The app is pre-configured with basic accounts like Personal, Business, Spouse, Savings, Lender, Debt, and Assets to help you get started. The Combined view integrates all these accounts, combining their cash flows with or without debts and assets, depending on whether net-worth tracking is enabled. In the settings, you can modify (rename), delete, or add any of these accounts.

You can use Asset accounts to track various assets such as Funds, Investments, Property, Vehicles, Cryptocurrency, etc. Generally, a Property would be one asset account as it usually has a lien so would be the case with a car as a separate asset account. Asset accounts can have only one or more assets in them, if they have a lien it's just a single asset. Crypto, would be like a wallet asset account with different cryptos in it and so would it be with investment account. 

For each asset in the asset account, you specify an asset type as needed: i.e. your default currency or you can choose from different currencies and crypto options, after which you will be presented with the current exchange rate, which you can manually adjust.For instance if you select a fiat currency-based assets (e.g., Funds or Property valued in USD with 1.0 exchange rate, since USD is your base currency), the next option is "Appr'n/APY," allowing you to set the appreciation/depreciation rate or the growth/interest rate for each individual asset.

After setting the appreciation/growth rate, you choose the start date for the asset's value and define the Compound Frequency (monthly by default). Since the "Appr'n/APY" is calculated annually, the compound frequency will pro-rate the forecasted growth rate at the defined intervals.

For cryptocurrency, there's an additional feature: When selecting a crypto asset type, including stable-coins like USDT, you can specify individual volatility and growth rates (also annual). This feature, pre-configured with historical estimates, allows for a more nuanced projection of these volatile assets, which we internally termed "controlled randomness." This functionality lets you mimic a more volatile investment asset, like a stocks or stock portfolio, by utilizing USDT as the reporting currency instead of USD and adjusting the volatility and growth rate accordingly.