its definitely NOT every 24 hrs, ive been checking mine for weeks and sometimes nothing changes for 10+ days straight smh

From my experience working in tax prep, the IRS batch processes updates overnight but your individual transcript might not change daily. The system does update around 3-4 AM EST like others mentioned, but whether YOUR specific return gets processed depends on where you are in the queue at your processing center. Early filers and simple returns usually see faster updates, while complex returns or those with errors can sit for weeks without changes. Don't drive yourself crazy checking multiple times per day - once in the morning after 6 AM EST is plenty!

I would probably contact Dave again, but specifically ask to speak with their ACH department or a supervisor. Sometimes the frontline customer service representatives don't have visibility into pending transactions that haven't fully posted yet. In my experience, using the phrase "I need to speak with someone who can verify pending ACH transfers that might not be visible in the system yet" can get you to someone more helpful. If that doesn't work within 24 hours, you might need to consider filing a CFPB complaint, which often prompts faster action from financial institutions.

I've been through this exact situation with Dave last year! Here's what actually helped me get results: when you call Dave, specifically ask to be transferred to their "Payment Operations" or "ACH Processing" department - don't just talk to regular customer service. The front-line reps literally cannot see pending ACH transfers that are in their processing queue. Also, get a reference number from Cross River for the transaction they sent - this gives you something concrete to reference when Dave claims they haven't received anything. In my case, Dave had received the deposit 2 days earlier but it was sitting in their internal review system. Once I had the Cross River reference number and spoke to the right department, they located it immediately and released it the same day.

Another option worth considering is FreeTaxUSA's built-in crypto import feature. I switched from TurboTax last year partly because of how much easier they made crypto reporting. You can directly upload CSV files from most major exchanges without needing to convert to TXF first. The software automatically calculates cost basis using FIFO method and handles crypto-to-crypto trades correctly. Plus FreeTaxUSA is significantly cheaper than TurboTax - their Deluxe version that includes investment/crypto reporting is only $14.99 compared to TurboTax's $89+ for similar features. I know switching tax software mid-season isn't ideal, but if you're having ongoing issues with CSV to TXF conversions, it might be worth considering for next year. They also have better customer support response times in my experience, so you're less likely to need services like Claimyr to get through to someone.

I've been using FreeTaxUSA for crypto reporting for the past three years and can confirm they handle the fair market value calculations automatically. When you upload your CSV files, their system looks up the USD value of cryptocurrencies at the exact time of each transaction using historical price data from multiple sources. For exchange support, they work well with Coinbase, Robinhood, Kraken, Gemini, and Binance US. I've personally used it with Kraken and Coinbase without issues. For smaller exchanges, you might need to format your CSV to match one of their supported templates, but they provide clear documentation on the required column headers. One thing I really appreciate is that they show you a preview of all imported transactions before finalizing, so you can catch any pricing discrepancies or missing data. They also generate a detailed crypto tax report that breaks down short-term vs long-term gains, which has been helpful for my records. The only downside is their crypto feature is relatively new compared to TurboTax, so if you have really complex DeFi transactions or unusual crypto events, you might still need to do some manual adjustments. But for standard trading activity, it's been much smoother than dealing with TXF conversions.

I've been dealing with this exact same issue for the past two years with my consulting partnership! The K-1 income classification problem is so frustrating when you're trying to qualify for credits. One thing that helped me was looking into whether any of my partnership activities could be reclassified. Since you mentioned you "barely made any money" - are you actually performing services for the partnership that could justify guaranteed payments? Even a small amount of guaranteed payments for your active work in the business would count as earned income. Also, regarding your fiancé not being able to claim the kids because of the 1095-A - have you looked into the rules around who can claim dependents when there's marketplace insurance involved? Sometimes there are ways to structure this that work better for your overall tax situation. The Premium Tax Credit calculations can be really complex when multiple people in a household have different income types. It might be worth getting a second opinion from a different tax professional who has more experience with partnership structures and marketplace insurance interactions. The combination of those two things creates some really specific scenarios that not all preparers are familiar with.

I went through this exact same situation with my small business partnership last year! The K-1 earned income issue is incredibly frustrating, but there are definitely some workarounds. What ended up working for me was restructuring part of my partnership income as guaranteed payments for services I actually perform in the business. Even if it's just a small amount - like $3,000-5,000 annually for bookkeeping, administrative work, or client management - those guaranteed payments get reported as self-employment income and count toward earned income for tax credits. The key is making sure you can document that you're actually providing services to justify the payments. Keep records of hours worked, tasks performed, etc. You'll pay self-employment tax on that portion, but the trade-off is worth it if you can qualify for EITC or other earned income-based credits. For your dependency situation with the 1095-A, definitely explore whether you or your fiancé claiming the kids results in better overall tax benefits for your household, even if you file separately. Sometimes the person with the "worse" individual tax situation should claim them if it maximizes the household's total refund/credits. I'd strongly recommend finding a tax professional who specifically has experience with partnership structures AND marketplace insurance - that combination creates unique scenarios that many preparers haven't dealt with before.

One thing that hasn't been mentioned yet is the importance of keeping detailed records of your betting activity itself, not just the bank transfers. The IRS expects you to be able to substantiate your gambling income and losses if audited. For betting exchanges, this means tracking individual bets, odds, outcomes, and net results. Many professional gamblers maintain spreadsheets showing their betting history, which can be crucial if you want to deduct gambling losses (up to the amount of your winnings) on Schedule A. Also, since you mentioned you're doing this for "serious betting," be aware that if the IRS determines your betting activity constitutes a business rather than casual gambling, the tax treatment changes significantly. Business gambling income goes on Schedule C and is subject to self-employment tax, but you can also deduct business expenses like travel, software, and research materials. The line between hobby and business gambling can be fuzzy, but factors like the time you spend, whether you keep detailed records, and if you depend on the income all play a role in the determination.

This is a really comprehensive discussion, but I want to add one crucial point that could save you significant headaches: consider the timing of when you report your gambling income versus when you actually receive the funds in your US accounts. The IRS generally uses a cash basis for gambling winnings, meaning you report income when you actually receive it, not when you win it. So if you win €10,000 in December but don't transfer it to your US account until January, you'd typically report it in the following tax year. This can be useful for tax planning, especially if you're near year-end. However, this gets complicated with foreign currency. Some tax professionals argue you should report the income when won (using the exchange rate at that time), while others say you report when received in USD. The currency fluctuation between winning and receiving could create additional taxable events. Also, don't overlook state tax implications. Some states have no income tax, while others might tax your gambling winnings at high rates. If you're in a high-tax state, you might want to establish residency elsewhere before you start this venture - but make sure you do it properly to avoid dual-state tax issues. Given the complexity here, I'd strongly recommend getting a consultation with a tax professional who specializes in international gambling taxation before you start. The upfront cost could save you thousands in penalties and missed optimization opportunities.