1099-DA & IRC §1091 Status |
|---|---|---|---|---|---|---|
| 300 XRP (XRP Ledger) | 2026-01-22 (278d • SHORT-TERM) | $444.00 | $282.00 | -$162.00 | +$38.88 / +$51.84 / +$59.94 | IRC §1091 READY ✅ |
| 1000 XRP (Base Mainnet) | 2026-05-04 (176d • SHORT-TERM) | $1150.00 | $940.00 | -$210.00 | +$50.40 / +$67.20 / +$77.70 | IRC §1091 READY ✅ |
| 1000 AERO (Base Mainnet) | 2026-08-05 (83d • SHORT-TERM) | $1200.00 | $1020.00 | -$180.00 | +$43.20 / +$57.60 / +$66.60 | IRC §1091 READY ✅ |
| 0.03 BTC (Bitcoin Mainnet) | 2026-02-28 (241d • SHORT-TERM) | $2160.00 | $2055.00 | -$105.00 | +$25.20 / +$33.60 / +$38.85 | IRC §1091 READY ✅ |
| 0.02 WBTC (Ethereum Mainnet) | 2026-02-10 (259d • SHORT-TERM) | $1420.00 | $1370.00 | -$50.00 | +$12.00 / +$16.00 / +$18.50 | IRC §1091 READY ✅ |
| 400 ARB (Arbitrum One) | 2026-01-25 (275d • SHORT-TERM) | $448.00 | $340.00 | -$108.00 | +$25.92 / +$34.56 / +$39.96 | IRC §1091 READY ✅ |
| 1000 POL (Polygon PoS) | 2026-02-14 (255d • SHORT-TERM) | $580.00 | $450.00 | -$130.00 | +$31.20 / +$41.60 / +$48.10 | IRC §1091 READY ✅ |
| 6 SOL (Solana Mainnet) | 2026-03-22 (219d • SHORT-TERM) | $1170.00 | $1050.00 | -$120.00 | +$28.80 / +$38.40 / +$44.40 | IRC §1091 READY ✅ |
| 200 OP (Optimism) | 2026-03-04 (237d • SHORT-TERM) | $430.00 | $350.00 | -$80.00 | +$19.20 / +$25.60 / +$29.60 | IRC §1091 READY ✅ |
| 1 BNB (BNB Smart Chain) | 2026-03-19 (222d • SHORT-TERM) | $640.00 | $590.00 | -$50.00 | +$12.00 / +$16.00 / +$18.50 | IRC §1091 READY ✅ |
| 20 AVAX (Avalanche C-Chain) | 2026-04-08 (202d • SHORT-TERM) | $660.00 | $550.00 | -$110.00 | +$26.40 / +$35.20 / +$40.70 | IRC §1091 READY ✅ |
| 0.5 ETH (Base Mainnet) | 2025-11-20 (341d • SHORT-TERM) | $1725.00 | $1340.00 | -$385.00 | +$92.40 / +$123.20 / +$142.45 | IRC §1091 READY ✅ |
| 1.5 ETH (Base Mainnet) | 2026-03-12 (229d • SHORT-TERM) | $4200.00 | $4020.00 | -$180.00 | +$43.20 / +$57.60 / +$66.60 | IRC §1091 READY ✅ |
IRS Form 8949 — Matched Capital Disposals (HIFO)
| Description (a) | Date Acquired (b) | Date Sold (c) | Proceeds (d) | Cost Basis (e) | Gain / Loss (h) | Term & IRS Box | On-Chain TxHash |
|---|---|---|---|---|---|---|---|
| 1.5000 ETH | 2025-11-20 | 2026-07-18 (240d) | $5400.00 | $5175.00 | +$225.00 | SHORT-TERM • Box B (Short-Term) | 0xd471f215f734... |
| 400.00 ARB | 2026-01-25 | 2026-07-29 (185d) | $380.00 | $448.00 | -$68.00 | SHORT-TERM • Box B (Short-Term) | 0xarb1sell3334... |
| 500.00 POL | 2026-02-14 | 2026-08-11 (178d) | $240.00 | $290.00 | -$50.00 | SHORT-TERM • Box B (Short-Term) | 0xpoly137sell3... |
| 0.0200 WBTC | 2026-02-10 | 2026-08-19 (190d) | $1370.00 | $1420.00 | -$50.00 | SHORT-TERM • Box B (Short-Term) | 0xeth1wbtcsell... |
| 4.0000 SOL | 2026-03-22 | 2026-08-24 (155d) | $740.00 | $780.00 | -$40.00 | SHORT-TERM • Box B (Short-Term) | 5SolanaSigSell... |
| 200.00 OP | 2026-03-04 | 2026-09-02 (182d) | $370.00 | $430.00 | -$60.00 | SHORT-TERM • Box B (Short-Term) | 0xop10sell3334... |
| 1200.00 XRP | 2026-01-22 | 2026-09-10 (231d) | $1620.00 | $1776.00 | -$156.00 | SHORT-TERM • Box B (Short-Term) | C3D4E5F6071829... |
| 0.0200 BTC | 2026-02-28 | 2026-09-12 (196d) | $1380.00 | $1440.00 | -$60.00 | SHORT-TERM • Box B (Short-Term) | b3c4d5e6f7a809... |
| 0.5000 BNB | 2026-03-19 | 2026-09-18 (183d) | $302.50 | $320.00 | -$17.50 | SHORT-TERM • Box B (Short-Term) | 0xbsc56sell333... |
| 10.00 AVAX | 2026-04-08 | 2026-09-25 (170d) | $290.00 | $330.00 | -$40.00 | SHORT-TERM • Box B (Short-Term) | 0xavax43114sel... |
| 1000.00 AERO | 2026-02-19 | 2026-10-01 (224d) | $1500.00 | $1650.00 | -$150.00 | SHORT-TERM • Box B (Short-Term) | 0xaa44d5e6f708... |
Non-Taxable Self-Transfer Auto-Matcher & Spam/Poisoning Filter
🛡️ 3 Spam / Address-Poisoning Dust Transfers Quarantined & ExcludedUnlike legacy tax tools that falsely flag wallet-to-wallet transfers as taxable sales, UnFee automatically links your Base and XRPL wallets and carries over your original acquisition date and cost basis.
| Asset & Amount | Wallet Route | Original Date Acquired | Carried Cost Basis | Tax Classification |
|---|---|---|---|---|
| 1.50 ETH ($4650.00) | 0xAF41071966... → 0x04A72616B1... | 2025-09-14 | $3150.00 | NON-TAXABLE SELF-TRANSFER ✅ |
| 1000.00 XRP ($1300.00) | rnu5q4je3Pp7... → 0xAF41071966... | 2024-05-10 | $520.00 | NON-TAXABLE SELF-TRANSFER ✅ |
Head-to-Head Comparison: UnFee vs. CoinTracker, Koinly & CoinLedger
| Feature / Plan | UnFee Coin Tracker & Tax Studio | CoinTracker | Koinly | CoinLedger |
|---|---|---|---|---|
| Live Multi-Chain Portfolio Tracker | $0 Free Forever (Unlimited Wallets) | Limited / Paid Tiers | Free Preview Only | Free Preview Only |
| Unlimited Transactions Tax Filing (Form 8949 + TurboTax) | $10 One-Time / Tax Report (Unlimited Txs, No Subscription) | $199 – $599 / year | $179 – $279 / year | $99 – $199 / year |
| All-Years Access + Live Tax-Loss Harvesting + 1099-DA Pack | $19 One-Time All-Years Pass (Never Auto-Renews) | $599 / year (Ultra) | $279 / year + Per-Year Fees | $199 / year |
| Base + XRPL Cross-Chain Self-Transfer Matching & x402 PoD | ✅ Included Native | ❌ Manual Fixes Required | ⚠️ Partial | ❌ Manual CSV Edits |
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