AI Prompt to Check Crypto Portfolio Risk and Custody Exposure

What you need

You need an itemized list of your digital asset holdings, cash reserves, and traditional investments ready to paste. State current market values in a single currency, specifying the name of each digital token and where the assets are custodied.

For every crypto position, specify whether the tokens sit on a centralized exchange, in an institutional custodial account, or in a self-custody hardware wallet. Note whether stablecoin holdings represent fiat-backed tokens or decentralized algorithmic designs, because different token architectures carry distinct counterparty failure modes. Record any locked tokens in staking contracts or decentralized liquidity pools where withdrawal lockup periods restrict your ability to exit positions quickly during high market volatility.

Use the snapshot block below to organize your assets and debts. Enter your balances and custody notes, copy the block, and paste it into your AI session alongside the prompt text below.

Here is my financial snapshot. Use only these numbers.

Currency: [e.g. EUR]
Date: [today's date]
Age: [optional]

ASSETS
[name] — [category: cash / stocks / ETFs / crypto / property / metals / other] — [value]
[name] — [category] — [value]
...

LIABILITIES
[name] — [type: mortgage / car loan / credit card / student loan / other] — [outstanding balance] — [interest rate if known]
...

CONTEXT (optional but improves the answer)
Monthly income after tax: [amount]
Monthly spending: [amount]
Amount I add to savings or investments each month: [amount]
Value of the same assets 12 months ago: [amount]

The prompt

Copy this exact text and paste it into ChatGPT, Claude or Gemini directly beneath your snapshot block.

You are a financial educator specializing in risk. My crypto holdings appear in the
snapshot above.

1. State what share of my net worth sits in crypto.
2. Describe the risks specific to these holdings: volatility, custody, regulation,
   protocol and counterparty. Handle each one separately and say which apply to
   which of my holdings.
3. Explain the difference between holding on an exchange and holding in a wallet I
   control, and what each one exposes me to.
4. Describe how people size a crypto position relative to the rest of their money,
   and what questions determine the right size for a given person.
5. List what I should verify about each holding, as a checklist.

No price predictions. No buy or sell recommendations. Ask if something is unclear.

What good output looks like

The output should begin with your crypto concentration percentage, dividing total digital asset value by your calculated net worth. If crypto represents twenty-two percent of your wealth, the model states that exposure plainly and frames the conversation around downside loss capacity.

Next, the model reviews five distinct risk categories holding by holding. For price volatility, it illustrates the impact of historical sixty-to-eighty percent market drawdowns. For custody risk, it evaluates where your private keys reside. For regulatory risk, it details potential tax reporting changes or exchange access restrictions in major jurisdictions. For protocol risk, it examines smart contract attack surfaces and network consensus changes. For counterparty risk, it evaluates the solvency dangers of centralized exchange custodians.

The storage comparison clearly distinguishes custodial exchange accounts from self-custodied hardware wallets. It explains that centralized exchanges expose you to insolvency and account freezes, whereas self-custody shifts responsibility entirely to you, exposing you to seed phrase theft or operational loss.

The position sizing section outlines common allocation patterns, contrasting conservative allocations of one to two percent against aggressive holdings above ten percent. It provides diagnostic questions regarding whether an eighty percent drawdown would delay your life plans.

The response concludes with a verifiable due diligence checklist covering multi-signature backup security, smart contract audit records, and liquidity depth.

What this can't tell you

This prompt cannot predict token market cycles, future adoption rates, or regulatory enforcement actions by sovereign financial authorities. It cannot audit smart contract code to verify whether a specific protocol contains undiscovered software bugs or exploit vectors.

The model does not know the private financial condition or reserve auditing quality of centralized exchanges where you hold balances. It has no insight into your local tax rules regarding crypto-to-crypto trades, decentralized staking rewards, or digital asset wealth taxes. It cannot verify whether third-party bridge protocols connecting different blockchains maintain verifiable collateral reserves. Language models occasionally confuse similar token tickers or governance forks, so verify protocol specifics independently. The analysis delivers an educational risk framework rather than investment advice.

Doing this without the retyping

Auditing crypto allocations with standalone AI tools requires compiling token balances, looking up prices, and re-entering custody details whenever market prices swing. In Sumio, this crypto risk review is one of sixty-two prompts built directly into the app. It analyzes your exposure with one tap against the crypto holdings you already track with live market quotes. Your financial records stay stored on your device, with no account required and no ads.