The sentence that does most of the work
Zerion does not hide this, and we would rather quote it than paraphrase it:
this only works for non-custodial wallets, and Zerion will not be able to show assets you own on centralized exchanges.
That is not a flaw. It is a product boundary, stated up front, and it is exactly the right answer for someone who has already left exchanges behind. But most people have not. Coin bought on Binance, bridged to an L2, farmed, then partly sold back on an exchange is an ordinary shape, and a wallet-only view of that story shows you the middle of it with both ends missing.
We read both ends: 11 exchanges by read-only API key and 52 chains by public address, reconstructed into one continuous history where a withdrawal from an exchange and the deposit into your wallet are linked rather than counted twice.
Where Zerion wins
Live DeFi. Zerion is built around on-chain positions in a way we are not: we capture staking and lending income as events, and we do not value a live liquidity-pool position, its yield, or its impermanent loss. If that is the number you look at daily, Zerion is closer to it than we are.
It is also a wallet, so it can act. We are read-only by design, cannot move funds, and have no code path that would let us. That is a security property we like and a limitation at the same time.
And it sells a real API, with a free developer tier, which we do not.
Side by side
Chain counts are quoted from Zerion's enumerated help-centre list rather than from a marketing headline, because the enumerated list is the one you can check row by row.
| Capability | WhereItGoes | Zerion | What that means |
|---|---|---|---|
| Reads centralized exchanges | Yes | No | Zerion states it tracks non-custodial wallets only and will not be able to show assets you own on centralized exchanges. We read 11 exchanges by read-only API key alongside 52 chains. |
| Detailed P&L on free | Yes | No | Zerion says most of its DeFi portfolio tracker is completely free, with detailed profit and loss (realised, unrealised and average cost) reserved for Premium. |
| On-chain coverage | Yes | Yes | Zerion's help centre enumerates 35 chains with full support and 21 with lite support. We cover 52 chains by public address, and go less deep on live DeFi positions than Zerion does. |
| NFTs | No | Partial | Zerion shows NFTs on its full-support chains, and not on Solana or on its lite-support chains. Our NFT support is minimal. |
| Public API | No | Yes | Zerion sells API access: a free developer tier at 2,000 requests a day, then Builder at $149 a month and Startup at $499 a month. We do not offer a public API. |
Each capability above links to the Zerion page the claim was read from, checked on 2026-08-10. Feature lists and prices change without notice: if one of these has moved, tell us at support@whereitgoes.money and we will correct it.
Which one to use
Use Zerion if you are wallet-native: everything on-chain, DeFi positions you watch closely, and a wallet you want to transact from. Use us if any meaningful part of your money has ever sat on an exchange, because that is the part Zerion tells you it will not show.
Plenty of people run both, and there is nothing incoherent about that. A wallet you act in and a ledger you reason with are different tools.
We would rather you read our own limits before you trust a page where we chose the comparison. No downloadable tax reports, no live DeFi position valuation, minimal NFT support, no mobile app, and history that stops where each exchange API stops: what WhereItGoes does not do