How fy_nance values your inventory

1. Read the item, exactly

Valuation starts with identity. A skin is its market hash name plus its float, its pattern seed, and any applied stickers. fy_nance keys off the exact name, so a Field-Tested at 0.16 float and a Field-Tested at 0.37 are never averaged into one mushy price. Float tier, Doppler phase, blue-gem tier, and fade percent are detected and carried through, because on the pieces that matter they are most of the value.

2. Price it across every venue, fees baked in

The cross-market oracle queries Steam, Skinport, DMarket, CSFloat, and Buff in parallel and normalizes each answer to one quote: the lowest live ask, and the net you would actually receive after that venue's seller fee. Steam takes about 13 percent off the seller, Skinport 12, DMarket 5, CSFloat 2. The quote is live, cached for sixty seconds, and when a venue is dark the row says so rather than inventing a number.

3. Take the three cuts honestly

Paper value is the lowest ask times quantity. Realizable value is what survives three sequential cuts: the marketplace fee on your chosen exit venue, a liquidity discount that reflects how far under mid you must price to clear in days rather than months, and a float repricing adjustment when the specific float or phase trades on its own curve away from the exterior-name comp. Across a normal book the blended result lands around 78 percent of paper, and every cut is itemized per lot so you can argue with it.

4. Keep the books, not just the price

Underneath the appraisal is a real tax-lot engine: fee-adjusted cost basis, FIFO and specific-ID matching, multi-currency conversion at the trade date, and IRS Form 8949 and Schedule D output. Trade-ups, case opens, and sticker applications roll basis correctly under Pub 551. The valuation and the tax books read from the same ledger, so the number on the portfolio screen and the number on the tax form can never drift.

That is the whole method: read exactly, price live, cut honestly, book it all. The companion piece on why your tracker overcounts makes the case for why the realizable number is the only one worth trusting.