Crypto as a first-class currency
On the Pro plan cryptocurrencies count among the same nine tracked currencies as regular ones. A crypto entry is an ordinary bookkeeping record, not a separate universe.
Use case: crypto
Crypto inside the big money picture, not in a separate universe
Keep part of your savings in crypto and the overall picture falls apart: several wallets, a stale rate in your head, “how much do I have in total” becomes a guess. Finance Flow 365 records crypto next to regular currencies and shows the total in the currency you think in.
Start freeWhy crypto falls out of the books
For a person with crypto, money lives in two worlds. The first is familiar: salary, rent, groceries. The second has its own units, its own wallets and exchanges, and a rate that changes while you read this sentence. The brain refuses to add these worlds into one number.
The usual compromise: “I just don’t count the crypto.” Sounds harmless, but it is a hole in the picture. Buy crypto with your salary card and the regular books show money that vanished. Sell and spend, and money appears out of nowhere. The totals fail on both sides.
The second compromise, eyeball rates, is no better. The rate in your head is always late and always rounded the pleasant way. The real yearly cost of your buys can differ from the feeling severalfold.
It also matters what is NOT needed here: most people do not need a trading terminal with live tickers. They need honest bookkeeping: what went in, what came out, what it means in their home currency.
Maksim’s story
Maksim is 31, an engineer, and has kept part of his savings in crypto for several years. Not trading: regular small buys and an occasional sale for a specific goal. Two wallets, one exchange, nothing exotic.
The problem was not the crypto, it was the whole picture. To answer “how much money do I have”, Maksim needed two steps: “this much on cards, and in crypto... let me check.” Every conversion into his home currency produced a new number, and planning on top of that was impossible.
In Finance Flow 365 Maksim created a separate project for crypto matters. Every buy is an ordinary entry: this much crypto for this much home currency, at the rate of the transaction date. Sales and transfers work the same. The Pro plan lets crypto occupy some of the nine tracked currencies, right next to the regular ones.
The best part turned out to be the combined view: the crypto project stands beside the rest of his money. One screen, one currency, and “how much do I have in total” is one number again.
A composite story; details changed.
What Finance Flow 365 does here
The rate of the transaction date
A buy is fixed at its own day’s rate, forever. No retroactive recalculation: a September buy costs what it cost in September.
Totals in your currency
Every crypto entry is also visible in your local currency. The numbers become tangible: not “0.0031 of something” but a sum you can compare with your rent.
Crypto in the common daily cut
Combined analytics shows the crypto project next to salary and groceries. The money picture is whole again, with no “I don’t count that” holes.
What changed for Maksim
“How much do I have” now takes one glance instead of a calculator session with an exchange tab open. Crypto buys no longer tear holes in the regular books: it is visible where the money left and what it became.
There was a sobering detail too: at the rates of the actual purchase dates, Maksim had put noticeably more into crypto than he remembered. Not a tragedy, but useful knowledge: regular buys are now part of the overall plan instead of happening by mood.
- “How much in total” at a glance
- Crypto buys no longer break the books
- Honest rates, fixed on the date
- Crypto fits the overall plan
Common questions
Is this an investment tracker with tickers?
No. Finance Flow 365 is money flow bookkeeping. Crypto is recorded as a currency of entries: buys, sales, transfers at the rate of the transaction date. There are no live tickers and no investment analytics.
Which currencies can I track alongside crypto?
The Pro plan tracks up to nine currencies at once, and Full removes the count entirely, and cryptocurrencies count within that number on equal terms. For example: your local currency, the dollar, and three cryptocurrencies.
At which rate are crypto entries recorded?
At the rate of the transaction date, like every other currency in the service. Past entries are never recalculated when the rate moves.