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Looking for French specific info? Read the French-specific comparisons here: France
As the European crypto market matures, investors are moving away from "one-size-fits-all" global platforms and demanding specialized tools that understand their local tax laws. In this new arena, two names stand out: Divly and Waltio.
Both are powerful, European-built platforms designed to handle complex local regulations. However, they are built with fundamentally different strategic goals.
This comparison will break down the crucial differences in coverage, support, and scalability to help you choose the right tool.
| Feature | Divly | Waltio |
|---|---|---|
| Primary focus | Localized Tax Expertise (especially in Europe) | Wider crypto portfolio optimization |
| Geographic Coverage | The European Leader (85% Market): | Cover only 3 Countries. |
| User Experience | Simple & Guided: | Feature-Rich |
| Official Tax Forms | ✅ Yes, generates country-specific tax forms | ✅ Yes, generates country-specific tax forms |
| Customer Support | Human Local Experts. | Chat interactive |
| Pricing Model | Simple | Simple |
| Number of Integrations | 200+ (curated for quality and local relevance) | 190+ |
| Best For | European Investors who value simplicity, accuracy and local support. | Active traders who need optimization features. |
What is Divly?
Divly was built with a simple mission: to make crypto taxes simple. The platform believes users shouldn't need to be tax experts to file their declarations correctly. Divly offers a streamlined, guided experience designed to produce an accurate tax report in as few steps as possible.
Divly covers 85% of the European market, where they provides deep, country-specific tax engines that deliver accuracy and peace of mind for all their users (see Divlys coverage here).
What is Waltio?
Waltio is a powerful and crypto tax tool founded in France. It has earned a strong reputation for its deep expertise in French tax law.
Waltio's platform is an, feature-rich tool for its core users. It is designed from the ground up to perfectly handle the complexities of the French tax system. It has since expanded its expertise to also support Belgium and Spain.
European Coverage: 85% Market vs. 3 Countries
Divly is the European leader. Divly's "depth first" approach has been scaled across the continent. This means an investor in France gets the same high-quality, specialized report for their 2086, as Germany for their Anlage SO as a user in Sweden does for their K4. Divly is the only platform that offers this level of specialized service to the entire European market. Read all the Divlys guides here.
Waltio is a regional company and only supports France, Belgium, and Spain. They explicitly state they do not support Germany, the UK, Luxembourg, or any other country. This only makes Waltio a choice for a French investor, but not an option for anyone outside of these three countries, such as an investor in Berlin, Amsterdam, or Copenhagen.
User Experience: Universally Simple vs. Locally Focused
Divly's approach is guided by simplicity. The user interface is clean, modern, and universally easy to understand, regardless of your country. The goal is to get you from transaction import to your finished tax report in as few steps as possible, removing complexity from an already complex process.
Waltio's approach is powerful but "hands-on." A significant part of Waltio's user guides and marketing focuses on their tools for manually finding and fixing transaction errors. This means a more complex, less-simple process that requires the user to do more manual work.
Support: Trained Local Experts vs. Regional
Divly's support is local. The support team is composed of trained, native-speaking experts from across the continent. A French user gets support in French, A German user gets support in German, a Swedish user gets support in Swedish, and This ensures clear, actionable advice that understands your local tax authority.
Waltio's support is regional. As their focus is on France, Belgium, and Spain, their support is concentrated on those languages and tax systems. If you are an English-speaking user in a non-supported country, you will not find the same level of specialized, local-language help.
Platform Scalability: Keeps Up vs Stays Behind
Divly is the only platform built for a modern, mobile Europe. You can file your taxes in France one year, move to Germany for a new job the next, and file your German taxes using the same Divly account. Your data, your history, and your platform move with you. It is a single, "invest-once" solution that provides total freedom and scalability.
Waltio is a "dead-end" platform. It works only for France, Belgium, and Spain. If that same French user moves to Berlin, Amsterdam, or Stockholm, their Waltio account becomes instantly useless for tax reporting. They are forced to export all their data, find a new provider, and start over from scratch. This is a massive risk and a critical flaw for any European citizen.
The Verdict: Divly is the Choice for Crypto Taxes in Europe.
Waltio is a powerful, and useful tool. If you are an investor who lives in France or Belgium and you are 100% certain you will never need to file taxes in another country, it is a strong and reliable choice.
However, for the vast majority of crypto investors in Europe, Divly is the clear winner. Divly offers a fully compliant and user-friendly solution that also gives you the freedom and scalability to move or invest across Europe without being locked into a single country's tax system.
If you are looking for a Waltio alternative that offers a simple user experience, a fair pricing model, and a future-proof platform that covers all of Europe, Divly is the modern, comprehensive choice.
Switching from Waltio to Divly is Easy
Ready to move to a more modern, reliable, and cost-effective platform? Users can easily export their transaction data from Waltio via CSV and import it directly into Divly. The system is designed to make the transition as smooth as possible.
FAQ (Frequently Asked Questions)
Can I use both Divly and Waltio?
Yes, though there's no practical reason to pay for both. Some users trial both platforms to compare reports before committing.
Does Divly support countries outside Europe?
Yes, while Divly's focus is Europe (where it covers 85% of the market), check the supported countries page.
Is my data safe with Divly?
Yes. Divly uses bank-level encryption and never sells your data. Your transaction information is processed locally and securely.
How long does it take to generate a tax report?
Once your transactions are imported, Divly typically generates reports in seconds, depending on transaction volume.
Can Divly help with previous tax years?
Yes. Divly offers prior year reports at no additional cost, making it easy to catch up on unfiled years.
What if I need to correct an error?
Both platforms allow you to edit transactions and regenerate reports. Divly's support can guide you through corrections specific to your country's requirements and in your language (european).
