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SPECIFICTION
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HQ Wealth

hq-fs.com

From $4.08/mo Free plan WebAPI
Visit hq-fs.com
Spec score 8.9 #3 of 25 in Crypto Accounting Software

What it is

HQ Wealth is web-based accounting software for crypto and other assets, built around double-entry bookkeeping. It brings cash, equities, property, crypto, bank and brokerage accounts, wallets and exchanges into a single book. 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 can flag scam and airdrop tokens and pair internal transfers automatically. Outputs include tax packs for 12 countries and IFRS-style 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; HQ FS says it does not receive private keys. HQ Wealth does not execute trades or hold cryptocurrency. Its free plan includes one portfolio and a watermarked tax extract, among other limits. Listed paid options include $25, paid once for 100,000 API calls and $49 a year for a tax pack.

Spec sheet

What it does
HQ Wealth is a cloud bookkeeping and reporting application for crypto and traditional financial assets that ingests connected transaction history, classifies events, computes lot-level cost basis and produces tax outputs.Read 21 Oct 2026 · hq-fs.com
Intended users
HQ FS says the product is trusted by investors, families, and accountants and was built by a tax and finance consultant with 10 years of experience in the Netherlands.Read 30 Sep 2026 · hq-fs.com
Privacy
HQ FS states that it does not sell personal data, share it with advertising networks or use portfolio data to train AI models.Read 21 Oct 2026 · hq-fs.com
Headquarters
SingaporeRead 28 Sep 2026 · hq-fs.com
Accounting exports
Exports include IFRS-style general ledger, trial balance and account reports, plus jurisdiction-specific PDF and CSV tax packs.Read 21 Oct 2026 · hq-fs.com
AI assistance
Claude-powered reconciliation suggestions are feature-flagged and presented as assistance rather than a replacement for user judgment.Read 21 Oct 2026 · hq-fs.com
API availability
HQ FS sells consumable API-credit packs and states that calls are used by agents and integrations; the site references a standard /api/import rate limit.Read 21 Oct 2026 · hq-fs.com
Asset coverage
The ledger combines banks, payslips, equities, property, wallets and exchanges in one book.Read 21 Oct 2026 · hq-fs.com
Audit trail
Postings are timestamped and immutable at the application level, with a full audit log for edits.Read 21 Oct 2026 · hq-fs.com
Authentication
The service uses RS256 JWT access tokens, seven-day refresh cookies, bcrypt password hashes, optional TOTP and brute-force lockout controls.Read 21 Oct 2026 · hq-fs.com
Blockchain integrations
HQ Wealth advertises automated on-chain importing across 32 EVM chains.Read 21 Oct 2026 · hq-fs.com
Chain and exchange integrations
The product page states that HQ Wealth supports 32 EVM chains and 25 exchange integrations.Read 30 Sep 2026 · hq-fs.com
Company background
HQ FS says the product was built by a tax and finance consultant with 10 years of experience in the Netherlands and reports more than 500 investors on its launch list.Read 21 Oct 2026 · hq-fs.com
Connection permissions
Wallet connections use signed ownership messages, exchange keys must be read-only, and HQ FS says it never receives private keys or signing capability.Read 30 Sep 2026 · hq-fs.com
Core purpose
HQ Wealth is institutional-grade crypto accounting built on double-entry bookkeeping with cost basis, reconciliation, chain and exchange integrations, and tax reports.Read 30 Sep 2026 · hq-fs.com
Cost basis
The product supports FIFO, LIFO and HIFO lot tracking and lets users model disposals before trading.Read 21 Oct 2026 · hq-fs.com
Documentation
HQ FS provides public HQ Docs documentation with getting-started material, guides and API-reference sections, but the docs host was not accessible during this review.Read 21 Oct 2026 · hq-fs.com
Double-entry
Transactions post as balanced debits and credits, and entries that do not reconcile are not posted.Read 21 Oct 2026 · hq-fs.com
Exchange integrations
HQ Wealth advertises 25 exchange integrations with CEX API and statement reconciliation.Read 21 Oct 2026 · hq-fs.com
Fraud and scam handling
HQ Wealth flags scam and airdrop tokens against a system-wide blocklist and supports automatic internal-transfer pairing.Read 30 Sep 2026 · hq-fs.com
Legal status
The product footer identifies the maker as HQ FS Pte. Ltd. in Singapore.Read 21 Oct 2026 · hq-fs.com
Limit: advice
HQ FS disclaims investment, tax and legal advice and does not guarantee that generated cost-basis or tax outputs will be accepted by a user's tax authority.Read 21 Oct 2026 · hq-fs.com
Limit: free capacity
The free account is limited to one portfolio, five monthly on-chain scans per portfolio, one ten-item watchlist and watermarked tax extracts.Read 21 Oct 2026 · hq-fs.com
Limit: paid usage model
API calls are consumable credits and import and tax products are finite 12-month passes, so continued use requires additional purchases when allowances expire or run out.Read 21 Oct 2026 · hq-fs.com
Limit: security bounty
The vulnerability-disclosure policy states that a formal monetary bounty is not yet funded and recognition is currently non-cash.Read 21 Oct 2026 · hq-fs.com
Outage
A 22 April 2026 transaction-ingest incident caused elevated errors for 47 minutes after a schema migration locked the import queue; the company said no data was lost.Read 21 Oct 2026 · hq-fs.com
Rebrand
On 17 June 2026 the former Ledger product was renamed HQ Wealth and moved from ledger.hq-fs.com to wealth.hq-fs.com.Read 21 Oct 2026 · hq-fs.com
Reconciliation
Imported movements are checked against canonical chain, exchange, statement or bank data and unmatched rows enter a review queue.Read 21 Oct 2026 · hq-fs.com
Regulatory scope
The terms state that HQ FS is software rather than a bank, broker, custodian, exchange or licensed financial adviser, and that it does not execute trades or hold cryptocurrency.Read 21 Oct 2026 · hq-fs.com
Scam detection
Imported scam and airdrop tokens are flagged against a system-wide blocklist before they affect balances.Read 21 Oct 2026 · hq-fs.com
SDKs
The reviewed public pages describe API calls and agent integrations but do not state that an official SDK is available.Read 21 Oct 2026 · hq-fs.com
Security encryption
Sensitive taxpayer, exchange, bank and TOTP fields are encrypted with AES-256-GCM using per-user HKDF-derived keys.Read 21 Oct 2026 · hq-fs.com
Security reporting
HQ FS publishes a coordinated vulnerability disclosure program with [email protected], a 90-day disclosure window, and security.txt on every domain.Read 30 Sep 2026 · hq-fs.com
Self-hosting
The reviewed terms describe HQ Wealth as a software-as-a-service platform and do not state that self-hosted deployment is offered.Read 21 Oct 2026 · hq-fs.com
Service scope
HQ FS states that it is software rather than a bank, broker, custodian, exchange, or licensed financial adviser, and that HQ Wealth does not execute trades or hold cryptocurrency.Read 30 Sep 2026 · hq-fs.com
Service status
The status page reports HQ Wealth operational with 99.58% uptime over the displayed prior 90-day period.Read 21 Oct 2026 · hq-fs.com
Tax and accounting outputs
The product provides jurisdiction-aware tax packs for 12 countries plus IFRS-style general ledger, trial balance, and account reports.Read 30 Sep 2026 · hq-fs.com
Tax jurisdictions
Jurisdiction-aware tax packs are advertised for 12 countries, including the United States, United Kingdom, Germany, France, Netherlands, Switzerland, Singapore, Australia, Canada, South Africa, Indonesia and Ireland.Read 21 Oct 2026 · hq-fs.com
Transfer matching
Internal transfers between wallets are paired automatically to avoid double counting.Read 21 Oct 2026 · hq-fs.com
Wallet security
Wallet connections use signed ownership messages; HQ FS says it never receives private keys or signing capability and exchange keys must be read-only.Read 21 Oct 2026 · hq-fs.com

Plans and prices

HQ · VIP 0 · Free forever Free free forever 1 portfolio · 12 templates · manual transactions · basic reports · watermarked tax extract · 5 on-chain scans/portfolio/month · 1 watchlist with 10 items Read 21 Oct 2026 · hq-fs.com
100,000 API calls $25, paid once 100k credits; calls do not expire 100,000 consumable API calls Read 21 Oct 2026 · hq-fs.com
Tax pack — current year $49 a year 12-month pass; no auto-renewal 1 jurisdiction · 1 tax year · IFRS-compliant PDF and CSV exports Read 21 Oct 2026 · hq-fs.com
VIP 1 — Lifetime unlock $50, paid once buy once; never expires Lifetime VIP 1 unlock · cannot be purchased twice Read 21 Oct 2026 · hq-fs.com
Premium imports — 1y $120 a year 12-month pass; no auto-renewal Unlimited high-throughput on-chain and exchange imports · bypasses standard /api/import rate limit Read 21 Oct 2026 · hq-fs.com
1,000,000 API calls $200, paid once 1M credits; calls do not expire 1,000,000 consumable API calls Read 21 Oct 2026 · hq-fs.com

Every HQ Wealth plan and price →

Strong points and limits

Strong points

  • Supports 32 EVM chains and 25 exchange integrations.
  • Tracks FIFO, LIFO and HIFO cost basis.
  • Tax packs cover 12 countries.
  • Exchange keys must be read-only.
  • Free plan available.

Limits

  • Free plan is limited to one portfolio.
  • Free tax extract is watermarked.
  • Tax pack costs $49 a year.

Who it suits

HQ Wealth suits investors, families and accountants who need accounting records and tax outputs across crypto and other assets. It is software for bookkeeping, not for executing trades or holding cryptocurrency.

Verdict

HQ Wealth brings multiple asset types into a double-entry accounting workflow and provides reconciliation and tax outputs. Its free tier is constrained, with additional listed purchases priced separately.

Where Specifiction places it

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