7.2Expert Score
Funded Academy
Funded Academy is a UAE-launched (May 2026), Saint Lucia-registered proprietary trading firm built around a single idea: trading should be a process of learning, proving, and evolving – not just passing a one-off challenge. Founded by CEO Mohammed Salehuddin Azad, the firm bundles education, evaluation, and funding into one platform. Traders choose between a 1-Step Challenge (85% profit split) or a 2-Step Challenge (80% split), with funding ranging from $5K up to $200K per account and a maximum allocation of $1,000,000 through performance-based scaling. Profit splits can climb to an industry-leading 95% via the scaling program. Trading happens on MetaTrader 5 and cTrader. Payouts run on a 2-week trading cycle with the first payout available on demand, processed via Crypto or RISEWORKS within 24-48 hours. No consistency rules. KYC only after passing challenges. Funded accounts issued within 12 hours of KYC completion.
PROS
- 1-Step Challenge available with industry-high 85% profit split
- Profit splits scale to 95% via performance scale-up program
- Max allocation up to $1,000,000 based on performance
- MetaTrader 5 AND cTrader supported – widely used by traders
- $0 commission on Indices
- No consistency rules on any account type
- Funded accounts issued within 12 hours of KYC
CONS
- Newly relaunched (May 2026) – limited long-term track record
- Registered in Saint Lucia (offshore jurisdiction)
- 1-Step plans cap at $100K (lower than 2-Step’s $200K)
- Leverage limited to 1:100 on Forex – lower than some FX prop firms
- 2-Step Challenge fees climb to $1,080.99 at the $200K tier
Key Rules
- Profit Target (Stage 1, 2-Step): 10% in 30 days (per the firm’s original 2-step structure)
- Max Drawdown – 2-Step: 10% overall (static)
- Max Drawdown – 1-Step: 8% trailing
- Daily Drawdown: traders historically choose between a 5% daily loss limit OR maintaining a 50% positive-trading-days ratio during the challenge (legacy 2-step rule)
- Leverage: up to 1:100 on Forex (2-Step Challenges)
- Consistency rule: none on any account type
- Lot size limit: none
- News trading (challenge): unrestricted
- News trading (funded): 2-minute restriction around high-impact news; free on medium/low impact
- Weekend holding: allowed
- EAs and trade copiers: permitted
- Trading cycle: 2 weeks
- First payout: on demand
- KYC: only after passing challenges; funded accounts issued within 12h of KYC
- Indices commission: $0 per lot
Company Information
- Operator: Funded Academy Ltd. (registered in Saint Lucia)
- Launch: Relaunched May 13, 2026 (Ajman, UAE)
- Founder & CEO: Mohammed Salehuddin Azad
- Headquarters / market presence: Ajman, UAE; operates globally
- Account sizes: $5K – $200K (2-Step); $5K – $100K (1-Step)
- Max allocation: up to $1,000,000 via performance scaling
- Profit split: 80% (2-Step) / 85% (1-Step) / up to 95% via scale-up
- Platforms: MetaTrader 5 and cTrader (desktop, web, mobile)
- Instruments: Forex, Indices, Commodities, Metals, Crypto, Stocks (per third-party listings)
- Broker partner: historically Eightcap (per third-party prop directory)
- Payout methods: Crypto, RISEWORKS
- Payout speed: 24-48 hours after approval
- Support: 24/7 via support@fundedacademy.com
- Affiliate program: tiered commissions 15% (Tier 1) – 20% (Tier 3)
Key Features at a Glance
Challenge Fees
2-Step Challenge starts at $49.99 ($5K account) and scales to $1,080.99 ($200K account). 1-Step Challenge starts at $55.88 ($5K) and goes up to $576.88 ($100K). One-time activation fees; refundable per the firm’s published terms.
Account Types
Two distinct evaluation paths: 1-Step Challenge (faster, 85% split, 8% trailing drawdown) and 2-Step Challenge (traditional two-phase, 80% split, 10% static drawdown). Both lead to a funded account with the same 24/7 support and rule set.
Profit Split
1-Step: 85% to the trader. 2-Step: 80% to the trader. After qualifying for the scale-up program, profit splits can climb to 95% – one of the highest in the industry.
Account Sizes
2-Step: $5K, $10K, $25K, $50K, $100K, $200K. 1-Step: $5K through $100K. Performance scaling can raise account balance by 40% per qualifying cycle, leading to a max allocation of $1,000,000.
Trading Platform
MetaTrader 5 and cTrader. Both are widely supported by the broader trading ecosystem and have desktop, web, and mobile apps. Funded Academy is fully accessible from desktop, browser, and mobile.
Financial Markets
Forex, Indices (with $0 commission), Commodities, Metals, Crypto, and Stocks per third-party prop directories. The firm’s core marketing focus is FX and Indices.
Evaluation Programs
1-Step Challenge
Streamlined single-phase path. Designed for traders who don’t want a multi-stage gauntlet. Pricing: $55.88 (5K) up to $576.88 (100K). 8% trailing drawdown. 85% profit split out of the gate.
2-Step Challenge
Traditional two-phase evaluation. Stage 1: hit 10% profit target within 30 days while respecting the 10% overall max drawdown and choosing between a 5% daily loss limit OR 50% positive-days ratio. Stage 2 (per legacy structure): 5% profit target within 60 days under the same drawdown. 80% profit split. Accounts $5K to $200K, fees $49.99 to $1,080.99.
Scale-Up Program
For qualifying funded traders. Each performance milestone increases the account balance by 40%, with profit splits climbing toward 95% and maximum allocations reaching $1,000,000.
Account Sizes & Pricing
| Program |
Account Size |
Activation Fee |
Profit Split |
Max Drawdown |
| 2-Step Challenge |
$5,000 |
$49.99 |
80% |
10% overall |
| 2-Step Challenge |
$10,000 |
tier-priced |
80% |
10% overall |
| 2-Step Challenge |
$25,000 |
tier-priced |
80% |
10% overall |
| 2-Step Challenge |
$50,000 |
tier-priced |
80% |
10% overall |
| 2-Step Challenge |
$100,000 |
tier-priced |
80% |
10% overall |
| 2-Step Challenge |
$200,000 |
$1,080.99 |
80% |
10% overall |
| 1-Step Challenge |
$5,000 |
$55.88 |
85% |
8% trailing |
| 1-Step Challenge |
$10,000 |
tier-priced |
85% |
8% trailing |
| 1-Step Challenge |
$25,000 |
tier-priced |
85% |
8% trailing |
| 1-Step Challenge |
$50,000 |
tier-priced |
85% |
8% trailing |
| 1-Step Challenge |
$100,000 |
$576.88 |
85% |
8% trailing |
| Scaled (Top-Performer) |
up to $1,000,000 |
earned via performance |
up to 95% |
per program rules |
Anchor prices ($49.99, $1,080.99, $55.88, $576.88) confirmed by Funded Academy’s May 2026 launch announcement. Intermediate tier prices follow Funded Academy’s pricing ladder; verify exact figures on the live checkout before publishing.
Trading Platforms
Funded Academy supports two of the most widely-used retail trading platforms in the industry, giving traders flexibility based on workflow preference.
- MetaTrader 5 (MT5): the standard for retail forex and CFD trading – charting, EA support, depth-of-market, hedging, and multi-asset coverage
- cTrader: known for cleaner order entry, advanced execution analytics, cBots (automation), and depth-of-market
- Access: desktop apps, web terminal, and mobile (iOS + Android) for both platforms
- Real money accounts: per third-party reviews, Funded Academy historically uses real-money accounts via its broker partner rather than pure demo
- Broker partner: Eightcap (historical, confirm current arrangement)
Financial Markets
Funded Academy gives traders access to a broad multi-asset universe across both major platforms.
- Forex: major, minor, and exotic pairs – up to 1:100 leverage on 2-Step Challenges
- Indices: $0-per-lot commission – a notable cost advantage versus competing prop firms
- Commodities: energy and soft commodities
- Metals: Gold, Silver, and other precious metals
- Crypto: available per third-party prop directories
- Stocks: select CFD instruments per third-party listings
- News trading on funded accounts: medium and low impact unrestricted; 2-minute restriction around high-impact releases
- News trading on challenge accounts: unrestricted
Challenge Specifications
- Format options: 1-Step Challenge (single-phase) or 2-Step Challenge (two-phase)
- Profit Target (2-Step Stage 1): 10% in 30 days (per legacy structure)
- Profit Target (2-Step Stage 2): 5% in 60 days (per legacy structure)
- Max Drawdown – 2-Step: 10% overall (static)
- Max Drawdown – 1-Step: 8% trailing
- Daily Drawdown (2-Step): 5% daily OR maintain 50% positive trading days ratio
- Leverage: up to 1:100 Forex (2-Step)
- Consistency rule: none on any account type
- Lot size limit: none
- Weekend holding: allowed
- EAs and trade copiers: allowed
- Time limit: 30 days (Stage 1), 60 days (Stage 2) on legacy 2-Step
- Unlimited free retakes: historically available if traders end the challenge profitable but failed without breaking rules (verify current policy)
Payout Methods
Funded Academy’s payout model is built around a fixed 2-week trading cycle and on-demand first payout, processed through crypto or RISEWORKS within 24-48 hours after approval.
- Trading cycle: 2 weeks
- First payout: on demand (after passing and KYC)
- Processing time: 24-48 hours after approval
- Payout methods: Crypto and RISEWORKS
- Withdrawal methods (per third-party listings): Bank wire transfer and crypto
- Profit split: 80% (2-Step), 85% (1-Step), up to 95% via scale-up
- Funded account activation: within 12 hours of KYC completion
- Affiliate commission payouts: Crypto or RISEWORKS, 24-48 hours after approval
Trading Commissions
- Indices commission: $0 per lot – explicit cost advantage
- Forex commissions: per broker (Eightcap historically) – standard ECN-style commission structure on tighter-spread accounts
- Activation fees: $49.99 to $1,080.99 (2-Step) / $55.88 to $576.88 (1-Step) – one-time, paid at challenge purchase
- Refund policy: challenges are positioned as refundable per the firm’s published terms – verify on the live checkout
- Monthly fees: none disclosed in the May 2026 launch announcement
- Reset fee: per third-party reviews, unlimited free retakes have historically been offered when a profitable trader fails without rule breaches – verify current policy
Prohibited Activities & IP Rules
Funded Academy explicitly highlights what it allows – the prohibited side is relatively narrow and built around fair-play standards.
- No market manipulation: standard prop-firm clauses prohibit spoofing, wash trading, and exploit of pricing inefficiencies
- No coordinated multi-account abuse: simultaneous opposing positions across accounts to game the system are not permitted
- News trading (funded only): 2-minute restriction around high-impact news events; medium and low-impact unrestricted; challenge accounts have no restriction
- Account ownership: each funded account is tied to one verified individual after KYC
- Strategy freedom: scalping, swing trading, news trading, EAs, trade copiers, martingale-style strategies, and overnight/weekend holding are all permitted
- Lot sizes: no lot size restrictions
- Restricted jurisdictions: verify on the firm’s terms and conditions
- Breach consequence: account termination per the firm’s published rules; specifics vary by program
Unique Features
- Two parallel evaluation models: 1-Step (85% split, 8% trailing) vs 2-Step (80% split, 10% static) – rare to offer both with distinct economics
- Up to 95% profit split via scale-up: one of the highest published splits in the prop industry
- 40% balance increase per scaling milestone: aggressive growth path toward $1M allocation
- $0 commission on Indices: material cost edge for indices traders
- KYC only after passing: reduces friction for traders evaluating the platform
- 12-hour funded account activation post-KYC
- 2-week trading cycle with on-demand first payout
- No consistency rule on any plan: trade your strategy without artificially smoothing your equity curve
- Education + evaluation + funding bundled: the firm’s positioning is a single platform for the whole trader journey, not just challenge fees
- Both MT5 and cTrader: few prop firms support both natively
- RISEWORKS integration for payouts: alongside crypto, broadens fiat/global rail coverage
Why Choose Funded Academy?
Funded Academy positions itself as more than a challenge-fee mill: the firm is explicitly built around education, evaluation, and funding in a single platform. For traders looking for the highest profit splits in the market, the path from 80%/85% at launch to 95% via scaling is hard to beat. The 1-Step Challenge with an 85% split out of the gate is unusually generous; the 2-Step Challenge follows the FTMO-style two-phase model with no consistency rule, which suits most discretionary strategies. Trade-offs: it’s a relatively new entrant (May 2026 relaunch), it’s registered offshore (Saint Lucia), and 1:100 leverage is modest for FX prop firms. If you want one of the highest profit splits, both MT5 and cTrader, generous drawdown, and a flexible scaling path to $1M, this firm is worth shortlisting.
Frequently Asked Questions
How long does it take to get funded?
On the 2-Step Challenge, traders have 30 days for Stage 1 (10% profit target) and 60 days for Stage 2 (5% profit target). The 1-Step Challenge is faster – single phase only. Once you pass, funded accounts are issued within 12 hours of completing KYC.
Can I hold positions over the weekend?
Yes. Weekend holding is allowed on both challenge and funded accounts – one of the more flexible policies in the prop industry.
What happens if I break a rule?
Account termination per the firm’s published program rules. Per third-party reviews, profitable traders who fail without rule breaches have historically been offered free retakes; confirm current policy on the live terms page.
Can I trade news events?
Yes on challenge accounts (no restriction). On funded accounts, news trading is allowed across medium and low-impact releases; only a 2-minute restriction applies around high-impact news.
How often can I withdraw profits?
2-week trading cycle. First payout is on demand. Subsequent payouts follow the 2-week cadence. Crypto and RISEWORKS rails settle within 24-48 hours after approval.
About Funded Academy
What is Funded Academy?
Funded Academy is a proprietary trading firm that combines education, evaluation, and funding in a single platform. The firm officially relaunched on May 13, 2026 from Ajman, UAE, with global operations under Funded Academy Ltd. (Saint Lucia). Founder and CEO is Mohammed Salehuddin Azad.
How does the Funded Academy evaluation work?
Two options. The 1-Step Challenge is a single-phase evaluation with an 8% trailing drawdown and an 85% profit split. The 2-Step Challenge is a traditional two-phase evaluation: hit a 10% profit target in Stage 1 (30 days), then 5% in Stage 2 (60 days), under a 10% static drawdown, for an 80% split. Pass and you graduate to a funded account.
What account sizes does Funded Academy offer?
2-Step: $5K, $10K, $25K, $50K, $100K, $200K. 1-Step: $5K through $100K. The performance scaling program raises the account balance by 40% per qualifying cycle, leading to a maximum allocation of $1,000,000.
What is the profit split?
80% on the 2-Step Challenge, 85% on the 1-Step Challenge, and up to 95% via the scale-up program for qualifying traders. These are among the highest published profit splits in the prop industry.
Is Funded Academy a legitimate prop firm?
Funded Academy Ltd. is a registered Saint Lucia entity. The firm publicly launched in May 2026 (Ajman, UAE) with a press release distributed via FinanceWire, etf.com, FinSMEs, FXStreet and others. As a newly relaunched firm, the long-term track record is still building – this is worth weighing alongside the firm’s published rules and payout terms.
What educational resources does Funded Academy provide?
The firm’s core positioning is that education, evaluation, and funding live in one platform. Specific curriculum details (course library, mentorship, signals) are not enumerated in the May 2026 launch materials – verify on the live academy/learning section of the website.
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