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Binance Portfolio Tracking ​

Track your Binance token balances and PnL alongside connected wallets.

How to Connect ​

Create a read-only API key in your Binance account settings. FinCobra needs:

  • API Key
  • API Secret
  • Permissions: read-only (no trading or withdrawal permissions required)

What's Tracked ​

  • Spot balances — all tokens in your spot wallet
  • Funding balances — assets in your funding wallet
  • Flexible earn — tokens in Binance Simple Earn (flexible products)
  • Locked earn — tokens in Binance Simple Earn (locked products)
  • Stocks and ETFs — equity holdings returned by Binance, including fractional shares such as VOO

Stocks and ETFs appear with their trading ticker and share quantity. Their estimated USD value uses the midpoint of Binance's current bid and ask quote. They are included under Stocks & ETFs in the net-worth breakdown and Assets view. Each stock holding shows its average acquisition cost and unrealized PnL when its execution history matches the current share quantity.

If a price is unavailable, the holding's quantity remains visible with Price unavailable. Other holdings continue to update. The account total includes priced holdings and is marked Incomplete total until all required prices are available. Net worth is unavailable while a required price is missing. If a balance refresh fails, the account keeps its last valid value and shows the error and last update time.

Spot and earn balances for the same token are merged into a single balance for PnL calculation.

How PnL Works ​

Trades establish acquisition costs when their required values are known. Matched deposits and withdrawals between connected owned sources carry basis. External receipts without a matched source use their historical market value at entry to the tracked portfolio. This measures performance from that entry.

Account and token figures use available source accounting. An asterisk (*) marks incomplete accounting. Priced balances without a calculated PnL still contribute to total portfolio value. Incomplete combined PnL shows the available amount without a percentage.

See How PnL Works for formulas and transfers.

Stocks and ETFs — Average Acquisition Cost ​

FinCobra reads Binance's stock executions and order fees when a stock position first appears. It stores the remaining cost basis with the share quantity in the database. Purchases add their execution value and purchase fees. Sales reduce the cost basis in proportion to the shares sold. A fully closed position has zero remaining cost.

Unrealized PnL = current share value − remaining cost basis. This is shown separately for each stock in Accounts and Assets. It excludes realized gains and dividends. Account and header totals combine available stock and crypto PnL. When coverage is complete, their percentage uses the displayed balance minus the combined PnL.

While the account is refreshed, a change in share quantity triggers a history check. FinCobra also checks for new executions every five minutes, so a sale and purchase that leave the same share quantity still update the cost basis. A daily full check refreshes order fees and older executions. Routine balance refreshes use the saved basis.

Calculating PnL… means a stock history check is in progress. PnL unavailable means history or fees are incomplete, the API failed, or the calculated share quantity does not match the balance. Transfers and corporate actions can cause this mismatch. Stock purchase costs come from executions.