Plain-English Portfolio Summary

WHAT IT DOES

Plain-English Portfolio Summary provides AI-powered analysis of any wallet's cryptocurrency portfolio. Analyze token balances across multiple tokens including ETH, stablecoins, and DeFi tokens. Retrieve current token prices to calculate total portfolio value. View asset allocation percentages showing how your portfolio is distributed across different assets. Identify stablecoin exposure and stablecoin-heavy portfolios. Analyze DeFi positions including protocol tokens and staked positions. View NFT holdings and floor prices. The AI translates these technical holdings into a plain-language summary with a clear portfolio type verdict (Well-Diversified, Concentrated, Stablecoin-Heavy, DeFi-Heavy, or NFT-Heavy), overall portfolio value, asset allocation breakdown with percentages, notable holdings, risk observations, and a final overview. This is an essential tool for investors, traders, and anyone who wants to understand their portfolio composition without wading through spreadsheets or multiple block explorers.

HOW TO USE

1. Connect your Web3 wallet (Ethereum, Polygon, Arbitrum, Optimism, BSC, or any EVM-compatible chain).

2. Select the network that matches your target chain from the dropdown.

3. Enter the wallet address you want to analyze.

4. Choose whether to include NFTs in the summary.

5. Click "summarize portfolio" to read on-chain token balances, fetch prices, and generate an AI summary.

6. Review the portfolio type verdict, total value, asset allocation breakdown, notable holdings, and risk observations.

7. Use the summary to understand your portfolio composition, identify concentration risks, or evaluate counterparty holdings.

8. Remember: the AI explanation is generated from on-chain data — always review your wallet's signature prompt before signing.

TECHNICAL MECHANISM

Plain-English Portfolio Summary reads real on-chain token balances for the specified wallet address using the provider. The tool queries token balances across ERC-20 tokens and native ETH by scanning the wallet's holdings and identifying all token contracts. It fetches current prices for each token using a price oracle or market data provider. It calculates the total portfolio value and asset allocation percentages for each holding. It identifies stablecoin exposure by categorizing tokens like USDC, DAI, USDT, and BUSD. It identifies DeFi positions by recognizing protocol tokens (UNI, AAVE, MKR, CRV, LDO). It queries NFT holdings by scanning for ERC-721 and ERC-1155 tokens and retrieving collection names and floor prices. The parsed on-chain data is then passed to the AI bridge (BGAI.generate) which produces a structured summary in plain language. The AI explanation is capped at 1,024 tokens and focuses on actionable portfolio insights, concentration risks, and clear categorization. The tool presents the summary before any action is taken, enabling the user to understand their portfolio composition.

WHAT IT CANNOT SEE

This tool cannot verify that token balances reflect current holdings across all chains — balances may be inaccurate or spread across multiple networks. It cannot detect off-chain assets or holdings that are not represented as tokens on-chain. It cannot guarantee price data accuracy or timeliness — prices may be delayed or differ across providers. It cannot ensure that all tokens in the wallet are recognized or priced correctly — obscure tokens may be missing or mispriced. The AI analysis is based solely on token data and prices — it cannot detect off-chain holdings, pending transactions, or future price movements. Always verify critical information independently and never rely solely on automated analysis for financial decisions. The AI explanation is generated and does not replace reviewing what you are actually signing in your wallet.

PLEASE NOTE

Plain-English Portfolio Summary supports EVM-compatible blockchains only (Ethereum Mainnet, Goerli, Polygon, Arbitrum One, Optimism, BNB Smart Chain, and others via network selection). The tool requires a free API key for the AI bridge and price data provider. The tool never submits transactions or signs messages; it is strictly read-only. The AI explanation is generated after reading token data — always review your wallet's signature prompt before approving any transaction. NFT inclusion may increase analysis time. Price data is sourced from market providers and may not reflect real-time exchange rates. The tool cannot detect off-chain holdings or future price movements.