Bitledger · Comparison
Bitledger vs. Waltio: the same DeFi wallets, two results
Four wallets with liquidity pools, lending, cross-chain and liquid staking, imported into both tools under the same conditions. Here is what came out without manual work, which transactions were classified wrongly, and where Waltio is the better choice. Bitledger was measured again after fixes; how it did on the same day as Waltio is under the first table.
At a glance
| Bitledger | Waltio | |
|---|---|---|
| Measured on | 29 October 2026 | 25 October 2026 |
| Test wallets imported | 4 of 4 | 3 of 4 |
| Correct in the sample (15 transactions per wallet) | 98.3% (59 of 60) | 53.3% (24 of 45) |
| Transactions recognised | 99% | not measured |
| Holdings match the chain | 2 of 4 wallets checked | not measured |
Rates cover the wallets whose chain the provider offers; a failed import counts as 0 of 15. Recognised transactions and holdings could only be counted where the free plan offers an export or its own holdings check; otherwise the cell says “not measured”. Bitledger on 25 October 2026, measured on the same day as the others: 61.7% (37 of 60) in the sample.
What Waltio classified differently
| Transaction | Waltio | Correct would be | Effect |
|---|---|---|---|
| Swap of USDC for WBTC (wallet B) | Booked as “Transfer between accounts” | An exchange; the WBTC takes the value of the USDC as its cost basis | CHF 36 |
| Return from one of the wallet's helper accounts (400 aGnoEURe) (wallet C) | Booked as a deposit from outside | Internal transfer | CHF 367 |
| Bridge outflow (Across) to the holder's own address (wallet A) | Booked as a withdrawal | Internal transfer; the cost basis of the 0.01 ETH carries over | CHF 20 |
Per wallet
Wallet A: Lending and borrowing on Aave, liquidity in and out, bridges to the holder's own address
| Bitledger | Waltio | |
|---|---|---|
| Correct in the sample (of 15) | 15 | 7 |
| Transactions recognised | 100% | not measured |
| Holdings match the chain | yes | not measured |
Wallet B: Lending and borrowing on Aave with WETH, WBTC and stablecoins, swaps
| Bitledger | Waltio | |
|---|---|---|
| Correct in the sample (of 15) | 14 | 9 |
| Transactions recognised | 99.5% | not measured |
| Holdings match the chain | no | not measured |
Bitledger: Holdings: ETH dust differs by USD 0.004; wrong in the sample: a spam airdrop booked as income (CHF 0).
Wallet C: Aave with a euro stablecoin, liquid staking (osGNO), cross-chain swaps
| Bitledger | Waltio | |
|---|---|---|
| Correct in the sample (of 15) | 15 | 8 |
| Transactions recognised | 96.6% | not measured |
| Holdings match the chain | yes | not measured |
Wallet D: Cross-chain assets from Bitcoin, Ethereum and BNB Chain, LP tokens, liquid staking
| Bitledger | Waltio | |
|---|---|---|
| Correct in the sample (of 15) | 15 | chain not supported |
| Transactions recognised | 100% | chain not supported |
| Holdings match the chain | no | chain not supported |
Bitledger: Holdings: −0.21 ZETA, one credit from the protocol is missing. Waltio: ZetaChain is not offered.
Features
| Bitledger | Waltio | |
|---|---|---|
| Report for the Swiss tax return (CHF) | yes | Swiss tax residence, CHF; report not checked |
| Tax value at 31 December shown | yes | not measured |
| Price list of the Federal Tax Administration (ESTV) | Noted in the report, prices from CoinGecko | not measured |
| Note on professional trading (circular 36) | yes | not measured |
| Reason shown for every classification | yes | not measured |
| Holdings checked against the chain | yes | not measured |
| Price for up to 1,000 transactions a year | not measured | not measured |
Where Waltio is better
- Switzerland can be chosen as tax residence, with CHF.
- Filters for scam tokens and small amounts are on by default.
- Does not count EURe on Gnosis twice, and recognises a Uniswap v2 withdrawal as “Withdrawal of liquidity”.
All five tools side by side, and how we tested: The full comparison