HQ Wealth

HQ Wealth is web-based crypto accounting software built on double-entry bookkeeping, with cost-basis tracking, reconciliation, integrations, and tax reporting. HQ FS describes it as one book for cash, equities, property, crypto, bank and brokerage accounts, wallets, and exchanges. The product supports 32 EVM chains and 25 exchange integrations, tracks FIFO, LIFO, and HIFO cost basis, and lets users model disposals before trading. Imported movements are checked against chain state, exchange balances or statements, and bank feeds; unmatched items enter a reconciliation queue. It flags scam and airdrop tokens and can pair internal transfers automatically. Outputs include tax packs for 12 countries and IFRS-style general ledgers, trial balances, and account reports. HQ FS says postings are timestamped and immutable, with edits recorded in an audit log. Wallet links use signed ownership messages, and exchange keys must be read-only; the company says it does not receive private keys. HQ Wealth does not execute trades or hold cryptocurrency and is not a bank, broker, custodian, exchange, or licensed financial adviser. A free plan is listed alongside paid options, including API credits, tax packs, a lifetime unlock, and premium imports.

HQ Wealth brings multi-asset records, crypto reconciliation, cost-basis methods, and tax outputs into one accounting product. Its listed free plan has usage limits, and the service does not provide custody or financial advice.

HQ Wealth suits investors, families, and accountants who need crypto accounting alongside records for other asset types. Its listed integrations and tax outputs may also suit users reconciling wallets, exchanges, and bank feeds.

HQ Wealth is a web accounting system for combining crypto and conventional assets in a double-entry ledger. It is aimed at investors, families, and accountants who need reconciled books, tax-lot treatment, and formal reporting. The strongest case is broad, audit-oriented accounting; the main drawback is how quickly the free allowance runs out.

Overview

HQ Wealth puts cash, equities, property, crypto, bank accounts, brokerages, wallets, and exchanges into one record. That makes it more suitable for a multi-asset household or professional accounting workflow than for someone who only wants a quick portfolio snapshot. It is web-based and headquartered in Singapore.

Key features

Crypto coverage is substantial: the service supports 32 EVM chains and 25 exchange integrations, alongside wallet, exchange, and bank-feed imports. A single ledger can therefore span on-chain activity and traditional accounts instead of forcing separate records.

Cost-basis methods include FIFO, LIFO, and HIFO, with FIFO as the default. Modeling disposals before trading helps compare the tax effect of different lots, although the product does not execute trades. Imported movements are checked against canonical chain state, exchange API balances or CSV statements, and bank feeds. Unmatched items enter a reconciliation queue, so the system exposes exceptions rather than silently treating every import as correct.

Automatic internal-transfer pairing can reduce duplicate movement cleanup. Scam and airdrop tokens are flagged against a system-wide blocklist, a useful warning for messy wallets but not a substitute for reviewing unusual transactions yourself.

Tax packs cover 12 countries. IFRS-style general ledgers, trial balances, and account reports make the output more relevant to accounting work than a portfolio-only export. Timestamped, immutable postings and an in-place edit history with a full audit log provide a clear change trail.

Sensitive fields are encrypted at rest with AES-256-GCM and per-user HKDF-SHA-256-derived keys. Wallet connections use signed ownership messages; exchange keys are read-only, and HQ FS says it never receives private keys or signing capability. A coordinated vulnerability disclosure program provides a 90-day window, a security contact, and security.txt on every domain.

HQ Wealth is software, not a bank, broker, custodian, exchange, or licensed financial adviser. It does not hold cryptocurrency or execute trades, so users must arrange custody and investment decisions elsewhere.

Pricing

The free-forever HQ · VIP 0 · Free forever plan costs $0. It allows one portfolio, 12 templates, five on-chain scans per portfolio each month, one watchlist with 10 items, and a watermarked tax extract. This is adequate for a small, infrequently updated record, but the scan quota and single-portfolio cap make it a poor fit for active or multi-entity accounting.

The 100,000 API calls package costs $25 once; its 100,000-call consumable bucket does not expire. It suits a modest import workload, while the 1,000,000 API calls package costs $200 once and is aimed at much heavier use.

Tax pack — current year costs $49 a year, billed as a 12-month pass with no auto-renewal. It covers one jurisdiction and one tax year and provides IFRS-compliant PDF and CSV files. VIP 1 — Lifetime unlock costs $50 once, never expires, and cannot be purchased twice.

Premium imports — 1y costs $120 a year, with no auto-renewal. It removes the standard /api/import rate limit and provides unlimited high-throughput on-chain and exchange imports. Choose it when import volume, rather than occasional reporting, is the constraint.

Platforms

HQ Wealth runs on the web. Wallet and exchange connections are part of its import workflow, with read-only exchange access and signed wallet ownership messages.

Who it's for

Investors with assets across crypto, banks, brokerages, and property will benefit from the unified ledger and multiple cost-basis methods. Families managing more than one kind of holding can use the same structure, while accountants gain reconciliation queues, audit history, and accounting exports. It is less appropriate for users seeking custody, trade execution, or financial advice, and the free plan is too restricted for high-volume import activity.

Pros and cons

• Pro: One double-entry book covers digital and traditional assets, reducing fragmented records.
• Pro: Thirty-two EVM chains, 25 exchanges, bank feeds, and CSV checks provide broad reconciliation inputs.
• Pro: FIFO, LIFO, and HIFO plus pre-trade disposal modeling support deliberate tax-lot decisions.
• Pro: Twelve-country tax packs and IFRS-style reports serve formal accounting needs.
• Con: The free tier permits only one portfolio and five monthly on-chain scans, limiting active users.
• Con: Tax output on the free plan is watermarked, and a full current-year pack is a separate annual purchase.
• Con: The service neither holds assets nor executes trades, so it cannot replace a custodian or adviser.

Alternatives

For a broader shortlist, see Crypto Accounting Software.

Kryptos is a better fit for users wanting Android, iOS, web, and API access, with a free allowance of up to 100 transactions per tax year.

Choose CoinTracking if a portfolio-view free plan and a seven-day unlimited-import trial matter more than a permanent free workflow.

CryptaCount suits teams seeking a B2B structure with workspace and user limits.

Pick rotki for desktop or self-hosted use across Linux, macOS, and Windows.

Tokenbooks is an alternative for users who prefer portfolio and wallet caps expressed directly in its plans.

Wag3s offers a free Alpha plan with wallet tracking, tax reports, categorization, and multi-chain support.

Pacioli is a free, open-source option for users comfortable with pre-launch software and building from source.

Fireblocks Financial Data is a paid web alternative.

Verdict

Choose HQ Wealth if you need one auditable, double-entry record spanning crypto and conventional assets, with flexible cost basis and jurisdiction-aware tax outputs. Look elsewhere if you need custody, trading, or generous ongoing free usage; its strongest capabilities require paid passes or API capacity.