Portfolio / Wallet Analyzer

Concept White Paper – Radix Ecosystem

Author: 73arte
Date: January 27, 2026

Purpose

The Portfolio / Wallet Analyzer is a read-only, community-driven tool designed to give Radix users a reliable, neutral and comprehensive view of the real economic value of their on-chain assets.

It addresses the core opacity of modern Radix DeFi:

• Value hidden in composable derivatives (LSU, LSULP, LP tokens)
• Stacked / compounded yields
• Fragmented data across protocols
• No meaningful insight from raw wallet balances alone

Core Problem Solved

Users cannot easily answer:

• What do I truly own right now?
• What is each position earning (or costing) per day?
• What is the net value after debts and realistic liquidity?

The Analyzer provides:

• Instant snapshot of the full portfolio
• Accurate translation of derivatives to underlying economic value
• Multi-account aggregation with selective inclusion
• Transparent yield & cost calculation at snapshot time
• No projections, no hype, no transaction execution

Scope & Design Principles

• Read-only: no signing, no approvals, no custody
• Protocol-agnostic: no hard dependency on any specific dApp
• Future-proof: works as long as Radix exposes public state
• Transparent limitations: data freshness, oracle latency, minor temporal discrepancies acknowledged
• Community aggregation: consumes existing public endpoints & on-chain data (no duplication of analytics work)

Asset Coverage

• Native & standard fungible tokens (XRD, other native resources)
• DeFi derivatives
  • Liquid Stake Units (LSU) — fungible per validator
  • Liquidity Provider tokens (LP)
  • Composable LSU-LP derivatives (LSULP, etc.)
  • Pool receipt tokens
• Yield-generating positions (swap fees, lending interest, incentives — treated by economic origin)
• NFTs
  • Ownership / rights NFTs
  • Temporary unstaking claim NFTs (validator withdrawal receipts)
  • Other financial position NFTs
• Potential future RWA (tokenized real-world assets — marked as optional)

Note on staking: No separate "staking" category. On Radix Babylon, staking exposure is materialized exclusively through tokenized derivatives (mainly LSU fungible tokens). Unstaking claims are temporary NFTs.

Key Features

• Multi-account support with dynamic inclusion/exclusion
• Class filtering (DeFi, NFTs, borrowing, etc.)
• Current estimated value + daily yield/cost per position
• Consolidated net value (XRD + fiat via user-chosen oracles)
• User-controlled data refresh & snapshot timestamping

Monetizable Features (Premium Tier – Optional)

The tool can offer advanced, user-paid features that provide significant value for serious users, compliance needs, or long-term tracking:

• Automated historical tracking

  • Scheduled snapshots (daily, weekly, monthly) via background bot
  • Time-series view of portfolio evolution (gains/losses, yield changes, position shifts)
  • Alerts for major changes (e.g., collateral ratio, large impermanent loss)

• Accounting & fiscal reporting

  • Exportable reports in CSV, Excel or PDF
  • Realized gains/losses per position and per period (for tax declaration)
  • FIFO/LIFO cost basis tracking (configurable)
  • Compliance-oriented summaries (e.g., aligned with MiCA/DAC8 requirements in EU)
  • Multi-currency fiat conversion history (user-fixed exchange rates for consistency)

These premium features remain optional, fully user-controlled, with no impact on the free core functionality.

Security Model

• No private key access
• No transaction capability
• Wallet connection only for read access (state queries)
• No smart contract interaction from the tool itself

License (Custom – Dev Friendly)

Attribution + Non-Commercial + Royalties on Monetization

You are free to:

• Use, study, modify, fork this concept
• Build tools, apps, extensions, dashboards inspired by it

You must:

• Keep the original attribution ("Concept by 73arte") visible in your project (README, about page, UI footer)
• Not use it for purely commercial purposes without agreement

If your implementation generates revenue (premium features, subscriptions, paid exports, ads, sponsorships, donations with perks, app-store monetization, etc.), you agree to pay 5% royalties on net revenue to the author (73arte), paid in XRD to a dedicated royalties wallet address (provided privately upon serious implementation discussions).

This is a moral & community convention — not enforceable by smart contract, but expected in the Radix open ecosystem.

Challenges for Developers

1. Resolve real underlying XRD value of any LSULP / composable derivative in < 2s using public Radix API + pool state queries.
2. Aggregate multi-account positions with dynamic filtering without performance degradation on mobile.

Feedback or questions → open an issue on this repository.