Funding Traders - Elite Firm Review
- You contract with FT US Inc (Miami); the terms name an unnamed third party as the funder
- Base 80% (2-Step) or 90% (1-Step, Instant); 100% is a paid add-on
- Static on 2-Step PRO6 and PRO10; 1-Step PRO trails and never locks
- The 2% cap is per aggregated trade idea, not per trade – an instant hard breach
- $50 crypto / $200 bank minimum; 21-day cycle; fee refunded on your 2nd payout
Last reviewed: 13 July 2026. Checked against Funding Traders’ official Terms of Service, help centre, withdrawal policy and live checkout. Figures below reflect the products on sale at the time of review; prop firm rules change often, so always confirm on the firm’s own pages before you buy.
Funding Traders: the short version
- What it is: a simulated-capital firm. You contract with FT US Inc (Miami), which its own terms say merely “recommends traders to Evaluator” — an unnamed third party. Governing law is the UAE.
- The split: 80% on the 2-Step products, 90% on 1-Step and Instant. 100% is a paid add-on (+30% of the fee).
- The drawdown: static on 2-Step PRO6 and PRO10. 1-Step PRO trails from your highest balance and never locks.
- The catch: the 2% cap is per aggregated trade idea, not per trade — three scale-in entries share one budget, and breaching it is an instant hard breach.
- Cost: one-time fee, refunded on your 2nd payout (the homepage still says the first). Commission $3/lot on PRO.
- Best for: disciplined traders with tight per-idea risk who take a 2-Step for the static floor.
Firm Overview
Funding Traders is a simulated-capital prop firm selling four evaluations through MetaTrader 5 and TradeLocker. It is one of the larger operations by volume, and one of the harder ones to pin down structurally — the company you pay is not, by its own account, the company that funds or pays you.
The Terms of Service open with it. Clause 1 states that FT US Inc — registered at 901 Pennsylvania Ave, Miami Beach, Florida — “is a company that evaluates and recommends traders to Evaluator, the third-party Proprietary Trading company.” The Evaluator is never named, anywhere in the document. So the entity taking your fee is explicitly not the entity holding the capital or owing the payout, and there is no way to find out who that entity is before you buy.
Two further details follow the same pattern. The governing law is the UAE (clause 14), for a Florida corporation. And the risk disclosure cites the Capital Market Undertakings Act No. 256/2004 Coll. — a Czech statute with no application to either jurisdiction. The legal documents are template residue, and they have not been reconciled.
There is no regulator. No licence, registration number or supervisory authority is named on any page, and the terms affirmatively disclaim regulated activity: FT US Inc “is not a broker and does not accept deposits”, and all trading is on demo accounts.
The Product Line
Four programmes are on sale. Note the drawdown column — it is the difference between a fixed floor and one that follows you up forever.
| Programme | Profit target | Daily DD | Max DD | Drawdown type | Base split |
|---|---|---|---|---|---|
| 1-Step PRO | 10% | 3% | 10% | Trailing – never locks | 90% |
| 2-Step PRO6 | 6% then 6% | 3% | 6% | Static | 80% |
| 2-Step PRO10 | 10% then 5% | 5% | 10% | Static | 80% |
| Instant Funded | None | 3% | 6% | Trailing until +3%, then locks | 90% |
Account sizes run $5,000 to $200,000 on the PRO products, and $10,000 to $400,000 on Instant Funded. There is no time limit on any phase.
The 1-Step PRO drawdown is the trap. It is sold as a flat “10% max loss”, and the terms describe it as “10% fixed from the highest recorded balance” — a phrase that reads like a static floor and is not one. The help centre says it plainly: the limit “trails higher as the account balance increases.” There is no lock provision for 1-Step PRO, unlike Instant Funded, which explicitly locks once you are 3% up. So on 1-Step PRO you can never bank a buffer. Every new equity high raises the line that fails you, permanently. A trader who runs an account to +8% and then gives back 10% from that peak is out — despite being in profit on the account.
The 2-Step products behave the way most people assume: the help centre confirms the drawdown “is fixed and does not trail higher when you’re in profit.”
The 2% Rule: It Is Per Trade Idea, Not Per Trade
Most traders who lose a Funding Traders account do not blow the daily or maximum drawdown. They break the 2% rule — and the version of it printed on the homepage is not the version in the contract.
The homepage pricing table labels it “Risk Per Trade — 2%”. The Terms of Service, clause 5.3, call it something materially different: 2% of the initial account balance per Trade Idea, listed under Hard Breach — the category that terminates the account immediately.
A “trade idea” is defined by the firm as one idea if you open trades in the same symbol and direction that are active simultaneously, or if you close and reopen in the same symbol and direction within two minutes. Different symbols, or opposite directions, count separately.
Why that wording changes everything. If you scale into gold with three separate buy entries, those are not three trades each with a 2% allowance. They are one idea sharing a single 2% budget — and the cap counts floating and closed losses combined across all of them. A trader sizing each entry to “well under 2%” can breach on the aggregate while every individual ticket looks conservative. This is the single most common way accounts die here, and the homepage’s “per trade” phrasing actively encourages the mistake.
| Account size | Max loss on one trade idea (2%) |
|---|---|
| $10,000 | $200 |
| $25,000 | $500 |
| $50,000 | $1,000 |
| $100,000 | $2,000 |
| $200,000 | $4,000 |
The scope also differs by product, which is easy to miss. On the 2-Step products the 2% rule applies in the funded phase only. On 1-Step PRO it applies during the challenge as well. And separately, clause 6.3 lets the firm place any trader who risks “2% or more” into a Risk Management Group at any time — including at the moment you request a payout.
What to do about it: size off the 2% per-idea cap first and check the daily limit second, never the other way round. Treat a stop-loss as mandatory — a gap or a news spike can carry an aggregated idea through the cap before you can react. And remember the cap is measured against your initial balance, so it does not grow with the account.
What The Split And The Refund Actually Cost
The homepage pricing table shows “Profit Split 80%–100%” with no indication that the top of that range is a purchase. It is.
| Add-on | Price |
|---|---|
| 90% profit split | +15% of the account fee |
| 100% profit split | +30% of the account fee |
| Bi-weekly (14-day) payouts | +10% of the account fee |
| Zero Fees (no commission, swap-free) | +15% of the account fee |
The split add-on and the faster-payout add-on are separate purchases — buying both 100% split and a 14-day cycle costs 40% on top of the fee. In fairness, Funding Traders runs near-permanent promotions that bundle the 100% split for free, so many buyers will never pay for it. But the default product does not include it, and the pricing table does not say so.
The fee refund is the one to watch. Three of the firm’s own pages disagree about when you get your money back:
- The homepage FAQ says the fee is “refunded after your first successful payout.”
- The withdrawal policy page also says the first payout.
- The binding Terms, clause 10.1, say the refund arrives “upon the completion of their second (2nd) payout.”
The help centre reconciles them, and the answer is not in the buyer’s favour: accounts purchased before 8 May 2026 get the refund with the first payout; accounts purchased on or after 8 May 2026 get it with the second. So for anyone buying today, the binding terms are correct and the homepage is stale — you will wait one payout cycle longer than the marketing promises. The help centre also states the refund does not apply to Instant Funding at all, in a sentence that sits inside the Instant Funding article, under a heading promising the refund.
Payouts
| Payout term | Detail |
|---|---|
| Minimum payout | $50 crypto (USDT ERC20); $200 via Rise bank transfer |
| Cycle (PRO) | Every 21 days by default; 14 days with the paid add-on |
| Cycle (Instant Funded) | Every 7 days, per the help centre’s June 2026 update |
| Methods | Rise Pay (bank); USDT ERC20 via Coinbase Commerce |
| Processing | 24-48 hours, per the help centre |
| Split | 80% (2-Step) or 90% (1-Step, Instant); 100% as a paid add-on |
Crypto is not a free choice — the help centre restricts it to cases where “Rise is not an option.” And be aware the firm’s own withdrawal-policy page is badly out of date, still describing archived products and a consistency score that exists in no current programme; where it conflicts with the Terms, ignore it.
Two mechanics to know before you get there. A breach during processing voids the payout (clause 7.5): if the account fails within 48 hours of your request, the payout is denied and the money is credited back to the balance instead. And on Instant Funded, the first 3% of profit is permanently non-withdrawable — it is the drawdown buffer, and requesting a payout that dips into it terminates the account.
Trading Rules
- Expert Advisors: risk-management tools and EAs you wrote yourself only. Downloaded or off-the-shelf EAs are banned, and the AI policy is blunt — “‘My AI wrote it’ is not a valid exemption.”
- Copy trading: allowed between your own accounts. Copying other traders or sharing signals terminates every account you hold.
- News trading: permitted on PRO, capped at 30% of total profits. Prohibited outright on Instant Funded, as a hard breach.
- Weekend holding: allowed on PRO, and newly allowed on Instant Funded as of June 2026 — though clause 5.5 still says otherwise and was never updated. Confirm with support before relying on it.
- VPN, VPS and proxies: explicitly allowed, which is unusual and a genuine plus.
- Prohibited: HFT (trades under 15 seconds), any strategy averaging under 2 minutes, grid, martingale, hedging, arbitrage and tick scalping.
- Inactivity: 30 days ends the account permanently — and the clock starts the day you buy, not from your last trade.
- Minimum trading days: 4 per phase plus 2 funded on the 2-Step; 2 plus 2 on 1-Step PRO.
Platforms, Markets and Costs
Funding Traders supports MetaTrader 5 and TradeLocker — that is the full list, and MT5 is not available to US residents. Markets cover forex, indices, metals, energies, commodities and crypto.
Commissions are published, flat and simple: $3 per lot round turn on the PRO products, $6 per lot on Instant Funded, on everything except indices, which are commission-free. The Zero Fees add-on (+15%) removes commission entirely and makes the account swap-free. There is no per-instrument commission schedule, so a table quoting separate rates for EUR/USD and gold is not coming from this firm.
Company Information
- Contracting entity: FT US Inc, 901 Pennsylvania Ave, Suite 3-440, Miami Beach, Florida
- Who actually funds you: per clause 1, an unnamed third party called only “Evaluator” – never identified anywhere in the Terms
- Governing law: the UAE, despite the Florida entity. No UAE company is named.
- Regulation: none. No licence or supervisory authority appears on any page, and all accounts are demo.
- Platforms: MetaTrader 5 and TradeLocker
- Trustpilot: Trustpilot is not currently displaying a star rating for Funding Traders, so we do not quote one here. The listing remains live with 3,316 reviews on file and its reviews are still readable, and ratings can change – check it directly for the current position.
Who Funding Traders Actually Suits
As a trading product the PRO line is competitive: both 2-Step routes use a genuinely static drawdown, there is no time limit, commissions are flat at $3 a lot, VPNs are permitted, and the base split on 1-Step and Instant is 90% before any add-on.
The reservations are structural rather than mechanical. You contract with a Florida company that says in its own terms it is not the one funding you, under UAE law, with a Czech statute in the risk disclosure and no regulator anywhere. The refund date advertised on the homepage is a payout cycle out of date. Trustpilot is not currently showing a rating for the firm. None of this means the firm will not pay – it pays a great many traders – but it does mean that if something went wrong, it is genuinely unclear who you would be claiming against.
Consider it if you trade with disciplined per-idea risk, you want a static drawdown (take a 2-Step, not the 1-Step), and you treat the fee as a sunk cost rather than a deposit.
Avoid it if you scale into positions without aggregating risk across the entries, you are drawn to the 1-Step PRO’s “10% max loss” without registering that it trails forever, or you need to know who holds the capital behind your account.
Frequently Asked Questions
What is the 2% rule at Funding Traders?
No single trade idea may lose more than 2% of your initial balance. A trade idea aggregates every entry in the same symbol and direction held at once, or reopened within two minutes – so three scale-in entries share one 2% budget, counting floating and closed losses together. It is a hard breach: the account is terminated immediately.
When is the Funding Traders fee refunded?
For accounts bought on or after 8 May 2026, with your second payout – not your first. The homepage and withdrawal-policy page still say the first; the binding Terms (clause 10.1) and the help centre say the second, and they govern.
Is Funding Traders’ drawdown trailing?
It depends on the product. 2-Step PRO6 and PRO10 are static. 1-Step PRO trails from your highest balance and never locks, so the failure line rises with every new equity high for the life of the account. Instant Funded trails until you are 3% up, then locks.
Is Funding Traders legit?
Funding Traders is a real, operating firm, but the corporate picture deserves scrutiny. You contract with FT US Inc (Miami Beach, Florida), and clause 1 of its own terms says that company merely “recommends traders to Evaluator, the third-party Proprietary Trading company” — an entity that is never named. There is no regulator, the governing law is the UAE despite the Florida registration, and all accounts are simulated.
Does Funding Traders accept US clients?
The company is registered in Florida, but MetaTrader 5 is not available to US residents. US traders are limited to TradeLocker.
Does Funding Traders have a consistency rule?
There is no percentage-based consistency rule. The binding constraint is the 2% cap per trade idea, which is classed as a hard breach and terminates the account immediately. On funded PRO accounts, no more than 30% of total profits may come from news-influenced trades.
Can you hold trades over the weekend at Funding Traders?
On the PRO accounts, yes. On Instant Funded, the firm announced in June 2026 that weekend holding is now allowed — but clause 5.5 of the terms still says the opposite and has never been updated. Confirm with support before relying on it.
Is Funding Traders legit?
Funding Traders is a real, operating firm, but the corporate picture deserves scrutiny. You contract with FT US Inc (Miami Beach, Florida), and clause 1 of its own terms says that company merely “recommends traders to Evaluator, the third-party Proprietary Trading company” – an entity that is never named. There is no regulator, the governing law is the UAE despite the Florida registration, and all accounts are simulated.
Does Funding Traders accept US clients?
The company is registered in Florida, but MetaTrader 5 is not available to US residents. US traders are limited to TradeLocker.
Does Funding Traders have a consistency rule?
There is no percentage-based consistency rule. The binding constraint is the 2% cap per trade idea, which is classed as a hard breach and terminates the account immediately. On funded PRO accounts, no more than 30% of total profits may come from news-influenced trades.
Can you hold trades over the weekend at Funding Traders?
On the PRO accounts, yes. On Instant Funded, the firm announced in June 2026 that weekend holding is now allowed – but clause 5.5 of the terms still says the opposite and has never been updated. Confirm with support before relying on it.
There are no reviews yet.