Is it possible to organize coins into different portfolios/wallets without on-chain transfers?

Hey everyone, fellow 100K BTCitcoiner-Electrum users! I have a question for you all: Can I show and/or group together total outputs or addresses of Bitcoin in Electrum (or other wallets) and just display the coins/addresses I choose (like Labels & Accounts) without actually moving them on-chain to another wallet? I even asked Rodolfo's AI from Cold Card's "Unleashed Chat" this: "Is there a way to show only a part of the BTC and the total amount of those coins (from the total BTC in a wallet seed), in a wallet with multiple Bitcoin address outputs, WITHOUT transferring them on-chain to another wallet, treating them like separate wallets or portfolios?" For example: 1) Picture a cold storage hardware wallet with 10 Bitcoin. Out of those, 7 belong to person A and 3 belong to person B (they could be a married couple or not). It’s like having two different "portfolios" from one seed, similar to what Ledger Live offers. This could be useful for things like tax reports or spending management (person A spends from his BTC, person B spends from theirs, etc.). I want to show the 7 BTC for person A in one portfolio and the 3 BTC for person B in another, all while keeping the Bitcoin in the same wallet/seed on the blockchain. Or, say in example 2) Imagine a company holding 10 Bitcoin in cold storage, and for reasons like bookkeeping, regulatory needs, tax reporting, etc.

If all your coins are in one hierarchical deterministic (HD) wallet, even if they are separated in different addresses you can't move them to another HD wallet without an on-chain transaction.  You can export the private keys and create a separate wallet for each address by importing each private key into it's own wallet, but that won't consolidate the UTXOs.  It just moves that one private key into it's own wallet, and that wallet will contain only that one address, i.e. it won't be an HD wallet. If you want to use Electrum to create separate HD wallets using the same hardware wallet (i.e. ColdCard (with USB enabled,) Trezor, Ledger, etc.). you can create separate "accounts" by editing the derivation path manually when creating the wallet.  Unlike the Trezor Suit or Ledger Live which can list multiple accounts, with Electrum you'll have a sperate wallet file for each "account." To create multiple accounts using a hardware wallet, plug the hardware wallet into your computer, click "File" > "New/Restore" then select  "Standard wallet" > "Use a hardware device" > "Select a device" >...  which will bring you to a page like this one: Edit the derivation path as follows: Account 1: m/84h/0h/0h Account 2: m/84h/0h/1h Account 3: m/84h/0h/2h ... Account 1000: m/84h/0h/999h Account 1001: m/84h/1h/0h So on and so forth.  You can use this method to create a million accounts.

It's describing an Electrum client fork by a Bitcoin fork. Old Electrum doesn't even have that 'View' menu. The one with "Accounts" tab that can derive separate accounts with different 'account_index' but there's no direct "transfer to a new wallet" feature. Refer to the post above to do that manually. With pre-existing wallet, you can only do this by creating a new "imported" Electrum wallet containing those individual addresses. It's troublesome to setup if there's thousands of addresses since you'll have to import them in "Import bitcoin addresses or private keys" new wallet menu one line per address. For new setup, just plan it beforehand and create separate wallets per portfolio, you can create more than one wallet in Electrum. Then, to get the accumulated balance of the related portfolios, you can use Bitcoin Core to create a watch-only wallet containing all of those wallets extended public keys. Import those as descriptors by doing this: https://bitcointalk.org/index.php?topic=5399337.msg60178631#msg60178631 It'll work but that derivation path is normally used for Bitcoin testnet's first account if the standard is followed. The path level of "1h" in that example is designated for "Coin Type" as per BIP84 standard; '0h' is for Bitcoin mainnet and '1h' is for Bitcoin testnet. The hardened "account_index" can be higher than 999, no need to iterate the coin type index to generate more than 1000 accounts.

Thanks you so very much for taking the time for those great answers! Very much appreciated. Maybe I could just make a watch only wallet / portfolio from selected UTXO's / Bitcoin addresses / specific coins and a quick Brave AI search listed Sparrow and Blue Wallet that can do watch only wallets (and others but didn't name them).   Seems like Sparrow can only import the master private key, so only the whole 10 BTC from the example, but Blue Wallet you can actually import the private key of a single unspent coin UTXO or, since I don't want to move the coins on chain, I picked out some public keys that add up to the amount I need to display for mentioned purposes, out of Electrums Wallet/Private Keys/Export menu (from the window that follows, where all used addresses are displayed together with their respective private keys) and Blue Wallet automatically created a watch only wallet with that Public address! This could work… Unfort. Blue Wallet can only import 1 public address at a time (or am I missing something? I tried commas but it wouldn't work with several public addresses or importing private keys, going to ask the devs about that), but then I can just make several wallets and Blue Wallet displays the total balance of all wallets it holds. This only makes sense of course if the wallet is not to complex yet - otherwise its a huge task if theres dozens of UTXO's to import.. If anyone has any other idea or wallet that can do this please post, thanks! B&R

If you don't want to spend your coins, only need to check your address/ wallet balance, you can import Public addresses you want to observe and have watch only wallets. Another solution for you, is to bookmark these Bitcoin addresses on your spreadsheet and use Tor browser for checking these address balance with a Bitcoin block explorer. Check it with Tor if you want to protect your privacy. Download Tor browser: https://www.torproject.org/download/ List of useful Bitcoin block explorers.

You don't have to use a different software wallet. Electrum will do this just fine. You can create a new Electrum wallet and import the addresses you want to watch or individual private keys if you want to spend the coins from the associated addresses. And, you don't have to add one at a time. You can import multiple addresses/keys one below the other. One line for each. Of course, you will need to prepare these addresses/keys in advance that you can then copy and paste into Electrum when the software asks you for it.

[Guide] Importing your private keys into Electrum wallet mentions about importing multiple addresses or private keys. Two other gudies on Electrum wallet for beginners and advanced users. TUTORIAL: How to use Electrum (for beginners) TUTORIAL: How to use Electrum (for advanced users)

Beautiful!! Thanks a million ($ per sat   )! THIS IS IT! As I'm playing around and testing a solution, I was using Electrum to export/display single coins in testnet mode  and trying to display them together in a different wallet software (like I mentioned Blue Wallet) I overlooked that Electrum can do this. *facepalm* Electrum really is so brilliant function wise and even with it's 90's look design, it's easy to use - more or less. This window does exactly what I need and wished Blue Wallet 's equivalent one did as well… (importing multiple addresses at once) I tried multiple ways (one per line, separating with comas etc.) but it only works when entering a single coin's address. Tbh, I was surprised it can even do that as it seems more made to import an entire xpub or master key/ seed etc. But maybe I'm missing something here as well. This is what Blue Wallets import window looks like: https://i.gyazo.com/e8644b8efb6d41e5dc1bb5dada22d2db.png Thanks for the impupt/guides, this is great!! I'd pass out merits if I had any Cheers B&R

I should've added more details when i suggested you this; the topic would've been shorter: (I underlined the key words) It's good, you didn't missed anything. That's just how the current version of Blue Wallet is designed, it integrated "restore" in one input box that accepts almost everything but only takes one per restore. The good part is it's open-source (GitHub) so anyone can check the code to make the necessary changes to include a feature similar to Electrum's imported wallet, and send it as "pull request".

Thanks again for the clarification. I'm stoked that Electrum can do this by adding a whole list of addresses. Blue Wallet's import window, although it can only import one public coin address or it's private key at a time, is brilliant as well, as it recognises literally "anything you've got" and "will do it's best to guess the correct format and import your wallet", which is an amazing feature in itself.Hey, maybe I'll do my very first pull request on Github as suggested! Thanks and Merry Christmas and a good new 2025! It's gonna be one hell uv a ride! Cheers B&R