"Draft my 2025 Schedule 3." "Reconcile my 14 clients by Thursday." Ledgera is the Canadian chat-first crypto tax workspace, built for individuals filing themselves, for accountants handling crypto clients, and for firms running it across their whole book. Canadian-hosted, CRA-compliant ACB.
Tax season without the dread AI-classified transactions Private by design
LEDGERA · APRIL 18, 2026
Good morning, Alex. What would you like to do?
$949,033
PORTFOLIO
$223,300
REALIZED YTD
12,603
TRANSACTIONS
5
THINGS TO REVIEW
Features
Built for Canadian crypto tax. Nothing else.
Six things we do deliberately, because the gap between "crypto tracker with a Canadian toggle" and "a report any Canadian accountant will sign off on" is enormous — whether you're filing your own return or running it across a hundred clients.
01
CRA ACB + superficial loss
Automatic Adjusted Cost Base with superficial loss proration baked into every disposition. No spreadsheets.
ITA 54 · S3-F8-C1
02
Direct blockchain indexing
We read the chain. No API keys, no missed transactions, no manual exports for on-chain activity.
Growing coverage · every major chain
03
AI-powered classification
Trades, staking, airdrops, DeFi swaps, all classified automatically with a confidence score you can override.
94.2% avg. confidence
04
Post-quantum encryption
AES-256 at rest, Kyber-768 key exchange in transit. Built to withstand what's coming, not just what's here.
ML-KEM-768 · FIPS 203
05
Zero-knowledge architecture
Compute runs in your browser. Passkey-derived keys. Ledgera cannot decrypt your data, by design.
WebCrypto · WebAuthn
06
CARF 2026 ready
Crypto-Asset Reporting Framework filings, T1135 check, Schedule 3, and an accountant-ready PDF package.
OECD CARF · CRA T1135
Who it's for
One tool. Three ways to use it.
Ledgera meets you where you are, whether you're filing your own return, collaborating with a Canadian accountant, or running crypto tax for a whole client book.
01 · Individual
File it yourself. Confidently.
DIY self-filers who want accurate crypto numbers in their return, and are comfortable reviewing Ledgera's output before it goes to the CRA.
Drop-in Schedule 3 + T1135 check, paste into any NETFILE software
Flagged items you should eyeball: superficial losses, high-confidence classifications to double-check
Plain-English audit trail so you know what was counted and why
02 · Individual + accountant
Bring clean numbers to your CPA.
Individuals and owner-operators who already work with a Canadian accountant. Ledgera does the crypto work so your accountant doesn't have to learn DeFi.
Accountant-ready PDF package with ITA citations on every line
Time-boxed read-only seat for your accountant, free
Edge-case flags (partial-year dispositions, deemed dispositions, business vs. capital) they can review
03 · Accounting firms
Standardize crypto across your book.
CPA firms with 10+ clients holding crypto. One workspace, consistent ACB methodology across every file, firm-level audit trail.
Multi-client workspace with firm-wide reconciliation queue
White-label PDF output and CSV export for your file system
Per-client read-only client portal: they upload wallets, you review
Coverage
Every major chain. Every exchange. Growing every month.
We read the blockchain directly for on-chain transactions, with coverage expanding continuously as new chains come into scope. For centralized exchanges without APIs, export your history and drop it in. Any format — we normalize and classify it automatically.
Ask for your 2025 Schedule 3, your biggest unrealized losses, or a CRA-ready audit bundle. Ledgera produces the artifact, with the transactions, the ACB math, and the ITA citations attached.
Conversation›Draft my 2025 Schedule 3›Schedule 3 · draft
Canada Revenue Agency · Agence du revenu du Canada
Global tools treat Canada as an export format. Canadian tools treat DeFi as someone else's problem.
The big global platforms added a "Canada" toggle and called it done. The homegrown ones stop at centralized exchanges. Ledgera is the only tool built Canada-first and chain-native.
Direct on-chain indexing (no manual exports)✓ nativepartial·
DeFi, staking, NFT classification✓ nativepartial
Canadian exchanges supported natively✓ nativepartial
Client-side encrypted compute✓ native··
Canadian data residency✓ yes·varies
1Class includes Koinly, CoinLedger, CoinTracker, CryptoTaxCalculator — each documents native CRA ACB support, superficial-loss handling, and Schedule 3 export in their own help centers. None publish Canadian data residency.
2Canadian-first tools and the Wealthsimple Tax / H&R Block crypto paths cover ACB and Schedule 3 but rely on exchange CSV uploads; T1135 and on-chain DeFi must be reconciled manually.
Sources: vendor help centers & CRA guidance, verified 2026‑04‑18. "Client-side encrypted compute" refers to ciphertext-only server architecture; we're not aware of another consumer tax product in this category making the same claim.
Pricing
One predictable price. Per use case.
No transaction tiers. No wallet caps. No chain add-ons. Pick the plan that matches how you work, not how active your wallets are.
Founder pricing · 2026
Personal
For individuals filing their own crypto taxes
CAD $199intro
CAD$149/year
Locks for your first two tax years. List price returns to $199/yr after launch.
One taxpayer or household filing unit
Unlimited wallets, exchanges, and supported chains
Unlimited transactions. No tiers, ever.
CRA-ready Schedule 3, T1135 check, full filing package
AI classification with manual override and audit trail
Accountant handoff and CSV/PDF export
Canadian-hosted, post-quantum encrypted
No payment now. 30-day refund after activation.
Business
For companies that work with an outside accountant
CAD $249founder · 20% off
CAD$199/month
Billed $2,388/yr. Locks for 12 months from activation. One legal entity.
1 legal entity · up to 3 internal users
1 external accountant seat included
Unlimited wallets, exchanges, and supported chains
Year-round ledger, audit trail, and reporting workspace
Monthly close support and accountant handoff package
Priority support
Founder pricing locked at activation. White-glove onboarding included.
For firms
For accounting and advisory practices
CAD $3,500founder · 15% off
FromCAD$2,975/year
Annual client bundles, locked for your first 12 months. Pricing scales with active client workspaces, not transaction counts.
Multi-client workspace dashboard
Bundled staff seats. No per-user surcharges
Standard intake, review, and report delivery workflow
Unlimited wallets, exchanges, and chains per client
Priority onboarding from Growth tier
White-glove rollout and custom terms at Scale
No transaction limits. No per-wallet fees. Bring as many client histories as you need.
Annual client bundles · founder pricing
Priced by active client workspaces, not by transactions.
Each workspace is a full Ledgera account for one of your clients, with the entire CRA-ready toolkit built in. Staff seats are bundled. Wallets, exchanges, and chains are unlimited per client. Founder rates lock for your first 12 months on Starter and Growth.
Starter
CAD $3,500CAD$2,975/yr
3 firm users
10 active client workspaces
Standard onboarding
Extra workspace: $298/yr
Effective ~$298 per client / yr · founder
Most firms
Growth
CAD $10,000CAD$8,500/yr
10 firm users
35 active client workspaces
Priority onboarding and support
Extra workspace: $243/yr
Effective ~$243 per client / yr · founder
Scale
From$18,000/year
25+ firm users
100+ active client workspaces
White-glove rollout and custom terms
Optional API and SSO integrations
Custom unit economics. Founder-tier volume discounts.
30-min onboarding call. No contract required for the first 30 days.
PersonalBusinessFor firms
Use case1 individual or household1 legal entityMulti-client practice
Users included13 + 1 accountant3 to 25+
Client workspaces——10 to 100+
Transaction limitUnlimitedUnlimitedUnlimited per client
Wallet / chain capsNoneNoneNone
CRA-ready Schedule 3 + T1135
Year-round ledger workspace—
Multi-client dashboard——
All prices in CAD and exclude applicable GST/HST. Personal is intended for one individual or household; it is not licensed for use by corporations, accounting firms, or any subscriber preparing crypto records for third parties. Business covers one legal entity. Firm plans are licensed by active client workspace.
Privacy
Your data never leaves Canada. Neither do your keys.
Most crypto tax tools are US-hosted and tracked across the ad web. We built one where the server can't read your transactions and Canadian privacy law applies by default.
01
Our server can't read your data
Your transactions are unlocked and totalled inside your browser. What we store is locked, not viewable by us, our staff, or anyone we hand a hard drive to.
Client-side decrypt + AES-256-GCM at rest
02
Sign in with Touch ID, Face ID, or a security key
No password to phish, no recovery email to compromise. Your device proves it's you, and the same proof unlocks your data. Lose your device? Built-in recovery gets you back in.
WebAuthn / passkey-derived encryption
03
Stored in Canada, governed by Canadian law
Your encrypted backups live on Canadian infrastructure. They never sit on US or UK servers, so foreign subpoenas don't reach them.
Canadian-only data residency
04
Safe against tomorrow's computers
Encrypted records harvested today can't be cracked by a future quantum computer, your 2026 return won't quietly decrypt itself in 2035.
ML-KEM-768 (Kyber) post-quantum key exchange
05
No tracking pixels, no ad networks
We don't load Meta, Google, Mixpanel, or any third-party analytics. Visiting our site doesn't tell anyone you own crypto.
First-party telemetry only, hosted in Canada
Request path
Your browser
Where decryption and totals happen
CA
In transit
Quantum-safe encryption
unreadable
Our servers (Canada)
Stored locked, never decrypted here
CA
Industry-standard cryptography, audited primitivesSOC 2 Type II · in progress
Compliance
Regulated for here, not for there.
Every line of output is traceable to a specific CRA guidance document. Every byte of storage falls under Canadian privacy law.
ITA
Income Tax Act
ACB s.54, superficial loss s.40(2)(g)(i), deemed disposition on emigration.
CARF
CARF 2026
Automatic Crypto-Asset Reporting Framework exports. First filing year: 2026.
T1135
T1135 check
Foreign property reporting review with CAD conversion at year-end.
CARP
Bill C-27
Canadian privacy compliance for the incoming AIDA / CPPA framework.
SOC2
SOC 2 Type II
Audit in progress with a Canadian Big-Four partner. Target: Q3 2026.
PIPEDA
PIPEDA
Privacy Act compliant; DPO registered with the Office of the Privacy Commissioner.
PIPA
PIPA (AB/BC)
Provincial privacy compliance for Alberta and British Columbia users.
CRA
NETFILE-ready
Capital gains and income output in CRA-accepted formats, plus CSV export for portability.
About
We got tired of fighting with existing crypto tax software to prepare returns every April. So we built the tool we wished we had, and we built it in Canada, for Canadians.
AL
Aaron Luhning
Co-founder · Developer
CD
Candy Davis
Co-founder · Canada's leading crypto tax expert
Headquarters
Spruce Grove, AB. Incorporated provincially. 98 Wellington Cres, Spruce Grove, AB T7X 1J8, Canada
Founders
Two.A developer and Canada's leading crypto tax expert. We file our own returns with it.
Funding
Bootstrapped. No VC, no data-for-free deals, no ad model. Ever.
Infrastructure
Hosted with DigitalOcean Toronto. Zero US or UK cloud.
