Complete report

utxoproof full report 2023

The complete picture in one printable document: portfolio first, then tax, holdings, privacy, advisory and provenance detail. Print to PDF from your browser for filing or archiving.

Portfolio overview
Tax report
Holdings status
All-time summary
Privacy report
Advisory
Provenance 3333333333333333333333333333333333333333333333333333333333333333:0
Provenance 4444444444444444444444444444444444444444444444444444444444444444:0
Provenance 2222222222222222222222222222222222222222222222222222222222222222:0
Provenance 1111111111111111111111111111111111111111111111111111111111111111:0
Descriptor check

Portfolio overview

The whole portfolio on one page: net worth, allocation across wallets, bank and exchange balances, credit-card liabilities, and the KYC split. Click an account for its UTXOs, then a UTXO for its provenance.

As of 2023-12-31 at 38143.33 EUR/BTC (bundled daily close). Click an account to drill into its UTXOs, then a UTXO for provenance.

107,056.89

net worth (EUR)

2.49000000

BTC held

94,976.89

BTC value (EUR)

12,080.00

cash (EUR)

66,097.38

BTC cost basis (EUR)

28,879.51

unrealized gain (EUR)

bank-proven BTC value (0.00 EUR; candidates excluded)

Allocation

94,977

kyc — 94,977 EUR

BTC value by KYC status (EUR)

BTC/EUR daily close, last 12 months

Daily close in EUR/BTC from the vendored history (Kraken native, blockchain.info x ECB before Oct 2024).

Holdings by tax behavior

94,977

buy-and-hold — 85,822 EUR
accumulating — 9,154 EUR

Speculation beats buy-and-hold beats accumulating; seasoned means held ≥ 1 year

Holdings by funding channel

94,977

exchange — 85,822 EUR
unknown — 9,154 EUR

How fiat entered the system: measured where evidenced, asserted where you tag it, unknown otherwise

Accounts

Account	Type	UTXOs	BTC	Value (EUR)	Share
Multisig vault	wallet	1	1.00000000	38,143.33	35.6%
Sparrow savings	wallet	2	0.99000000	37,761.90	35.3%
Ledger main	wallet	1	0.50000000	19,071.67	17.8%
KBC checking	bank	0	0.00000000	12,500.00	11.7%
DEGIRO	broker	0	0.00000000	0.00	0.0%
Kraken	exchange	0	0.00000000	0.00	0.0%
KBC Visa	credit card	0	0.00000000	-420.00	-0.4%

Tax report 2023

What you owe for the year. Every disposal is valued at moving-average cost, gains are classified (goede huisvader / speculator) with the reasoning shown, and communal surcharge is applied. Use the totals to fill your return — and verify them with a tax adviser before filing.

Realised gain / loss 2905.00 EUR 2 disposals

Tax (goede huisvader) 958.65 EUR before communal surcharge

Communal surcharge 67.11 EUR rate 7.00%

Total due 1025.76 EUR verify with a tax adviser

Generated 2026-11-05 17:02 UTC by utxoproof 0.1.0. Cost basis method: moving_average. Classification: goede huisvader. Communal surcharge rate: 7.00%.

Classification

Classification: goede_huisvader
Speculator score: 0 | Passive score: 0


This is a heuristic aid. Consult a Belgian tax adviser before filing.

Annual summary

Item	EUR
Realised gain/loss (2 disposals)	2905.00
Tax (goede huisvader)	958.65
Communal surcharge	67.11
Total due	1025.76

Disposals

Date	Type	BTC	Price (EUR/BTC)	Proceeds (EUR)	Cost basis (EUR)	Gain (EUR)	Tax (EUR)
2023-03-20	SELL	0.50000000	25000.00	12495.00	10005.00	2490.00	821.70
2023-09-12	SELL	0.25000000	23000.00	5750.00	5335.00	415.00	136.95

Holdings status

A snapshot of what you hold right now: inventory at moving-average cost, current value at the stated price, and the unrealized gain sitting in your wallets. Re-run with a fresh price any time.

Holdings 0.45000000 BTC as of 2026-11-05 17:02 UTC

Current value 17164.50 EUR 38143.33 EUR/BTC

Cost basis 10466.86 EUR average 23259.68 EUR/BTC

Unrealised gain / loss 6697.64 EUR bundled daily close

As of 2026-11-05 17:02 UTC at 38143.33 EUR/BTC (bundled daily close). Cost basis method: moving_average.

Item	Value
Holdings (BTC)	0.45000000
Cost basis (EUR)	10466.86
Average cost (EUR/BTC)	23259.68
Current value (EUR)	17164.50
Unrealized gain/loss (EUR)	6697.64

All-time summary

Realised gains year by year plus what is still sitting in inventory at cost. The long view across all imported history.

Realised gains 2905.00 EUR all imported years

Remaining inventory 0.45000000 BTC unspent cost lots

Inventory cost 10466.86 EUR moving-average cost basis

Generated 2026-11-05 17:02 UTC by utxoproof 0.1.0. Realised gains per year plus remaining lot inventory (cost basis only).

Per-year realised gains

Year	Disposals	Gain (EUR)
2023	2	2905.00
Total		2905.00

Remaining inventory

BTC	Cost basis (EUR)
0.45000000	10466.86

Privacy report

Where your coins stand on KYC. Every unspent output is tagged from its lineage; transactions that first combine KYC and non-KYC inputs are listed as originating mixing events so you can explain them.

kyc 5 unspent outputs

non_kyc 0 unspent outputs

mixed 0 unspent outputs

unknown 0 unspent outputs

Generated 2026-11-05 17:02 UTC by utxoproof 0.1.0. Unspent outputs by KYC status; mixing events highlighted (amber = originating).

KYC summary (unspent)

Status	UTXOs
kyc	5
non_kyc	0
mixed	0
unknown	0

Mixing events

Txid	Inputs	KYC in	Non-KYC in	Value (sat)	Originating

Advisory

Decision support per UTXO, ranked by tax cost if sold today. Flags mark cheap sales, expensive holds, borrow and estate candidates, privacy risks and speculation taint. Advice, not instructions.

Tax cost if sold today 9530.24 EUR all unspent outputs

Estate candidates 57215.00 EUR seasoned, low-tax lots

Borrow candidates 94976.89 EUR collateral without a sale

As of 2023-12-31 at 38143.33 EUR/BTC (bundled daily close). Ranked by tax cost if sold. Selling everything today would cost 9530.24 EUR in tax.

Per-UTXO table

Flags = what to do (recommendations). Tags = what it is (classification).

UTXO	Address	BTC	Holding (days)	Cost (EUR)	Value (EUR)	Gain (EUR)	Tax if sold (EUR)	KYC	What to do	What it is
3333333333333333333333333333333333333333333333333333333333333333:0	`bc1qz6z53ez8v3007uh2q37dp96kr3gwlmusarwlrca59n9j52nxhvps3gpd0h`	1.00000000	478	19233.29	38143.33	18910.04	6240.31	kyc	borrow_candidate,estate_candidate,hold_recommended	buy-and-hold,exchange
4444444444444444444444444444444444444444444444444444444444444444:0	`bc1q0gahzc3p0n8rlztt649kcanlhvwq8ekup7sjsy`	0.24000000	302	5053.62	9154.40	4100.78	1353.26	kyc	borrow_candidate	accumulating,unknown
2222222222222222222222222222222222222222222222222222222222222222:0	`bc1q9yscq3l2yfxlvnlk3cszpqefparrv7tk24u6pl`	0.75000000	697	25659.99	28607.50	2947.51	972.68	kyc	borrow_candidate,sell_friendly	buy-and-hold,exchange
1111111111111111111111111111111111111111111111111111111111111111:0	`bc1qpux3z758ulsxg69eptaakukraanqwtdxe5yy4c`	0.50000000	1080	16150.49	19071.67	2921.18	963.99	kyc	borrow_candidate,estate_candidate	buy-and-hold,exchange

Summary

Item	EUR
Total tax cost of liquidating	9530.24
Estate-candidate value	57215.00
Borrow-candidate value	94976.89

Provenance 3333333333333333333333333333333333333333333333333333333333333333:0

Chain of custody for one UTXO, oldest step first: every hop valued in euros at its date, KYC status per step, mixing highlighted, and the original source evidence linked. The document you hand over when asked where a coin came from.

Current amount 1.00000000 BTC 38143.33 EUR at 38143.33/BTC

KYC status kyc 100% of value

Days held 478 since earliest traced acquisition

Bank-proven coverage 0% weakest tier —

Current amount: 1.00000000 BTC (38143.33 EUR at 38143.33/BTC). KYC status: kyc (100%). Days held since earliest traced acquisition: 478. Advisory flags: borrow_candidate,estate_candidate,hold_recommended.

Saga coverage

0% of the target value reaches a bank statement through exact, approximate, or allocated links. Weakest tier in a covered path: —. Candidates never raise coverage.

Source UTXO	Share of target	Tier
`3333333333333333333333333333333333333333333333333333333333333333:0`	100.00%	unresolved

Provenance saga (all parents, oldest first)

Step	Date	Block	Event	Share	Attributed BTC	Full BTC	Attributed EUR	KYC	Evidence
1	2022-09-09	720000	Exchange purchase (demo exchange purchase) source	100.00%	1.00000000	1.00000000	19233.29	kyc	3333333333333333333333333333333333333333333333333333333333333333:0

Cross-domain evidence

Funding direction: bank debit → exchange EUR deposit → trade → BTC withdrawal → chain receipt. These are persisted evidence links; ambiguous legs stay unresolved.

No cross-domain evidence links yet. Supply --ledgers and bank statements (or run the dashboard with them) to rebuild the bank/exchange layers.

Candidate links (never asserted)

No candidate links. Unmatched or ambiguous funding has no asserted edge.

Unresolved / truncated legs

source 3333333333333333333333333333333333333333333333333333333333333333:0: no exchange withdrawal within ±3d at its sats

Branch detail (consolidations)

Step	Parent UTXO	BTC	Share	KYC

Fan-out siblings

No sibling outputs in this ancestry.

Evidence references

Attachments

No attachments registered for this chain. Add scans or confirmations with utxoproof attach --file … --tx ….

Provenance 4444444444444444444444444444444444444444444444444444444444444444:0

Current amount 0.24000000 BTC 9154.40 EUR at 38143.33/BTC

KYC status kyc 100% of value

Days held 1080 since earliest traced acquisition

Bank-proven coverage 0% weakest tier —

Current amount: 0.24000000 BTC (9154.40 EUR at 38143.33/BTC). KYC status: kyc (100%). Days held since earliest traced acquisition: 1080. Advisory flags: borrow_candidate,estate_candidate,sell_friendly.

Saga coverage

0% of the target value reaches a bank statement through exact, approximate, or allocated links. Weakest tier in a covered path: —. Candidates never raise coverage.

Source UTXO	Share of target	Tier
`1111111111111111111111111111111111111111111111111111111111111111:1`	100.00%	unresolved

Provenance saga (all parents, oldest first)

Step	Date	Block	Event	Share	Attributed BTC	Full BTC	Attributed EUR	KYC	Evidence
1	2021-01-15	665000	Exchange purchase (demo exchange purchase) source	100.00%	0.24000000	0.25000000	7752.23	kyc	1111111111111111111111111111111111111111111111111111111111111111:1
2	2023-03-04	760000	Spend (payment + change)	100.00%	0.24000000	0.24000000	5053.62	kyc	4444444444444444444444444444444444444444444444444444444444444444:0

Cross-domain evidence

Funding direction: bank debit → exchange EUR deposit → trade → BTC withdrawal → chain receipt. These are persisted evidence links; ambiguous legs stay unresolved.

No cross-domain evidence links yet. Supply --ledgers and bank statements (or run the dashboard with them) to rebuild the bank/exchange layers.

Candidate links (never asserted)

No candidate links. Unmatched or ambiguous funding has no asserted edge.

Unresolved / truncated legs

source 1111111111111111111111111111111111111111111111111111111111111111:1: no exchange withdrawal within ±3d at its sats

Branch detail (consolidations)

Step	Parent UTXO	BTC	Share	KYC

Fan-out siblings

Step	Sibling UTXO	BTC	KYC
1	`1111111111111111111111111111111111111111111111111111111111111111:0`	0.50000000	kyc
2	`4444444444444444444444444444444444444444444444444444444444444444:1`	0.00900000	kyc

Evidence references

Attachments

No attachments registered for this chain. Add scans or confirmations with utxoproof attach --file … --tx ….

Provenance 2222222222222222222222222222222222222222222222222222222222222222:0

Current amount 0.75000000 BTC 28607.50 EUR at 38143.33/BTC

KYC status kyc 100% of value

Days held 697 since earliest traced acquisition

Bank-proven coverage 0% weakest tier —

Current amount: 0.75000000 BTC (28607.50 EUR at 38143.33/BTC). KYC status: kyc (100%). Days held since earliest traced acquisition: 697. Advisory flags: borrow_candidate,sell_friendly.

Saga coverage

0% of the target value reaches a bank statement through exact, approximate, or allocated links. Weakest tier in a covered path: —. Candidates never raise coverage.

Source UTXO	Share of target	Tier
`2222222222222222222222222222222222222222222222222222222222222222:0`	100.00%	unresolved

Provenance saga (all parents, oldest first)

Step	Date	Block	Event	Share	Attributed BTC	Full BTC	Attributed EUR	KYC	Evidence
1	2022-02-02	700000	Exchange purchase (demo exchange purchase) source	100.00%	0.75000000	0.75000000	25659.99	kyc	2222222222222222222222222222222222222222222222222222222222222222:0

Cross-domain evidence

Funding direction: bank debit → exchange EUR deposit → trade → BTC withdrawal → chain receipt. These are persisted evidence links; ambiguous legs stay unresolved.

No cross-domain evidence links yet. Supply --ledgers and bank statements (or run the dashboard with them) to rebuild the bank/exchange layers.

Candidate links (never asserted)

No candidate links. Unmatched or ambiguous funding has no asserted edge.

Unresolved / truncated legs

source 2222222222222222222222222222222222222222222222222222222222222222:0: no exchange withdrawal within ±3d at its sats

Branch detail (consolidations)

Step	Parent UTXO	BTC	Share	KYC

Fan-out siblings

No sibling outputs in this ancestry.

Evidence references

Attachments

No attachments registered for this chain. Add scans or confirmations with utxoproof attach --file … --tx ….

Provenance 1111111111111111111111111111111111111111111111111111111111111111:0

Current amount 0.50000000 BTC 19071.67 EUR at 38143.33/BTC

KYC status kyc 100% of value

Days held 1080 since earliest traced acquisition

Bank-proven coverage 0% weakest tier —

Current amount: 0.50000000 BTC (19071.67 EUR at 38143.33/BTC). KYC status: kyc (100%). Days held since earliest traced acquisition: 1080. Advisory flags: borrow_candidate,estate_candidate.

Saga coverage

0% of the target value reaches a bank statement through exact, approximate, or allocated links. Weakest tier in a covered path: —. Candidates never raise coverage.

Source UTXO	Share of target	Tier
`1111111111111111111111111111111111111111111111111111111111111111:0`	100.00%	unresolved

Provenance saga (all parents, oldest first)

Step	Date	Block	Event	Share	Attributed BTC	Full BTC	Attributed EUR	KYC	Evidence
1	2021-01-15	665000	Exchange purchase (demo exchange purchase) source	100.00%	0.50000000	0.50000000	16150.49	kyc	1111111111111111111111111111111111111111111111111111111111111111:0

Cross-domain evidence

Funding direction: bank debit → exchange EUR deposit → trade → BTC withdrawal → chain receipt. These are persisted evidence links; ambiguous legs stay unresolved.

No cross-domain evidence links yet. Supply --ledgers and bank statements (or run the dashboard with them) to rebuild the bank/exchange layers.

Candidate links (never asserted)

No candidate links. Unmatched or ambiguous funding has no asserted edge.

Unresolved / truncated legs

source 1111111111111111111111111111111111111111111111111111111111111111:0: no exchange withdrawal within ±3d at its sats

Branch detail (consolidations)

Step	Parent UTXO	BTC	Share	KYC

Fan-out siblings

Step	Sibling UTXO	BTC	KYC
1	`1111111111111111111111111111111111111111111111111111111111111111:1`	0.25000000	kyc

Evidence references

Attachments

No attachments registered for this chain. Add scans or confirmations with utxoproof attach --file … --tx ….

Descriptor check

Self-check that this tool derives the same addresses as every other BIP84 wallet: descriptors and first addresses are recomputed live from the spec test vector and must match it exactly.

Addresses below are derived live by utxoproof.descriptors from the BIP84 spec-vector account xpub (zpub6rFR7y4Q2AijBEqTUquhVz398htDFrtymD9xYYfG1m4wAcvPhXNfE3EfH1r1ADqtfSdVCToUG868RvUUkgDKf31mGDtKsAYz2oz2AGutZYs, fingerprint 73c5da0a). They must match the BIP84 vectors exactly.

Descriptors (Bitcoin Core import)

Chain	Descriptor
external	`wpkh([73c5da0a/84h/0h/0h]zpub6rFR7y4Q2AijBEqTUquhVz398htDFrtymD9xYYfG1m4wAcvPhXNfE3EfH1r1ADqtfSdVCToUG868RvUUkgDKf31mGDtKsAYz2oz2AGutZYs/0/*)`
change	`wpkh([73c5da0a/84h/0h/0h]zpub6rFR7y4Q2AijBEqTUquhVz398htDFrtymD9xYYfG1m4wAcvPhXNfE3EfH1r1ADqtfSdVCToUG868RvUUkgDKf31mGDtKsAYz2oz2AGutZYs/1/*)`

First addresses (mainnet)

Path	Address
m/84'/0'/0'/0/0	`bc1qcr8te4kr609gcawutmrza0j4xv80jy8z306fyu`
m/84'/0'/0'/0/1	`bc1qnjg0jd8228aq7egyzacy8cys3knf9xvrerkf9g`
m/84'/0'/0'/0/2	`bc1qp59yckz4ae5c4efgw2s5wfyvrz0ala7rgvuz8z`
m/84'/0'/0'/1/0	`bc1q8c6fshw2dlwun7ekn9qwf37cu2rn755upcp6el`

utxoproof full report 2023

Contents

Portfolio overview

Allocation

BTC/EUR daily close, last 12 months

Holdings by tax behavior

Holdings by funding channel

Accounts

Tax report 2023

Classification

Annual summary

Disposals

Holdings status

All-time summary

Per-year realised gains

Remaining inventory

Privacy report

KYC summary (unspent)

Mixing events

Advisory

Per-UTXO table

Summary

Provenance 3333333333333333333333333333333333333333333333333333333333333333:0

Saga coverage

Provenance saga (all parents, oldest first)

Cross-domain evidence

Candidate links (never asserted)

Unresolved / truncated legs

Branch detail (consolidations)

Fan-out siblings

Evidence references

Attachments

Provenance 4444444444444444444444444444444444444444444444444444444444444444:0

Saga coverage

Provenance saga (all parents, oldest first)

Cross-domain evidence

Candidate links (never asserted)

Unresolved / truncated legs

Branch detail (consolidations)

Fan-out siblings

Evidence references

Attachments

Provenance 2222222222222222222222222222222222222222222222222222222222222222:0

Saga coverage

Provenance saga (all parents, oldest first)

Cross-domain evidence

Candidate links (never asserted)

Unresolved / truncated legs

Branch detail (consolidations)

Fan-out siblings

Evidence references

Attachments

Provenance 1111111111111111111111111111111111111111111111111111111111111111:0

Saga coverage

Provenance saga (all parents, oldest first)

Cross-domain evidence

Candidate links (never asserted)

Unresolved / truncated legs

Branch detail (consolidations)

Fan-out siblings

Evidence references

Attachments

Descriptor check

Descriptors (Bitcoin Core import)

First addresses (mainnet)