Article Summary
This article explains River's Performance page, including account value, gains, bitcoin cost, and tax lot details like cost basis and term.
On river.com, the "Performance" page gives you a clear picture of how your bitcoin and cash have changed over time. To open it, click "Performance" on the left side of your River homepage. It's divided into four sections:
Each section breaks down a different part of your performance on River.
Total account value
"Total account value" at the top of the "Performance" page shows the current value of your bitcoin and cash on River. Below it, you'll see how much it changed in the past 24 hours and a chart of your account value.
Click "Total account value" to open the full chart. Choose a time period from "24H," "1W," "1M," "3M," "1Y," "3Y," or "ALL" to see how your account value changed over that time.
Bitcoin balance
Click "Your bitcoin" below the chart to see what changed your bitcoin balance during the selected time period.
- "Value 24H ago": The value of your bitcoin balance at the start of the selected time period.
- "Bitcoin bought": The value of bitcoin you bought during the selected time period.
- "Bitcoin received": The value of bitcoin you received during the selected time period, including transfers, interest, referrals, and mining rewards.
- "Bitcoin sold": The value of bitcoin you sold during the selected time period.
- "Bitcoin sent": The value of bitcoin you sent during the selected time period.
- "Past 24H gains": The change in the value of your bitcoin balance due to price movement during the selected time period.
- "Current value": The current value of your bitcoin balance.
Cash balance
Click "Your cash" below the chart to see what changed your cash balance during the selected time period.
- "Value 24H ago": The value of your cash balance at the start of the selected time period.
- "Cash in": The amount of cash added to your account during the selected time period, including deposits and bitcoin sales.
- "Cash out": The amount of cash that was withdrawn from your account during the selected time period, including withdrawals and bitcoin buys.
- "Current value": The current value of your cash balance.
Gains
The "Past 24H gains" card shows your bitcoin gains or losses over the past 24 hours. At the bottom of the card, you'll also see your all-time gains.
Click "Past 24H gains" to open the full chart and choose a time period. Your gains are made up of two parts:
- Unrealized gains: The potential gains on bitcoin you still hold. It's the difference between what you paid and what it's worth right now.
- Realized gains: The gains you locked in when you sold bitcoin. It compares what you received from each sale with what you originally paid.
Below the chart, click the unrealized gains or realized gains card to see how each is calculated for the selected time period.
Bitcoin cost
- "Average bitcoin cost": The average amount you have spent per bitcoin held on River. This includes received bitcoin, but excludes sold and sent bitcoin.
- "Total bitcoin cost": How much you spent on bitcoin buys, receives, and payouts at the time they were acquired that are still held on River. This excludes any bitcoin you've sold or sent.
Click "Average bitcoin cost" to compare your average with the current bitcoin price and see your lowest and highest acquisition costs. Click "Total bitcoin cost" to see your total split into "Recurring buy," "One-time buy," "Target price order," and "Received bitcoin."
Please note that received bitcoin without a cost basis is left out of your "unrealized gains", "realized gains", "Average bitcoin cost," and "Total bitcoin cost." To include it, add a cost basis on the "Bitcoin tax lots" page.
Bitcoin tax lots
To see each of your bitcoin lots, click "Bitcoin tax lots" at the bottom of the "Performance" page. You can also click "View tax lots" after clicking "Average bitcoin cost" or "Total bitcoin cost."
Bitcoin acquired on River
Bitcoin acquired on River includes lots that originated on the platform, with a cost basis automatically applied.
| Column | Description |
|---|---|
| Acquired | The date your bitcoin was bought or earned on River. |
| Term | Holdings for less than a year are considered short-term, whereas those held for longer than a year are long-term. |
| 24H returns | Your returns over the past 24 hours based on what you paid for this bitcoin compared to its current value. |
| Total returns | Your bitcoin returns based on what you paid compared to its current value since you acquired this bitcoin. |
| Current value | The dollar value of your bitcoin based on the current bitcoin price. |
| Cost basis | The cost of your bitcoin at the time of acquisition, including any transaction fees and spread. This reflects bitcoin buys, payouts, and receives. |
| Quantity | The amount of bitcoin you acquired. |
| Average cost basis | The average amount you spent per bitcoin at the time of acquisition, including any transaction fees and spread. |
| Received bitcoin | Deposited bitcoin lots that did not originate on River. Until you add a cost basis, River applies the market price at the time of receipt as an estimated cost basis for the returns on this page. |
Please note that your estimated cost basis information is provided only for your reference. River cannot guarantee its accuracy and will not report it to the IRS. For the most accurate tracking, we recommend updating your cost basis manually using your own records.
Received bitcoin
Below is a breakdown of your received bitcoin activity. These labels help you understand the status of your received bitcoin and whether any cost basis information needs review or has already been added.
- Needs review: Received bitcoin that needs a cost basis added.
- Modified: Received bitcoin that you already added a cost basis for.
- Received bitcoin balance: The amount of bitcoin you've received.
- Current value of received bitcoin: The dollar value of all the bitcoin you've received.
| Column | Description |
|---|---|
| Date | Received bitcoin that needs review uses the date it was received on River, while modified bitcoin uses the date you acquired it. |
| Term | Holdings for less than a year are considered short-term, whereas those held for longer than a year are long-term. |
| 24H returns | Your returns over the past 24 hours based on what you paid for this bitcoin compared to its current value. |
| Total returns | Your bitcoin returns based on what you paid compared to its current value since you acquired this bitcoin. |
| Current value | The current dollar value of your bitcoin. |
| Quantity | The amount of bitcoin you acquired. |
| Average cost basis | The average amount you spent per bitcoin at the time of acquisition, including any transaction fees and spread. |
| Cost basis | The amount you spent on your bitcoin at the time of acquisition, including any transaction fees and spread. |
For more information on how to manually add cost basis information for any deposited bitcoin lots, please see this Help Center article.
Please note that River does not provide investment, financial, tax, or legal advice. Please consult a qualified professional for guidance on your performance and how your financial results apply to your specific situation.