Divly is built for French investors who want a fast, private, tax-first workflow. Waltio is better suited to users who also want portfolio tracking, performance monitoring, and a broader crypto dashboard alongside tax reporting.
Last updated: May 3, 2026. Divly details are based on Divly's public France and pricing pages plus internal 2026 France usage statistics. Competitor information is based on Waltio's public pages.
Divly and Waltio both help French crypto investors prepare tax reports. The main difference is focus.
Divly is built for fast, private crypto tax reporting in France. Most French users go from import to report in 14 minutes, with no KYC. An expert review is available if you want extra reassurance before filing.
Divly is the better fit if your priority is finishing your French crypto taxes quickly and confidently. Waltio is stronger if you also want a broader dashboard to monitor your crypto wealth, performance, and asset allocation over time.
Waltio may be a better fit if you want to track your crypto portfolio in real time, sync many wallets and exchanges, compare performance against major assets, and use tax reporting as part of a broader portfolio-management workflow.
Speed claims mean little without context. Divly shows how French users actually move from import to report.
of French users make no edits after import. When edits are made, the average is only 1-2 edits.
The majority of French users go from import to tax report in 14 minutes.
of French users go from import to report in 4 minutes.
Source: Internal France user data, 2026.
French crypto tax tools can look similar at first. The differences become clearer when you compare speed, privacy, review options, pricing, and support.
| Decision criterion | Divly | Waltio | Best fit |
|---|---|---|---|
| Speed | Uses actual 2026 France data: majority import-to-report in 14 minutes, 25% in 4 minutes, and 91% make no edits. | Uses headline-style speed claims such as “taxes in one click.” These suggest simplicity, but “one click” is not a literal filing process: users still need to import data, review results, generate documents, and file. | Divly More transparent claim quality. |
| Privacy and data security | Divly can be used without KYC, supports anonymous use, and uses read-only API access for exchange connections. Users can also delete transactions, synced wallets, and their account at any time. | Waltio does not require KYC, supports anonymous use, and uses read-only API access. Waltio has published details about its past security incident, and since then has stated that it is pursuing ISO 27001 certification. | Divly Stronger fit for privacy-conscious users |
| French tax forms | Supports Formulaire 2042, Formulaire 2086, and Formulaire 3916-bis for French crypto tax reporting. | Supports Formulaire 2042, Formulaire 2086, and Formulaire 3916-bis for French crypto tax reporting. | Equal Both are strong for French tax forms |
| Portfolio tracking | Divly includes portfolio and tax views, but is primarily tax-first: import, calculate, report, and declare. | Waltio is stronger for ongoing portfolio tracking and performance comparisons against benchmarks like BTC, ETH, the S&P 500, CAC40, and Gold. |
Waltio Better for users who want a broader crypto dashboard. |
| Human review option | Peace of Mind tier has a Divly expert review imported transactions, provide feedback, and make possible fixes. | Waltio also offers expert support/review options, but its expert review pricing starts at a higher level. | Divly Better for users who want optional reassurance at a lower entry point. |
| Support in France | Divly provides France-focused tax reports, filing guidance, and support by chat and email for users preparing their French crypto declaration. | Waltio provides guidance for the French tax portal and support by chat and email, including Walty AI in customer support chats. | Depends Both support French filing; Waltio may appeal to users who like AI-assisted support. |
| Pricing structure | Divly is typically the more affordable choice for users focused on tax reporting, especially if they want to pay when they need a report rather than maintain an ongoing portfolio subscription. | Waltio is better suited to users who want an ongoing subscription-style product that combines tax reporting with portfolio tracking and crypto wealth monitoring. |
Divly Better value for most tax-first users; Waltio for users who also want ongoing portfolio tracking. |
| Customer reviews | Divly has a 4.6⭐ Trustpilot score and is rated Excellent. | Waltio has a 4.3⭐ Trustpilot rating and is rated Excellent. |
Divly Divly has a higher Trustpilot score, but it's close; Trustpilot ratings can change over time. |
Divly helps French users move from transaction history to the documents they need for their declaration, with reports adapted to the French crypto tax rules.
French users need output that maps to their declaration obligations. Divly supports the core forms and is aligned with the French crypto tax context, including article 150 VH bis.
Divly is built around the part users actually want finished: importing their crypto history, checking the result, generating the right French tax documents, and knowing what to declare.
Connect your exchanges and wallets or upload transaction files. Divly brings your crypto history into one tax-focused workflow.
Check the results before filing. Most French users make no edits after import, helping keep the process fast and low effort.
Create your French crypto tax report for the relevant forms, including Formulaire 2042, 2086, and 3916-bis.
Use Divly’s guidance to report through impots.gouv.fr. Expert review is available if you want extra reassurance before filing.
Divly offers lower-cost tax reports and expert review without pushing users into a high-priced subscription-style setup.
Select your annual transaction count.
One-time payment for a France-ready tax report.
Annual subscription pricing by transaction band.
The same transaction selection updates Divly's Peace of Mind price.
A Divly expert checks your import, flags issues, and makes possible fixes.
Waltio provides a human review with recommendations or account validation.
Crypto tax software handles sensitive transaction history. For French users, the important questions are simple: does the tool require identity checks, can it move funds, and can you stay in control of your data?
Divly can be used without KYC and only requires an email address and crypto transaction history to generate a tax report.
Divly only needs read access when connecting exchanges. That means imported accounts are used to read transaction history, not to move or withdraw funds.
Users can delete transactions, synced wallets, and their Divly account. This keeps privacy decisions in the user’s hands after the report is created.
Divly follows GDPR requirements for handling personal data, helping French users keep control over how their tax information is processed and stored.
Divly and Waltio both support French crypto tax reporting. The better choice depends on whether you mainly want a focused tax workflow or a broader portfolio dashboard.
Divly is the better fit if your priority is finishing your French crypto tax report quickly, privately, and with clear filing guidance. Waltio is stronger if you also want ongoing portfolio tracking alongside tax reporting.
Divly is stronger for beginners who want fewer decisions before filing. Most French users go from import to report in 14 minutes, and expert review is available if they want extra reassurance.
Waltio is stronger for users who want to monitor crypto wealth throughout the year, with portfolio views, asset distribution, and performance comparisons against benchmarks like BTC, ETH, the S&P 500, CAC40, and Gold.
Divly is easier to recommend for privacy-conscious users because it can be used without KYC, supports read-only imports, and lets users delete transactions, synced wallets, and their account.
Before choosing a tax tool, it helps to understand what needs to be declared, how French crypto tax reporting works, and how Divly supports the filing process.
In France, gains from selling cryptocurrency for euros are taxable. As of the 2026 filing season, individual crypto capital gains are taxed at the 31.4% PFU rate. Accurate transaction records are needed to calculate and declare the result correctly.
Yes. Crypto transactions can become visible through bank records, public blockchain data, exchange records, and platform reporting. From 2026, DAC8 requires crypto platforms serving EU customers to report certain identity and transaction information to tax authorities.
If you forgot to include cryptocurrency income or gains in a previous French tax return, you can correct your declaration online through impots.gouv.fr during the correction period. After that period, you can still submit a claim through your personal tax account or contact your local public finance centre.
Yes. Divly supports Formulaire 2042, Formulaire 2086, and Formulaire 3916-bis for French crypto tax reporting.
No. Divly is designed for users who want a guided import-to-report flow. French users can import transactions, review the results, and generate the documents they need without manually building spreadsheets.
No. Expert review is optional. You can use Divly as a self-serve tax tool, and choose expert review only if you want extra reassurance before filing.
Import your transactions, review the result, and generate the documents you need for your French declaration. You can start for free and see your results before paying.
