How to Track Your Crypto and Stock Portfolio Without Creating an Account

Here's a fun exercise. Open any portfolio tracking app. The very first thing it asks you to do, before you can see a single number, is create an account.

Enter your email. Pick a password. Maybe connect your brokerage. Maybe hand over API keys to your crypto exchange. All of this just to answer a simple question: what is my money doing?

It's 2026. You can unlock your phone with your face. But tracking your own investments? That requires sharing your identity with a company you've never met.

There's something deeply ironic about this. Especially if you got into crypto because you liked the idea of financial sovereignty. You bought ETH because you believe in self-custody and decentralization. Then you opened a portfolio tracker and gave a startup in San Francisco your entire financial picture. Make it make sense.

The good news: you don't have to do this anymore. You can track crypto and stocks, together, in one place, without creating an account, connecting a brokerage, or sharing a single piece of personal information. Here's how that actually works.

Why most apps force you to make an account

It's not a technical requirement. It's a business model decision.

When an app stores your data on their servers (which is what an account enables), they can do things with that data. Analyze spending patterns. Build user profiles. Show you personalized ads. Train machine learning models. Sell aggregated insights. Or, more charitably, they need server-side storage to power features like social sharing and leaderboards.

Either way, the moment you create an account, your portfolio data exists on someone else's computer. That's not a privacy policy problem, it's an architecture problem.

Policies change. Terms of service update. Companies get acquired. But if your data was never sent to a server in the first place, none of that matters.

The on-device alternative

The other way to build a portfolio tracker is to keep everything on your device. Your phone stores your holdings. Price data comes from public market feeds (stock prices, crypto prices, all publicly available information). Your identity is never linked to your portfolio on any server, because there is no server.

This is how DecentWealth works. You download the app, and you start tracking. No email. No password. No "verify your account" emails sitting in your spam folder. Your data lives on your iPhone, protected by Face ID, and that's it.

But wait, what about crypto? This is where it gets interesting.

Tracking crypto without giving away your keys

Most crypto portfolio trackers want you to do one of two things: connect your exchange account (via API keys) or import transactions manually. The first approach means giving a third-party app read access to your exchange. The second approach is tedious enough to make you reconsider whether investing was a good idea at all.

There's a third way. Blockchain data is public by design. If you have a wallet address (just the public address, the one you'd share to receive funds), an app can read your balances directly from the blockchain. No API keys. No exchange login. No identity link.

With DecentWealth, you paste your wallet address and your balances show up automatically.

It works across 18 networks: Bitcoin, Ethereum, Solana, Polygon, Base, Arbitrum, and more. The app reads the blockchain, pulls your token balances, and shows real-time prices. You never share your private keys or exchange credentials with anyone.

This matters more than it sounds. When you connect an exchange via API, that connection persists.

The app (and its servers) know your exchange identity, your full transaction history, and your balances. When you paste a public address into an on-device app, the only thing that exists is a string of characters on your phone. Your phone knows your address. Nobody else does.

Adding stocks and ETFs to the same view

Crypto and stocks are usually tracked in completely separate apps, which is annoying if you're the kind of person who owns both SOL and VOO and wants to know your actual net worth.

DecentWealth covers over 100,000 stocks and ETFs with real-time pricing. You add a position, enter your cost basis, and it tracks your profit or loss alongside your crypto holdings.

You can also manually track things that don't have ticker symbols: real estate, retirement accounts, savings, vehicles, loans. Because net worth isn't just what's in your brokerage and your MetaMask.

What about backup and sync?

Fair question. If everything lives on your device, what happens when you lose your phone?

DecentWealth solves this with optional iCloud sync. If you turn it on, your data syncs across your iPhone, iPad, and Apple Watch through your personal iCloud account, all end-to-end encrypted. The key word is "optional." By default, your data stays on your device. If you want sync, you use your own Apple infrastructure.

DecentWealth never stores your portfolio on its servers. The company literally cannot see your data.

This is the difference between privacy as a promise and privacy as a fact.

Download DecentWealth free on the App Store and see your full portfolio in under a minute.