Almost all crypto is quoted in dollars. Almost every expense in Russia is in rubles. While the portfolio is in one currency and life is in another, you do not know whether this pile covers an apartment, a tax bill or just a month.
You can convert it roughly at the central bank rate. Doing that every day is another matter. The rate moves, the portfolio moves, and what stays in your head is yesterday's number.
Which rate to take
A portfolio needs the market rate at which you actually convert a stablecoin into rubles, not a textbook one. Interbank, exchange, OTC — wherever you convert, that is your anchor.
The official central bank dollar rate is convenient for reporting and often convenient for how things feel. For the decision to sell or hold, it is better to use the rate you are quoted for USDT/RUB. Two or three percent on a large sum is not small change.
In Crypto360 rubles are calculated through the market USDT/RUB, not through some invented internal rate.
Where rubles lie even at an honest rate
Spam in dollars is still spam in rubles. If a token with a phantom price added forty thousand dollars, in rubles that will look like a car. The filter matters more than the currency.
The second trap is assets with no market. An NFT priced "at the last sale", a gift with no bids, a skin with no sales. Multiplying a fantasy by the ruble rate does not turn the fantasy into money. Price the asset first, pick the currency second.
The third is rounding and lag. The exchange rate is five minutes older than the coin quotes. On a quiet market that is pennies. On a day when everything is flying, do not make decisions off a screenshot to the second.
Why one total instead of two columns in Excel
Because you look at one number anyway when you decide. Two columns (USD and RUB) in a spreadsheet only live while you have it open. In a tracker the currency switch has to be the same total, the same per-chain shares.
On assembling the portfolio itself — every digital asset in one total. To count your own: open the tracker.