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 £90,819.79 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: £99 up to 1,000 transactions in the filing year, £199 for 1,001–10,000, and £299 beyond that. 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 withdrawal permissions?

No. Exchange API keys are refused unless they are read-only, and sign-in does not use your wallet — 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
The line-by-line delta against a report you already have

What free does not include

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

£99 / £199 / £299

Filing year · one-time purchase

Tiered by transactions in the filing year only — up to 1,000 / 10,000 / beyond.

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

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

Per seat

Practitioner · subscription

Not yet available. Intended for practices: multiple clients, shared working papers, the open-questions queue with financial impact, and sign-off state. Only share mode exists today — one read-only link per client. There is no seat model and no subscription billing yet.

For comparison, stated factually: the leading incumbent prices per tax year while multi-year data is required for a correct answer. Computing one 2025–26 return that reaches back to 2021 costs five years of their top tier — £1,245 — plus £799 if the remediation queue is handed to their expert service.

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.

RefundsIf the working paper isn’t defensible, say so within 14 days and we refund it. We’d rather know.

Practitioner

Not yet available. The intention is per seat, billed monthly and managed through the Stripe Customer Portal — including cancellation, in one click, with no retention offer in the way. None of it is built: the engine sells a tax year once, and there is no recurring billing. Nothing on this tier can be bought today, and it is listed so a practice can plan rather than discover that later.

Prices are in pounds sterling. Not VAT registered, so the price you see is the price you pay.