Kubera scores 5 points above Delta, led by data monetization truth and tier truth and continuity. Kubera ranks #2 and Delta #4 of 7 published portfolio tracking. Every term of the gap is on the ledger below; the inputs are on the audit receipt.
KUKubera72
vs
Delta67
Scores are out of 100; published scores fall within 41–99 · ranks #2 and #4 of 7
Kubera scores 5 points above Delta, led by data monetization truth and tier truth and continuity.
KUKubera #2 of 772
Delta #4 of 767
Scores are out of 100; published scores fall within 41–99; a bar is empty at 41 and full at 99.
Why, term by termKubera leads on 2 of 4 published criteria; Delta on 2. The terms sum to the gap.
TermKuberaDeltaWeightPoints
API key blast radius6/108/107.2−3.7for Delta−1.9 of 32
Data monetization truth9/104/106+7.8for Kubera+4.0 of 32
Sync fidelity and gap honesty7/108/106−1.6for Delta−0.8 of 32
Tier truth and continuity9/107/104.8+2.5for Kubera+1.3 of 32
Net of the terms+5.0
Criteria roundingThe criteria block is rounded to whole points before it is spread−0.1
Reproduced gap+4.9
Published gapAfter score rounding and bounds — see the note below7267+5.0
Weight is in points of the 86-point weighted total. Points are score points of the gap between the two.
Kubera's lead rests on lighter criteria: Delta is ahead on API key blast radius, which carries more weight (30) than any criterion Kubera leads on (25).
KuberaScore 72Paid-only ($250/yr) net-worth balance sheet that tracks CEX accounts via read-only API keys and wallets by public address — the subscription is the entire revenue story.Strength: Data monetization truth — 9/10Watch-out: You pay $250/year and broken connections are still partly your problem: Kubera's own help center says connections 'may occasionally break, or show wrong balances' and 'might not always be resolvable', with manual-entry tracking as the documented fallback — and your exchange API keys sit on Kubera's servers with read-only merely instructed at setup, not enforced at connect time.DeltaScore 67eToro-owned multi-asset tracker whose exchange API keys stay on the buyer's device — never on Delta's servers — with the honest trade-off that the synced trades themselves live under the broker parent's group privacy policy.Strength: Api key blast radius — 8/10Watch-out: The free tier is effectively a demo for this buyer: two total connections and ten tracked assets means anyone with a couple of exchanges plus a wallet pays $6.99/mo almost immediately — and while your API keys stay on your phone, your synced trades and balances sit on eToro-group servers under the broker parent's group privacy policy, which grants eToro broad rights to market to you and to share pseudonymised details with ad platforms.
Quick facts
At a glance
2 of 3 rows read the same for both.
FactKuberaDelta
Entry planSnapshotHomepage pricing cards (https://www.kubera.com/, fetched 29 September 2026): Essentials — "Everything except what's listed under Black" — "$250 /year"; Black — "For complex multi-entity wealth." (adds "Ownership tags", "Nested Portfolios", "Guided Onboarding", "VIP Support") — "$2500 /year"; "Try for 14 days" — "Try it fully loaded. Choose the subscription plan after the trial."; "Book a 30-minute demo for $250, credited when you join Black". Headline on the same page: "$250 a year, not 1% of your wealth." No free plan exists. Kubera White Label is no longer priced on the homepage; its own page (https://www.kubera.com/white-label, fetched 29 September 2026) states "$300 a month". https://www.kubera.com/pricing still returns HTTP 404 — pricing is served on the homepage.Pricing page (https://delta.app/en/pro, fetched 29 September 2026 through a headless-browser render — plain requests get a Cloudflare 403): Basic "Free" — Tracked Assets 10. Monthly tab: "PRO $6.99 /month*", "PRO+ $13.99 /month*"; yearly tab: "$53.88/year*" (PRO) and "$107.88/year*" (PRO+); lifetime: "Lifetime PRO+ $299". Tracked Assets 10 / 40 / Unlimited ("With PRO you can track up to 40 assets in a single portfolio."); PRO+ includes "etoro Platinum**". Footnotes: "* Prices may vary depending on your location." and "** Availability depends on region." The free connection cap is stated only in the help centre (https://support.delta.app/en/articles/1587346-how-to-connect-an-exchange-account-to-delta): "Every user can connect up to two different exchange accounts for free, while Delta PRO subscribers unlock the ability to connect an unlimited number of exchanges."
Asset coverageEditorial——
Region fitSnapshotglobalglobal
From the published criteria
Which should you pick?
KU
Kubera
72#2 of 7
Leads
Pick it when
Pick Kubera if data monetization truth matters most — it scores 9/10 to Delta's 4/10 there (weight 25).
Strength
Data monetization truth — 9/10
Tradeoff
You pay $250/year and broken connections are still partly your problem: Kubera's own help center says connections 'may occasionally break, or show wrong balances' and 'might not always be resolvable', with manual-entry tracking as the documented fallback — and your exchange API keys sit on Kubera's servers with read-only merely instructed at setup, not enforced at connect time.
Delta
67#4 of 7
Pick it when
Pick Delta if API key blast radius matters most — it scores 8/10 to Kubera's 6/10 there (weight 30).
Strength
Api key blast radius — 8/10
Tradeoff
The free tier is effectively a demo for this buyer: two total connections and ten tracked assets means anyone with a couple of exchanges plus a wallet pays $6.99/mo almost immediately — and while your API keys stay on your phone, your synced trades and balances sit on eToro-group servers under the broker parent's group privacy policy, which grants eToro broad rights to market to you and to share pseudonymised details with ad platforms.
Self-identify in 10 seconds
Which one is actually for you?
KUKuberaLeads
Choose Kubera if data monetization truth matters most
Data monetization truth: 9/10 against 4/10 for Delta (weight 25)
Tier truth and continuity: 9/10 against 7/10 for Delta (weight 20)
KuberaScore 72Paid-only ($250/yr) net-worth balance sheet that tracks CEX accounts via read-only API keys and wallets by public address — the subscription is the entire revenue story.Strength: Data monetization truth — 9/10Watch-out: You pay $250/year and broken connections are still partly your problem: Kubera's own help center says connections 'may occasionally break, or show wrong balances' and 'might not always be resolvable', with manual-entry tracking as the documented fallback — and your exchange API keys sit on Kubera's servers with read-only merely instructed at setup, not enforced at connect time.
Delta
Choose Delta if API key blast radius matters most
API key blast radius: 8/10 against 6/10 for Kubera (weight 30)
Sync fidelity and gap honesty: 8/10 against 7/10 for Kubera (weight 25)
DeltaScore 67eToro-owned multi-asset tracker whose exchange API keys stay on the buyer's device — never on Delta's servers — with the honest trade-off that the synced trades themselves live under the broker parent's group privacy policy.Strength: Api key blast radius — 8/10Watch-out: The free tier is effectively a demo for this buyer: two total connections and ten tracked assets means anyone with a couple of exchanges plus a wallet pays $6.99/mo almost immediately — and while your API keys stay on your phone, your synced trades and balances sit on eToro-group servers under the broker parent's group privacy policy, which grants eToro broad rights to market to you and to share pseudonymised details with ad platforms.
Criterion by criterion
Scorecard
Published criteria · weight in points of 868 of 8 cells scored. Strength is read from the evidence file; the weight is the published one. Methodology
API key blast radius
by 2 of 10weight 7.2 of 86Delta leads
Kubera6/10 out of 10
Delta8/10 out of 10
Data monetization truth
by 5 of 10weight 6 of 86Kubera leads
Kubera9/10 out of 10
Delta4/10 out of 10
Sync fidelity and gap honesty
by 1 of 10weight 6 of 86Delta leads
Kubera7/10 out of 10
Delta8/10 out of 10
Tier truth and continuity
by 2 of 10weight 4.8 of 86Kubera leads
Kubera9/10 out of 10
Delta7/10 out of 10
Score dimensions
weights sum to 86
The published score is five dimensions, each weighted for the category. "Published criteria" is the criteria block above; the other four are the engine's own terms — availability, friction, trust record, measured data. Each bar is one side's points out of that dimension's maximum; the weight beside the name is its points of the 86-point weighted total. The published criteria above can fill 24 of the block’s 30. A weight marked “constant here” belongs to a dimension every ranked product in the category holds at the same value: it still counts in the total, and it orders nothing here.
Availabilityweight 20 of 86 · constant here
Kubera14/20Delta14/20
Tie
Published criteriaweight 30 of 86
Kubera18.2/30Delta16.3/30
Kubera leads
Frictionweight 10 of 86 · constant here
Kubera2.7/10Delta2.7/10
Tie
Trust recordweight 8 of 86 · constant here
Kubera3.2/8Delta3.2/8
Tie
Measured dataweight 18 of 86 · constant here
Kubera8.3/18Delta8.3/18
Tie
Decision rulePublished order
Choose Kubera unless the term Delta leads on is the one you are buying.
Pick Delta if API key blast radius matters most — it scores 8/10 to Kubera's 6/10 there (weight 30).
The published order weighs every criterion the same way for everyone. To weigh them your way, run .
From the published order
Next best action
If this isn't your case
Other matchups worth comparing
How you can lose money here, and what the ranking scores
Custody failure: whoever holds the assets loses or withholds them.
Scored by If my API keys leak, can someone trade or withdraw with them — and has that already happened here? · 30% (Kubera 6/10, Delta 8/10)
Exit failure: you cannot get out at par, on time, or with what is yours.
Scored by What does the free tier quietly stop tracking, and will this app outlive my history? · 20% (Kubera 9/10, Delta 7/10)
Information failure: the number is wrong or bought, or your data leaks.
Scored by The dashboard is free — so who is paying, and what of mine are they buying? · 25% (Kubera 9/10, Delta 4/10)
Scored by When the app and my exchange disagree on a balance, will I ever find out which one is wrong? · 25% (Kubera 7/10, Delta 8/10)
Every failure family that applies to this category is scored.
Questions
Frequently asked questions
Kubera scores 5 points above Delta, led by data monetization truth and tier truth and continuity. Published scores, out of 100: Kubera 72 (rank 2 of 7 portfolio tracking), Delta 67 (rank 4 of 7).
Reviewed means both products compared here was read against its sources on or after that date; every ranked category is re-read at least every 45 days. Models research, extract and parse. A deterministic engine ranks. Every quote passes an adversarial refute pass.
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