Why is my crypto tax number too high?

When a disposal cannot be matched to an acquisition, the cost basis defaults to zero and 100% of the proceeds are reported as profit. Nothing fails and no error is raised — the number is simply wrong, in the taxman's favour. On one reference dataset of 7 wallets and roughly 30,000 records, a leading incumbent reported a £336,248 gain where the reconciled position was a £176,494.84 loss.

Does Finality file my tax return?

No. Finality computes the figures and produces a box-mapped working paper for SA108 plus an evidence workbook. You own the return and file it yourself. Finality is software: it is not a firm of accountants, not a regulated tax adviser, and not affiliated with or endorsed by any tax authority.

Does Finality support tokenised equities and real-world assets (RWAs)?

Yes. A tokenised equity, tokenised stock, tokenised treasury bill or gold-backed token is an ERC-20 transfer on the same chains, so the same engine reads it, prices it by contract, pools it under Section 104 and matches its disposals to the acquisitions that paid for them. There is no separate RWA mode and no allowlist of supported tokens. What the engine does not do is decide what an asset is for tax — a token representing a share may be a security rather than a cryptoasset, and that is put to you as an open question.

How are NFTs treated differently from fungible tokens?

HMRC applies no pooling and no matching rules to non-fungibles (CRYPTO22200) — each is specifically identified. Running a non-fungible through the pooling engine would pool what must never be pooled and apply rules HMRC excludes, so they are handled by a separate engine.

What does Finality cost?

A tax year is bought once, not subscribed to: £20 up to 1,000 transactions in the filing year, £40 for 1,001–10,000, and £60 beyond that (a US filing year is $25, $50 or $75). Every prior year of history the computation needs is included at no extra charge, because cost basis is cumulative. Scanning is free and shows every finding and its value; the corrected figure, the working paper and the evidence workbook are what is paid for.

Does Finality need my exchange API keys?

No. Finality does not accept exchange API keys at all. You upload the CSV export from your exchange instead, so there is no credential to store. Sign-in does not use your wallet either — there is no message to sign and no transaction to approve.

One price for the filing year. Every year behind it, included.

Cost basis is cumulative: this year’s figure cannot be computed correctly without your full history. So the history is not a paid extra — it is part of the computation, and it is included.

£0

Scan

Connect every wallet, exchange and CSV
The full check catalogue, run on all of it
Every finding, with what it is worth and what caused it
Every prior year of history needed to compute the filing year

What free does not include

The corrected figure
The working paper (PDF)
The evidence workbook (XLSX)

£20 / £40 / £60

Filing year · one-time purchase

Tiered by transactions in the filing year only — up to 1,000 / 10,000 / beyond. Each transaction counts once, however many tokens moved inside it.

The corrected figure, the working paper and the workbook — see a sample of each
Every prior year of history the computation needs, at no extra charge

Yours permanently: re-export any time, including years later when HMRC asks.

Free

Practitioner · to review

For accountants. Each client pays for their own filing year and shares it with you. Sign in once and every client who has shared with you is listed in one place, with whether they have paid, whether their documents are ready and whose move it is. Mark each question reviewed, record the position you took, and sign off the year for your client to approve. Firm accounts are not yet available.

For comparison — these are not our prices. The leading alternative charges for each tax year separately, while needing several years of data to get any one year right. Computing one 2025–26 return that reaches back to 2021 means paying for five years at their top tier — £1,245 — and a further £799 if sorting the data out is handed to their expert service. Ours is the one-off price above, whatever history the computation needs.

If your scan outgrows the tierWe tell you before you pay, and if it happens after, you decide — we never re-charge silently.

PaymentOne-time card payment through Stripe Checkout. No subscription for filing years, no auto-renewal.

RefundsRefundable in full any time before your working paper or evidence workbook is produced — there is no deadline. Producing them is the supply, and it is a step you choose. After that, a refund is ours to decide case by case. To see the kind of pack you would be producing first, open a sample pack.

Practitioner

Reviewing is free. An accountant signs in with the address their clients share to and sees every client who has shared a tax year with it; each client pays for their own year. Firm accounts are not yet available — a practice with its own team, covering clients’ filing years. Nothing for firms can be bought today, and it is listed so a practice can plan rather than discover that later.

Prices are in pounds sterling for a UK filing year. A US filing year is sold in dollars: $25 / $50 / $75 by the same bands. Not VAT registered, so the price you see is the price you pay.