Skip to content
fy_nance

// the books for your skin wealth

Finance, for skins.

The legit way to know what your CS2 inventory is really worth, net of every fee and the cash-out haircut. Audited method, real Form 8949, no house.

Paper
$48,210
Realizable today
$48,210

Launching 2026-07-12 · founder pricing ends at launch

FY-NANCE // INV-STATEMENT // 412 ITEMS⚠ PAPER ≠ CASH
Paper value
$52,140
Realizable today
$52,140
GAP // fees + haircut + liquidity−$13,220
Buff163 · after CN friction$40,110
Skinport · net 12% fee$38,920
CS.Money · instant sell$34,505
0transactions booked
0marketplaces live
$0realizable, demo whale
Cross-market marksLIVE
AWP | Dragon Lore$7,650 4.2%
M4A4 | Howl$5,420 2.1%
AK-47 | Wild Lotus$5,210 8.7%
Sport Gloves | Pandora$6,140 3.4%
★ Karambit | Doppler$1,840 1.3%
★ Butterfly | Fade$2,760 0.6%
M4A1-S | Printstream$230 2.2%
Glock-18 | Fade$640 1.1%
AWP | Dragon Lore$7,650 4.2%
M4A4 | Howl$5,420 2.1%
AK-47 | Wild Lotus$5,210 8.7%
Sport Gloves | Pandora$6,140 3.4%
★ Karambit | Doppler$1,840 1.3%
★ Butterfly | Fade$2,760 0.6%
M4A1-S | Printstream$230 2.2%
Glock-18 | Fade$640 1.1%
01/The problem

Skins became real money. The tooling stayed a hobby.

Three things broke at once: the market proved it can crash, the cash-out gap got expensive, and the tax man started caring. None of the free trackers address any of it.

October 2025 wiped out $2B+ overnight

Valve shipped one trade-up change and the market halved in hours. A $14K Karambit Doppler Ruby printed $6K the next day. Nobody's tracker warned them, because trackers report prices, not exposure. You cannot manage a crash you cannot see coming.

Oct 2025 market crash

Paper value is a screenshot, not money

Your tracker says $48,000. Cash it out and the haircut is 20 to 30 percent: Steam fees, third-party spreads, liquidity discounts on anything rare. The real number is the one after all of that, and today nothing computes it for you.

20-30% realized cash-out spread

Tax season is CSVs, PDFs, and screenshots

Sell skins for real money and the records are on you: cost basis per item, per lot, across venues, in multiple currencies. Crypto got Koinly. Skins got a spreadsheet at 2am in April. That gap is the product.

r/csgomarketforum, every spring

02/The whole pitch

Paper $48,210. Realizable $36,455.

Most trackers stop at the paper number. fy_nance shows the cuts every cash-out actually pays: the marketplace fee, the third-party haircut, and the liquidity discount on anything thin. The number on the right is the one your bank account would see.

$48,210 −$3,400 fee −$6,200 haircut −$2,155 liquidity = $36,455
Audited method
paper → net of fee, haircut & liquidity
$48,210PAPER-$3,400MARKETPLACE FEES-$6,200CASH-OUT HAIRCUT-$2,155LIQUIDITY DISCOUNT$36,455REALIZABLE
Market terminal · live

The realizable number, tracked like a position.

Paper value is the dotted line nobody can cash. The orange line is what your book would actually clear, marked daily across every venue, October crash and all.

Realizable net worth · demo book
$38,920
LIVE
Realizable PaperIllustrative · demo book
03/Try it

What's the gap on your inventory?

Drag your paper value. This is the modeled cash-out gap, the fee, the haircut, and the liquidity discount most trackers never show you.

Paper value$50,000
$1k$200k
Realizable
$38,625
The gap
$11,375
Gap
22.8%
Realizable$38,625
Fees$3,500
Haircut$5,500
Liquidity$2,375

Modeled estimate. Your real number depends on the exact items, floats, and venues.

Get your real number →
04 / Featured holdings

Real pieces. Real numbers.

A few of the holdings the demo book carries. Every figure on the right is the realizable mark, after the fee, the haircut, and the liquidity discount, not the sticker price your tracker shows.

AWP | Dragon Lore, Field-Tested
AWP | Dragon LoreField-Tested

Covert · one of the famous ones

Paper
$7,650
Realizable
$5,820
FLOAT0.2057
AK-47 | Wild Lotus, Field-Tested
AK-47 | Wild LotusField-Tested

Thin order book, real liquidity discount

Paper
$5,210
Realizable
$3,990
FLOAT0.1604
★ Karambit | Doppler, Factory New
★ Karambit | DopplerFactory New

Phase pattern moves the price

Paper
$1,840
Realizable
$1,460
FLOAT0.0119
05/Everything in one bench

The tools a serious holder runs by hand, in one place

Eight surfaces, one set of honest books. Every dollar figure is a live cross-market price, and every number shows its work.

T-01

Cross-market price oracle

Steam, Skinport, DMarket, CSFloat, and Buff in one read, fees baked in. The cheapest ask and the best net sale, live.

T-02

Float + pattern flagger

Premium and discount float tiers, Doppler phases, blue gems, fades. Every notable piece flags itself on sight.

T-03

Arbitrage finder

Your holdings ranked by the live spread between the cheapest ask and the best net sale, after fees and the Steam hold.

T-04

Trade-up calculator

Ten inputs in, the exact CS2 odds out: full probability table, expected value, and ROI on live prices.

T-05

Case opening EV

Published drop rates against live content prices. The expected value of an open, and the honest odds you profit.

T-06

Sticker craft ROI

Base plus up to four stickers at any scrape. Cost, estimated combo value, and the money combos that actually clear.

T-07

Tax engine, Form 8949

Lot-level cost basis, FIFO and specific-ID, fee-adjusted and multi-currency. Export the IRS form instead of building it.

T-08

Discord webhook

Push brag cards and sell signals to your channel: skin render, float, cross-market spread, fy_nance watermark.

06/Early signup rewards

The earlier you are, the better your books get

Every tier locks its discount for life, against any plan, on the day we launch. Spots are claimed in signup order and never reopen.

First 100

0 / 100 spots claimed

Founder's Circle

Lifetime 50% off

  • Founder badge
  • 1:1 onboarding session with me
  • Early product feedback channel
First 500

0 / 500 spots claimed

Early Pioneers

Lifetime 33% off

  • Pioneer badge
  • Priority support
  • Early Access channel
First 1000

0 / 1000 spots claimed

Charter Members

Lifetime 25% off

  • Charter Member badge
  • Beta cohort
07/Why fy_nance, not a gambling site

The skin casinos are getting squeezed. I built the opposite.

The gray-zone money is leaving as regulators close in. What is left is holders who still need to know what their inventory is worth and still owe taxes. That is the lane I want.

A skin gambling site

  • Random outcomes and a house edge. The site only wins if you lose.
  • KYC theater stapled onto a gray-zone license.
  • Your skins sit in custody on their servers (ask Stake about the $41M Lazarus hack).
  • Regulators closing in: California AB 831, New York SB-5935A, a multi-state AG push.

fy_nance

  • Deterministic valuation. No randomness, no house, no game.
  • An audited haircut method that shows its work on every number.
  • A real IRS Form 8949 on the way out, not a screenshot.
  • US Delaware C-corp. I never take custody of your skins.
Read the compliance stance →
Audited method
paper → net of fee, haircut & liquidity
08/Pricing

Free to watch. Paid when it replaces your spreadsheet.

The free tier is a real product, not a demo. The paid tiers exist for the day your inventory stops being a hobby.

Free

$0 free forever

See your inventory the way I see mine. No card, no catch.

Join waitlist

Pro

$10 /mo

The spreadsheet replacement. Real books for a real inventory.

Whale

Most popular

$30 /mo

For the holders moving real size. The full instrument panel.

Founder Lifetime

0 / 100 spots claimed

$250 one time, first 100 only

Lifetime Whale. When the first hundred are gone, so is this offer.

Built with the high-value holders who beta the books: a private group managing $2M+ in combined inventory, across the venues that actually decide your number.

Reconciles cost basis across
  • Steam
  • Buff163
  • Skinport
  • CS.Money
  • DMarket
  • CSFloat
  • PRIVATE TRADE DISCORDS
  • R/CSGOMARKETFORUM REGULARS
  • HIGH-TIER PATTERN COLLECTORS
  • CASH-OUT VETERANS
09/FAQ

Fair questions, straight answers

The waitlist

Lock your founder spot before the countdown ends

An email, nothing else. Your tier and discount are claimed in signup order and locked for life. When we launch, the offer is gone.

No spam. One launch email, one early-access email, that is it.