The application
Dashboard
One screen to read your portfolio: what you own, what you are exposed to, what is working for you, and what needs attention.
On this page
The dashboard reads like a statement: a status line, your net worth and its trajectory, what the portfolio earned and its performance, then the signals that may need a decision next to the briefing, allocation next to the Capital card (yield, lending, structure), and your positions. History builds from snapshots over time. Explanations that do not change how a figure reads (definitions, thresholds, where a number comes from) sit behind the ? next to its label: hover it with a mouse, or tap it on a phone.
Three figures
Net worth, gross exposure and productive capital answer three different questions: what you own, what you are exposed to, what is working for you.
One status line
At the top of the page, the date above the title is the day of the latest snapshot, not today's date. Data is the time of that snapshot, the point used for history, marked partial when prices were missing, a connected account's positions could not be read completely, connected accounts were read on different days, or an account's transactions did not add up, with a warning dot and the words snapshots failing when your own automatic snapshot is missing: the last daily run did not capture it, or your latest one is more than 36 hours old. Prices says whether live prices are up to date, cached, partial or unavailable; they refresh about every 5 minutes. Accounts, shown when you have connected accounts, says whether their balances are up to date or how many need verification, and links to the accounts page. Attention counts the signals and links to them.
One place for attention
The Attention module lists what may need a decision, ranked by severity, then amount at stake, then recency. Five lines show at once and a critical line never folds away: it opens with its explanation. On a narrower screen, such as a phone or a tablet held upright, Attention comes before the net worth card when a line is critical. The bell keeps the full list of notifications.
History from snapshots
The trajectory chart, the 7-day and 30-day changes and the performance metrics are all built from daily snapshots, never backfilled. Each change starts from a complete snapshot and ends at the net worth shown.
Net worth
- What it means
- Assets minus debt: what you actually own. When an asset or a debt has no price, net worth is the sum of the known parts and reads ≈; the ? next to it gives how many are left out.
Gross exposure
- What it means
- All positions summed without netting debt: your market exposure. With leverage it exceeds net worth, and it is only shown when the two differ.
Productive capital
- What it means
- The part of your capital deployed in yield positions and generating income.
With $12,000 in assets and $2,000 in debt, net worth is $10,000. Gross exposure is $12,000. If $3,000 is deployed in yield positions, that is the productive capital.
Adding another $1,000 increases net worth, but the deposit is not a market gain.
- The trajectory chart draws your net worth from snapshot history, with the 7-day and 30-day change and, below it, the positions whose value moved the most, with their window (over 7 d, for instance). Each change runs from the complete snapshot closest to 7 or 30 days ago to the net worth shown, and its label gives the real number of days: over 29 d when that snapshot is 29 days old. A partial snapshot never serves as a starting point. Those are value changes: deposits and withdrawals count, not only market moves. Without a 7-day snapshot, net worth shows the change since the latest complete snapshot, with the deposits and withdrawals recorded as transactions since then and the accounts archived since then taken out; when a yield or lending position was added, closed or edited since that snapshot, no change is computed. When a held asset has no price, the net worth shown is partial: no change is computed, it reads –, and the ? next to net worth gives the reason. So does a history with no complete snapshot yet. The ? next to the period says since when the history runs and when performance will be available.
- Next to net worth, This month shows what the portfolio earned since the 1st (UTC); the ? next to its label gives its split by source and the yield accrued since the last snapshot: an estimate refreshed once a minute, and the only figure on the dashboard that updates by itself. The Realized return line, under net worth, gives the same split for this month and since the start: yield, realized trading (sales of tradable assets at average cost), unrealized trading (open positions, shown but not counted in the total) and, for the month, loan interest. Since start counts every one of those recorded sales and the gains of the positions still open, since they opened; loan interest is not tracked over that period. What cannot be observed yet is an estimate marked ≈: the month's yield (each position's own realized rate when it has one, its APY otherwise, applied to its days elapsed) and loan interest (each loan's rate applied to its debt). A position or a loan opened during the month counts its own days only. The debt whose rate is unknown is stated in dollars: its interest stays out of the total, and the month's total reads ≈.
- Attention gathers risk alerts, data warnings (for example a connected account with a failed synchronization in the past 7 days), the most recent unread notifications, up to 7 days old, when in-app notifications are on, an allocation outside its band or capital not assigned to a pocket, a realized yield at least 1 point below the APY of the same positions, a high-risk structure, price or snapshot problems, and setup steps. Two sources reporting the same fact merge into one line. A fall in net worth is measured from its peak, deposits and withdrawals taken out, as the Performance line measures it, and shown at your warning and critical drawdown percentages while the latest snapshot is at most three days old; when a connected account's history cannot trace every flow, the drop is measured on the snapshot totals themselves, and the line says it may include deposits or withdrawals. Exposure rising while net worth falls is shown only on a like-for-like comparison: a complete daily snapshot of the last three days, every line priced, no yield or lending position added, closed or edited since then, and the known deposits, withdrawals and account archives since then taken out. A yield below target shows only when you have set a yield target and, while its alert is on, the capital its APY covers has reached the minimum set for that alert, as on the Yield page; its line shows the yearly cost of the gap. Under that minimum the Yield line says nothing either, and the ? next to the weighted APY says from when it will. Borrowed funds not deployed are flagged only for a loan whose use of funds is known: the principal deposited in the yield positions it funds, in the borrowed asset, or an allocated amount entered on it; and only above 2% of the total debt, $100 at least. An asset quoted or held in a currency other than the US dollar says so: it is not converted and stays out of the totals. Clicking a line unfolds it: an alert's finding with its numbers (a health factor, its threshold and the margin before liquidation, for instance), then its options when there are some, View, which opens the matching part of the dashboard or the page that carries the detail, and a question for the copilot. It never marks a notification as read.
- Allocation: your split by domain, each with its gap to target in percentage points, and, once a plan is saved, a score showing how closely you stay within your tolerance bands. A gap outside the band is shown in the warning color; inside the band it stays neutral. A domain whose band is 0% at every bound (Other assets by default) carries no target: capital held there is never outside its band and does not lower the score, as on the Allocation page. Capital that is not assigned to a pocket of your plan is stated behind the ? next to the title, with how to read the bars: it still counts in its default domain. The score is hidden when prices do not support a complete reading, or when most capital sits outside your plan's pockets. In the first case the gaps are hidden too: each domain keeps its target, but no gap is computed from partial percentages.
- The Yield line of the Capital card shows the weighted APY of your positions, the estimated monthly income, a capital-weighted realized rate (rewards actually paid against deposits, annualized) and the lifetime gains of open positions. The realized figure is hidden while every position is on too short a window to annualize. A position with no reward recorded does not enter the realized rate: 0% would say the opposite of the truth; with no reward recorded at all, it reads – with that reason. When the realized rate does not cover every position, the card says how many it rests on (on 2 of 5 positions, for example). The weighted APY rests on the positions whose APY is known: a position with no known APY shows – in the Positions table and does not count as 0%; with no APY known, the rate reads – and no below-target status is shown. The monthly income reads ≈: each position at its APY compounded monthly, a position with no known APY earning nothing, the rule Projections and Stable Yield apply too.
- The Lending line of the Capital card shows the lowest health factor across your positions, with a Healthy, Warning or Critical status that uses the thresholds you set in Settings, Thresholds and rates, the margin before liquidation, and the carry spread when borrowed funds are redeployed into yield. A health factor estimated on an assumed peg reads ≈. The average borrow rate weights each open loan whose rate is known by its debt, whether or not it funds a yield position: a loan with no rate does not count as 0%, it reads – when no loan has one, and the ? next to it says how many are missing and the debt concerned. You can enter the rate on the lending position. It opens by itself when the lowest health factor is below your warning threshold.
- The Structure line of the Capital card gives the risk score out of 100 and its level, Low, Moderate or High risk, the same words as on Accounts: the higher the score, the less the measured factors weigh on your portfolio. It considers account distribution, exchanges and capital not deployed in yield. It does not summarize all risks. The largest position adds up one asset held in spot, in yield and as collateral, as a share of gross exposure. Spot not deployed shows, when you have yield, what the idle stablecoins would earn at your weighted yield; it does not apply it to other assets. On plans without the trading module, a blurred Signals line links to the Pro plan.
- The daily briefing, when AI is enabled, shows its summary and first priority; further priorities, the watchlist and notable changes unfold on demand. Two suggested questions open the copilot chat with the question already typed, never sent on its own. Its priorities follow the ranking rule of the Attention module. It can also be generated on demand. The daily briefing is written in the language saved in Settings, Display; generated on demand, it uses the language of the page. When the briefing shown is in another language than the page, the card says so and offers to write it in the page's language.
- The Positions table groups spot and yield positions, six lines per group on a computer and three on a phone, folds the rest into one Others line with a View all link, adds a Lending (net) line when you have loans, and totals to net worth. A spot asset or a yield position without a price shows Price unavailable and – instead of an amount, never $0; an asset quoted in a currency other than the US dollar shows its currency, not converted; a collateral or a debt without a price is left out of Lending (net). A line valued at an assumed $1, such as a PT token without a price, reads ≈. A token Patrima's price sources do not quote, but that your wallet provider priced at a sync in the last seven days, is valued at that last price and reads ≈ too; never a token used as collateral or debt by an open loan, whose health factor rests on observed prices only. The totals that leave something out, or rest on such an assumption, read ≈. A token with no known market, that neither Patrima's price sources nor your wallet provider can price, counts as zero and leaves nothing out.
Snapshots preserve portfolio state for history. History starts at the first snapshot and does not reconstruct earlier periods. An import or synchronization can also record one.
A partial snapshot indicates missing or older prices and is not used for performance. See Understand your data for update statuses.
Performance uses time-weighted return (TWR), calculated from complete daily snapshots. Flows recorded in spot transactions are distinguished from market changes; each flow counts between the two snapshots that frame it, at its own time of day, so a deposit made after the day's snapshot is not read as a fall that day and a gain the next. A transaction entered after the snapshots of its date, which did not hold it, counts when it is entered, valued at the price of the next snapshot. A transaction dated later than the moment it is entered also counts at that moment: the snapshots taken since then already hold it. At least 8 snapshots are needed.
A snapshot taken with a price missing or out of date is left out of the curve and of the calculation: the series spans it, as it spans a missing day, when no deposit or withdrawal happened in between, and otherwise starts again from the next snapshot. Editing or deleting a transaction that a snapshot already holds, or deleting an account, also starts it again from the next snapshot. The Performance line says since when it is measured, and the ? next to the curve says when the series restarted and why.
The change in net worth includes deposits and withdrawals. Performance metrics need a complete history of deposits and withdrawals for every account. When one is missing, for example for a yield or lending position entered by hand, the metrics stay unavailable instead of being estimated, and the dashboard says so.
Attention and notifications
The Attention module shows the most recent unread notifications, up to 7 days old, and never marks them as read; the bell keeps the full list. To manage read status, thresholds and delivery channels, see Alerts and notifications.
Frequently asked questions
What is the difference between Data and Prices in the status line?
Data shows when your latest snapshot was taken, the point used for history and trends. Prices shows whether live prices are up to date, cached (for about 5 minutes), partial or unavailable, and how many held assets have no price when some do not. Your net worth can move between the two: live prices update continuously, the snapshot once a day. Since snapshots are daily, a snapshot from earlier today or yesterday is normal.
What does "partial" next to Data mean?
The latest snapshot contains missing or old prices, positions of a connected account that could not be read completely, positions of connected accounts read on different days (an asset moved between them in the meantime could be missing or counted twice), or leaves out an account whose transactions do not add up (see why an account is left out). The status line shows it after the snapshot time. Its values may be incomplete and it is excluded from performance. A token valued at the last price your wallet provider recorded is an estimate, not a missing price: it does not make a snapshot degraded. Check the data status and see troubleshooting if the situation continues.
How are the performance metrics calculated?
They use a time-weighted return built from your daily snapshots: deposits and withdrawals recorded in your transactions (buys, sells, transfers) do not count as performance, only market moves and yield do. A snapshot captured with incomplete price data is left out; the series starts again from the next snapshot when a deposit or a withdrawal fell in the gap, or after an edit of a transaction that a snapshot already holds, and the dashboard says when. They need a complete history of deposits and withdrawals for every account: when one is missing, for example for a yield or lending position entered by hand, they stay unavailable instead of being estimated. With complete history, the metrics show up after about a week of daily history.
What do max drawdown, volatility and Sharpe mean?
Max drawdown measures the largest peak-to-trough fall in performance. Volatility describes the size of fluctuations. Sharpe and Sortino compare return with variability, with Sortino focusing on downside changes. These statistics describe the observed period; they do not predict the next one.
What does the Realized return line show?
It shows what the portfolio has earned, split by source: yield, realized trading (your sales of tradable assets, stablecoins and cash aside, at average cost), unrealized trading (open positions, shown but not counted in the total) and loan interest. Two periods: the current month (from the 1st, UTC) and since start, which counts every one of those sales and the gains of the positions still open, since they opened (loan interest is not tracked over that period). Anything realized comes from your transactions or observed values. Anything that cannot be observed yet is an estimate, marked with ≈: the month's yield (each position's own realized rate when it has one, its APY otherwise, applied to its days elapsed) and loan interest (each loan's rate applied to its debt). A position or a loan opened during the month counts its own days only. The debt whose rate is unknown is stated in dollars: its interest stays out of the total, and the month's total reads ≈. Next to net worth, This month repeats the month's total, and its ? gives the yield accrued since the last snapshot: the same estimate, refreshed once a minute. It is the only figure on the dashboard that updates by itself, and it is an estimate, never a promise. Since start has no date: trading covers all your recorded sales of tradable assets, as on the spot page, yield the positions still open; a position without a price is left out, and the total reads ≈. Unrealized trading counts the positions the spot page counts, the tradable ones you hold, stablecoins and cash aside, by the same rule: those with both a price and a known cost. When a cost basis is unknown (balances observed on a connected account, or an import without complete transaction history) or a price is missing, it reads ≈ on the others, and its ? says how many positions it counts out of how many; when none qualifies, it reads Price unavailable if none has a price, Insufficient history otherwise. A token Patrima's price sources do not quote, valued at the last price your wallet provider recorded in the past seven days, is counted in it as in the net worth: unrealized trading then reads ≈ and its ? says so. The spot page, which reads only the prices of Patrima's sources, counts that token among those without a price. Realized trading shows a dash as soon as a sale rests on an unknown cost, with the totals that include it; the reason, Insufficient history, is stated once, and nothing is counted as zero. Yield since start does the same when a synchronized position has no deposit history. In the positions table, an unknown P&L also shows a dash, and the ? next to the Positions title counts the positions concerned.
Why is my history chart empty or short?
History builds automatically from daily snapshots, so it starts with your first snapshot, taken right after your first import or, for data entered by hand, at the next daily capture. It fills in day by day; the past cannot be backfilled, and an import or a synchronization records a snapshot right away.
What do Info, Warning and Critical mean?
They rank how urgent an alert is. Info is context; no action needed. Warning means a threshold you configured has been crossed, for example a health factor below your warning level. Critical means the situation needs prompt attention, such as a health factor close to liquidation. Thresholds are configurable in Settings, Thresholds and rates. On the dashboard, alerts appear in the Attention module, ranked by severity first, and a critical line is never folded away.
How does the daily briefing work?
When AI is enabled, the copilot writes a short briefing each day: a summary, priorities with the numbers behind them and the options they open, a watchlist and notable changes. The card shows the summary and the first priority; the rest unfolds on demand. Two suggested questions open the copilot chat with the question already typed, never sent on its own. The briefing ranks its priorities with the same rule as the Attention module, and judges your allocation on the band of your mandate and your yield on your own target, as the pages do; notifications and setup steps stay in the Attention module. The daily briefing is written in the language saved in Settings, Display; one generated on demand uses the language of the page. A briefing in another language than the page stays visible, with its language and a button to write it in the page's language. If you see "AI disabled", enable it in Settings, AI Copilot; if the card says the copilot is unavailable, it is off for every account and no setting turns it back on. When a generation fails, the card says why: an outage, an answer cut before its end, a declined request, or the month's quota reached, with the date it renews. You can also generate a briefing on demand, and rate it as helpful or not.
What is the Attention module on the dashboard?
It is the one place where the dashboard lists what may need a decision: risk alerts, data warnings, the most recent unread notifications (up to 7 days old), an allocation outside its band, a realized yield below the APY of the same positions, a high-risk structure, price or snapshot problems. When two sources report the same fact (an alert and its notification, for instance), they merge into one line. Lines are ranked by severity, then by the amount at stake, then by recency. Five lines show at once and the rest fold, but a critical line is never hidden: it opens on its own, with its explanation. On a narrower screen, such as a phone or a tablet held upright, Attention comes before the net worth card when a line is critical. Each line shows a title and, when it matters, the amount at stake. Clicking a line unfolds it: an alert's finding with its numbers (a health factor, its threshold and the margin before liquidation, for instance), then the options it opens when there are some, View, which opens the matching part of the dashboard or the page that carries the detail, and Ask the copilot, which opens the chat with a question about that line already typed. An allocation line says whether the domain is above or below its band, in percentage points. On a calm day the module says so, with the time of the last snapshot. The status line at the top of the page repeats the count.
What does the gold compass mean?
Gold marks anything that calls the AI Copilot, and nothing else. The compass sits on the briefing card and its suggested questions, on the Ask the copilot question inside an unfolded Attention line, and on the AI Copilot button in the top bar of every page (the compass alone on a phone), which opens the chat. A question from the dashboard opens the chat with that question already typed, which you can edit before sending. Everything else on the dashboard is computed from your data without AI. Nothing marked in gold executes anything: the copilot explains and compares, you decide. Modules reserved for the Pro plan appear blurred with an Available with Pro link to the plans.
Net worth, gross exposure, productive capital: what's the difference?
Net worth is assets minus debt: what you actually own. Gross exposure adds up all positions without netting debt, showing your market exposure; with leverage it exceeds net worth. Productive capital is the part of your capital deployed in yield positions and generating income. The three answer different questions: what do I own, what am I exposed to, what is working for me.
See also