Prop Firm Offering 1 Million Dollars Funding
“$1 million in funding” can mean a single account, several permitted accounts added together or a ceiling available only after a long scaling process. Those routes require different purchases and different evidence. This page focuses on how a trader could actually reach a seven-figure allocation, rather than treating every million-dollar headline as an account available today.
The comparison distinguishes the starting account size, the maximum combined allocation and any performance-based growth route. A nominal balance may be simulated, and it is not money the trader owns or can withdraw. The separate loss allowance determines how much adverse movement the programme permits.
Start by asking whether the million-dollar figure is available at entry, after evaluations, through aggregation or only after scaling. Then check whether the firm’s overall trader cap supports that route. Buying several accounts does not establish permission to combine their allocations, trade them identically or withdraw the advertised total. The practical question is which documented steps lead to usable access and what limits apply along the way.
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Showing 1–12 of 38 results
- US-registered prop firm (Alpha Lab Technologies LTD, Wyoming; alphafunded.com) with simulated forex/CFD challenges
- Signature rules: a per-trade floating-loss cap (auto-close) plus mandatory profitable days (7 or 10)
- Split marketed “up to 100%” but really 90% — and faster payouts lower it (~80% / ~70%)
- Simulated Terms under “real capital / up to $4M” marketing; news/weekend/fast payouts are paid add-ons
- Distinct from the UK firm Alpha Capital Group; some payout-denial complaints on record
★★★★★
More details +Alpha Trader Firm
Alpha Trader Firm is a legitimately US-registered, transparently-disclosed simulated firm with a broad product range and modern platforms. For a trader with tight per-trade risk and frequent small profits, its rules are passable and its 90% funded split is competitive. But it is demanding and add-on-gated, and the marketing oversells it: the per-trade floating-loss cap can end an account on a single temporary drawdown, the profitable-days rule punishes patient styles, and the 100% split is really 90% (less for fast payouts).PROS:
- Legitimately US-registered with an unusually clear simulated-account disclosure
- Broad product range (1-step, 2-step, instant, pay-later) and modern platforms
- 90% default funded split is competitive
- One-time fee, no monthly subscription
- Payouts via RISE with the firm covering fees
CONS:
- Per-trade floating-loss cap auto-closes the account, even on a temporary drawdown
- Mandatory profitable days (7 or 10 per 30) penalise patient or low-frequency styles
- 100% split is really 90%, and faster payouts lower it (~80% / ~70%)
- CFD prop firm trading simulated capital across nine programmes, scaling to $4,000,000
- 90% base profit split — the highest base rate we have found at any firm
- The advertised 100% split is a checkout add-on, not a performance tier
- A 2% floating loss permanently closes the account — $2,000 on a $100,000 account, even on an open trade
- One-time fee; the fee refund arrives on your fourth payout
★★★★★
More details +Aqua Funded
Aqua Funded (Aqua Funded FZCO, Dubai; with AquaFunded LTD, Saint Lucia, providing the simulated trading) offers nine programmes and the highest base profit split we have found anywhere — 90%. But three things decide most accounts. First, the advertised 100% split is a PAID checkout add-on, not an achievement, even though the homepage headline reads 'Trade with our Capital and keep 100% of the Profit.' Second, the fee refund arrives only at your FOURTH payout and is forfeited entirely if you breach before then. Third, and most dangerous: on Instant, AquaMan and Pay After Pass, a floating — UNREALISED — loss of just -2% of your starting balance PERMANENTLY CLOSES the account (-1% on $300K and $400K accounts). On other funded accounts, 'Wave Stop' fires at a 2% floating loss: the first trigger halves your split to 50%, the second breaches you. Note also that Trustpilot carries an active fabricated-reviews alert on Aqua's profile, where the score is 2.8/5.PROS:
- 90% base profit split — the highest base rate we have found anywhere
- Nine programmes, including a 5 USD "Pay Later" route where you pay only on passing
- No time limits on any evaluation
- Minimum payout of just 100 USD
- 24-business-hour payout guarantee, or Aqua pays you 1,000 USD
- 2-Step Standard and 2-Step Elite use a STATIC drawdown
- Scaling to 4 million USD
- MatchTrader, TradeLocker, MT5 and cTrader all supported
CONS:
- The −2% floating-loss rule: on Instant, AquaMan and Pay After Pass, an unrealised loss of −2% permanently closes the account (−1% on 300K and 400K accounts)
- "Wave Stop" on other funded accounts: a 2% floating loss auto-closes everything — the first trigger halves your split to 50%, the second breaches you
- The 100% split is a PAID checkout add-on, while the homepage headline reads "keep 100% of the Profit"
- The fee refund arrives only at your fourth payout, and is forfeited entirely if you breach before then
- Trustpilot carries an active fabricated-reviews alert; the score is 2.8/5 — while Aqua advertises "9.4/10 from 5k+ verified reviews"
- Seven of the nine programmes use a trailing drawdown
- Simulated prop firm trading since 2012, one of the longest records in the category. Three programmes on MT5 and DXTrade, $5,000 to $200,000. Contracting entity AudaCity Global LTD, licensed in the Union of Comoros.
- The loosest rules on this site: the two-step allows 7.5% daily loss and 15% maximum in phase 1, static and measured on initial balance. No time limit on any evaluation.
- News trading, weekend holding, expert advisors and copy trading all permitted on every programme.
- Avoid FTP: instant funding costs $1,299 at $50K against $329 for the two-step, pays a lower split, and still imposes a 10% profit target.
- Watch: the site says no consistency rule while the terms still carry an active consistency clause; the advertised 90% split is shown as 85% or 75% in the firm own calculator; and the Trustpilot rating is unavailable on Trustpilot’s official website.
★★★★★
More details +AudaCity Capital
AudaCity Capital has been trading since 2012, one of the longest records in this category. It sells three programmes on MetaTrader 5 and DXTrade, from 5,000 to 200,000 dollars. The contracting entity is AudaCity Global LTD, registration 15850, operating under an International Brokerage and Clearing House Licence issued by the Union of Comoros, with a London office and a Cyprus payment partner. That licence is real, which puts it ahead of rivals holding none, but it is a light-touch offshore regime rather than a major-market regulator. Its strongest feature is drawdown room: phase one of the Ability Challenge allows a 7.5 percent daily loss and a 15 percent maximum, static and measured on the initial balance, with no time limit and news trading, weekend holding, expert advisors and copy trading all permitted. Three cautions. FTP, the instant funding route, costs 1,299 dollars at 50,000 against 329 for the two-step, pays a lower split and still imposes a 10 percent profit target. The site advertises no consistency rule while the terms still contain an active consistency clause that can fail a challenge. And the advertised 90 percent split is shown as 85 percent or 75 percent in the firm's own scaling calculator.PROS:
- Trading since 2012, one of the longest records in the category
- Holds an Anjouan brokerage licence where most rivals hold none
- The loosest drawdown rules measured on this site: 7.5 percent daily and 15 percent maximum in phase one
- Drawdown is static and measured on initial balance, not trailing
- No time limit on any evaluation, and news, weekends, expert advisors and copy trading all permitted
- Scaling doubles the account across ten steps, plus free competition and education routes
CONS:
- FTP instant funding costs about four times the two-step at 50,000 dollars, pays a lower split and still has a 10 percent target
- The site advertises no consistency rule while the terms carry an active consistency clause
- The advertised 90 percent split is not supported by the firm's own calculator, which shows 85 or 75 percent
- The scaling ceiling is stated inconsistently as 2M, 240K and 768K in different places
- The terms reserve an absolute right to withdraw any trader without explanation
- No per-payout proof published, only headline totals and a named feed
- The funded-trader program of Axi, a broker founded in 2007 — no challenge fee, you fund your own account (from $500)
- Capital scales from $5,000 to $1,000,000 across six stages, as a multiple of your own equity
- Profit split runs 0% at Seed up to 80% at the top — earned by progression, not the 90% some sites quote
- Everything is gated by the proprietary Edge Score, which Axi does not fully publish and can change at any time
- The Axi group is regulated (ASIC, FCA), but Select runs through AxiTrader LLC, an offshore St Vincent entity, outside that perimeter
★★★★★
More details +Axi Select
Axi Select is a no-challenge-fee funded program from Axi, an established broker founded in 2007. Instead of paying to pass a demo, you fund your own live account (from $500) and Axi allocates its own capital on top as you climb six stages, from $5,000 at Seed to $1,000,000 at Pro M, with the split rising from 0% to a maximum of 80%. Two things to understand before you start. The regulatory position is easy to over-credit: the Axi group is genuinely regulated (ASIC, FCA, DFSA), but Axi Select is operated by AxiTrader LLC, an offshore St Vincent entity, OUTSIDE that perimeter. And everything is gated by the proprietary Edge Score, which Axi does not fully publish and reserves the right to change at any time.PROS:
- No challenge fee, no monthly fee, no reset fee - you are not buying an evaluation
- Backed by Axi, an established and elsewhere-regulated broker operating since 2007
- Capital scales to a real $1,000,000 at a competitive 80% top split
- Quarantine gives second chances in the middle stages rather than instant removal
- Monthly automatic payouts with a payout certificate
- A genuinely trader-aligned structure: you are rewarded for proven skill, not for passing a demo
CONS:
- The program is run by AxiTrader LLC, an unregulated offshore SVG entity - the group licences do not protect Select participants
- Not truly free: you fund and risk at least $500 of your own money and pay standard trading costs
- Everything is gated by a black-box Edge Score the firm can change at will
- Seed pays 0%, and reaching the $1m/80% tier needs six stages at Edge Score 90 and $20,000 of your own equity
- Simulated prop firm running nine programmes across CFD and futures, $5,000 to $400,000, on seven platforms. Operated via Blue Guardian Limited (Saint Lucia) with Dubai support entities.
- Standout: a verifiable payout record. $36M+ across 16,871+ payouts, a 12-month volume chart, and a recent-payouts feed where each entry links to its own proof.
- News trading allowed on eight of nine plans. The one exception is CFD Instant, the most expensive CFD plan.
- Nano is a different rule set, not a discount: 1 Step Nano adds a 50% consistency rule; 2 Step Nano gives a larger static drawdown than 2 Step Standard.
- Watch: the Trustpilot rating is unavailable on Trustpilot’s official website, and Trustpilot says it removed fake reviews (2,057 reviews, 22% one-star); futures payouts are capped; the terms reserve sole discretion over payout denial.
★★★★★
More details +Blue Guardian
Blue Guardian is a simulated prop firm selling nine programmes across CFD and futures, from 5,000 to 400,000 dollars, on MT5, Match-Trader, NinjaTrader, TradeLocker, TradingView, Tradovate and DeepCharts. It operates through Blue Guardian Limited in Saint Lucia, with Iconic Exchange FZCO and Blue Guardian Marketing LLC in Dubai. Its standout feature is evidence: the payouts page publishes more than 36 million dollars distributed across over 16,871 individual payouts, a twelve-month volume chart, a top-ten list with dates, and a rolling feed of recent payouts in which every entry links to its own proof. That is a higher standard of disclosure than almost anything else in this category. Two things to understand before buying. News trading is allowed on eight of the nine plans, and the single exception is CFD Instant, the most expensive CFD product. And the Nano plans are different rule sets rather than cheaper versions: 1 Step Nano adds a 50 percent consistency rule that 1 Step Standard does not carry, while 2 Step Nano hands you a larger static drawdown than 2 Step Standard. Against the payout evidence sits one caution: this firm's Trustpilot rating is currently unavailable on Trustpilot's official website, and Trustpilot states it has removed a number of fake reviews.PROS:
- Publishes a checkable payout record: 36 million dollars across 16,871 payouts, with per-payout proof links
- News trading allowed on eight of the nine programmes
- No time limit and no minimum trading days on any plan
- Static drawdown available on both 2 Step plans, rather than only trailing
- Futures Reserve is user-configurable on daily loss limit and consistency level
- Seven trading platforms supported across CFD and futures
CONS:
- the Trustpilot rating is unavailable on Trustpilot's official website, and Trustpilot says it removed fake reviews, with 22 percent of 2,057 reviews at one star
- CFD Instant, the priciest CFD plan, is the only one that bans news trading
- Nano plans add consistency rules the naming does not suggest
- Futures payouts are capped, from 1,100 dollars a day on Express to 4,500 per payout on Standard
- The terms reserve sole and absolute discretion over payout denial, with decisions stated as final
- No financial licence in any of the three group entities
- Prop arm of Blueberry Markets, an ASIC-regulated Australian broker (since 2016); simulated forex/CFD on MT4/MT5/TradeLocker/DXtrade
- Signature: real regulated-broker parentage — genuine infrastructure and longevity most standalone props lack
- Permissive rules: no consistency rule, no time limit, split 80% up to 90%, scaling to a simulated $2M
- Catch: ASIC covers the broker, not the challenges (offshore); documented breach-at-payout complaints
- 1-/2-/3-step + Instant Funding; sizes $5K–$200K; swap-free available; no US traders
★★★★★
More details +Blueberry Funded
Blueberry Funded launched in August 2024 as the prop arm of the broker Blueberry Markets, and the broker relationship is structurally real: funded traders can take payouts straight into a Blueberry Markets trading account. The operating entity is Blueberry Markets (SVG) LLC in Saint Vincent and the Grenadines, so the prop product itself is unregulated, and residents of the United States and Australia are both on the restricted list. Six plans run in parallel: 1-Step, Flex 1-Step, Prime 2-Step, Instant Elite, Instant Lite and a separate Synthetic Indices challenge, priced from $25 for a $5,000 synthetic account and $44 for a $5,000 1-Step, scaling 25% every three months to a simulated $2,000,000 with the split rising to 90%. There is no payout on demand: the first withdrawal comes 14 days after activation, or 7 with a paid add-on. Platforms are MetaTrader 5 and TradeLocker only. Its Trustpilot rating is currently unavailable on the Trustpilot official website, with 35% of 1,725 reviews at one star.PROS:
- Genuine broker backing, with payouts payable directly into a Blueberry Markets trading account
- Cheap evaluations: $25 for a $5,000 synthetic account and $44 for a $5,000 1-Step, with no discount code needed on 1-Step
- Instant Elite carries no daily drawdown at all, which is rare
- Scaling of 25% every three months to a simulated $2,000,000, with the split rising to 90%
- Public rules document and a live, timestamped payout tracker verified by a third party
- Account reset option lets you restart a phase instead of rebuying
- No consistency rule on 1-Step, Flex or Prime
CONS:
- Not available to residents of the United States or Australia
- No payout on demand; the first withdrawal is 14 days after activation, or 7 with a paid add-on
- Trustpilot rating unavailable on the Trustpilot official website, with 35% of 1,725 reviews at one star
- Martingale, grid, tick scalping and high-frequency trading are prohibited, with a five-minute minimum hold on every position
- Flex bans weekend holding and cuts the split from 85% to 60% on a second news-trading strike
- MetaTrader 5 and TradeLocker only; TradingView is not offered
- The firm publishes three different trader counts across three of its own pages
- Dubai company (Bright Global FZCO) with publicly named leadership; unregulated
- Base 80%; 90% is a paid add-on; 100% needs three scale-ups (12+ months)
- Static on both 2-Step plans; the 1-Step TRAILS in real time off equity
- Their own example breaches an account that is only 3.5% down
- The fee refund is a PAID ADD-ON; no minimum payout (withdraw from $0.01)
★★★★★
More details +Bright Funded
Bright Funded is a Dubai firm (Bright Global FZCO) running three plans on DXtrade, cTrader and MT5, with no consistency rule and weekend holding allowed. Two points deserve attention before you buy: the 1-Step uses a real-time TRAILING drawdown - the firm's own worked example breaches an account that is only 3.5% down - and the fee refund is a paid add-on rather than something included.PROS:
- No consistency rule at all - one of the few firms that can say this
- Static drawdown on the 2-Step Bright (8%) and 2-Step Classic (10%)
- No minimum payout - you can withdraw from $0.01
- Weekend and overnight holding both permitted
- Expert Advisors allowed (though not on DXtrade)
- Three platforms: DXtrade, cTrader and MetaTrader 5
- Payouts processed within one day of request
- No recurring or monthly fees
CONS:
- The 1-Step drawdown trails in real time - their own example breaches an account only 3.5% down
- The fee refund is a PAID ADD-ON - without it, there is no refund at all once you trade
- The base split is 80%; 90% is a paid add-on and 100% needs three scale-ups (12+ months)
- Weekly payouts are a paid add-on; the default first payout is 30 days, then every 14
- News-window profits are deducted, but news-window losses are not compensated
- Singapore-registered prop firm (BuoyTrade Private Limited) offering no-evaluation instant funding on MetaTrader
- Runs on essentially one rule: a 5% static max drawdown — no daily loss limit, no minimum days, no time limit
- 50% base split up to 80%, earned by scaling (FAQ still says “up to 50%” in places)
- One-time desk fee from ~$50, no recurring fees; scales to a $1,024,000 account
- The catch: marketing says real “A-Book” trading, but Terms define it as simulated with “fictitious” funds
★★★★★
More details +BuoyTrade
BuoyTrade pitch is appealing to the right trader: instant funding, essentially a single drawdown rule, no minimum days or time limits, a static buffer that grows with your profits, and a $50 entry that scales to a seven-figure account with no monthly fees. Two caveats: the headline economics are best-case (real starting split 50 percent), and the firm own Terms define the trading as simulated with fictitious funds. Buy on the Terms.PROS:
- Instant funding with essentially one rule: a 5% static max drawdown
- No daily loss limit, no minimum trading days, no time limit, no mandatory stop-loss
- Static drawdown means your buffer grows as you profit
- One-time desk fee from about $50, no recurring fees
- Scales from $1k entry to a $1,024,000 account
CONS:
- Terms define the trading as simulated with fictitious funds, despite real A-Book marketing
- Real starting split is 50 percent; 80 percent only at the top scaling level
- Unregulated; not a broker and does not accept deposits
- One of the longest-running prop firms (brand since 2018), built for swing/long-term traders; simulated forex/CFD on MT5 & Match-Trader
- Signature: balance-based drawdown (from closed balance, not floating equity) + no time limits — positions can breathe
- Scaling that doubles the account at each 10% milestone, advertised to $4M (via the funding ladder; evaluations cap ~$200K)
- Offers swap-free Islamic accounts; base split 90% up to 100% at top VIP tier; accepts US traders
- Note: now an offshore/unregulated structure (Comoros/Costa Rica/Dubai), not a UK-regulated broker
★★★★★
More details +City Traders imperium
City Traders Imperium has been paying traders since 2018, which makes it one of the longest-running firms still operating. It is run by City Traders Imperium Limited, licensed in the Comoros Union under number 15969 with an operating address in Costa Rica, and a Dubai company, CTI FZCO, delivering its academy. Four programmes run in parallel: a 1-Step Challenge from $29, a 2-Step from $39, Instant Funding from $79 and Direct Funding from $229, scaling to $2,000,000 per account and $4,000,000 in total funding. The 1-Step is the standout: an 8% target against a 5% trailing drawdown, with no daily loss limit, no time limit, and news trading, third-party expert advisors, martingale, weekend holds and overnight holds all permitted. Very few firms allow all five. First payouts come at 7 days on the challenges and on demand from day 5 on Direct Funding. The firm does not restrict United States residents. Its Trustpilot profile is the healthiest we have verified this month: 4.2 from 1,625 reviews with only 6% at one star and a 100% reply rate to negative reviews. The main thing to watch is Instant Funding, which starts you on half the advertised balance at a 50% share.PROS:
- Trading since 2018 with a named, public founding team and eight years of payouts
- Trustpilot 4.2 from 1,625 reviews, only 6% at one star, and a 100% reply rate to negative reviews
- The 1-Step Challenge allows third-party EAs, martingale, news trading and weekend holds, with no daily drawdown and no time limit
- Entry from $29, the cheapest we have verified this month, with resets at a 15% discount
- Does not restrict United States residents
- Scaling to $2,000,000 per account and $4,000,000 in total funding
- Public live symbols page with bid, ask and spread refreshed every two seconds
- Payouts stated as approved within 24 hours, with an advertised 8-hour average
- Broad payment options including card, PayPal, crypto, Skrill, Neteller and bank transfer
CONS:
- Instant Funding starts at half the advertised balance on a 50% share until the first 10% milestone
- The Anjouan licence is a registration, not financial supervision, and CTI states it is not a broker or investment adviser
- VIP criteria for the 100% profit share are not published on the buying pages
- Only 53 instruments across five asset classes, with no individual stocks
- Martingale and third-party EAs are blocked on three of the four programmes
- Fees are non-refundable except as set out in the refund policy
- The 2-Step carries a 5% daily drawdown that the 1-Step does not
- Dubai (DIFC) prop firm (Finotive Funding Technologies Ltd), operating since 2021; simulated forex/CFD on MT5 & Match-Trader
- Signature: a 10% “strike” soft-breach system — rule breaks cut your next payout to a 10% split rather than closing the account
- Cheap entry (from ~$25), sizes $2,500–$200,000, scaling advertised to $5.4M
- Three families: Challenge, Instant Funding, and Finotive Pro (1% monthly salary + 100% split after 30 days)
- Payouts on demand then ~weekly (Fridays); watch the discretionary “holistic assessment” behind payout reductions
★★★★★
More details +Finotive Funding
Finotive Funding is a Dubai (DIFC) simulated forex and CFD prop firm operating since 2021 on MT5 and Match-Trader. Entry is cheap from about 25 dollars, sizes run 2,500 to 200,000 dollars, and scaling is advertised to 5.4 million. Its defining feature is a 10 percent strike system: rule breaks cut your next payout to a 10 percent split rather than closing the account, though the discretionary holistic assessment behind reductions is its top complaint. The Pro tier adds a 1 percent monthly salary and a 100 percent split after 30 days. Drawdown is static and payouts are weekly on Fridays.PROS:
- Cheap entry and broad instruments (FX, metals, indices, energy, crypto, stock CFDs)
- Forgiving static (non-trailing) drawdown
- Finotive Pro pays a 1% monthly salary, 100% split after 30 days, and refunds the fee
- Weekly Friday payouts, with fast reports from many traders
- Instant funding and 1-step options; scaling advertised to 5.4M
CONS:
- The 10% strike reductions rest on a discretionary holistic assessment (top complaint)
- Instant funding pays a lower base split
- A hard breach closes the account with no refund
- Czech prop firm (Fintokei a.s.) with a large Japan/Asia user base; simulated forex/CFD evals on MT4, MT5 and cTrader
- Signature: a Dynamic Performance Reward — the split slides 50–100% based on four behaviours, recalculated each payout
- Branded the first FX/CFD firm with true Instant Payouts (Aug 2025), auto-approved in seconds
- Three programs (StartTrader 3-step, ProTrader 2-step, SwiftTrader instant); accounts to ~EUR 400k
- Strong ~4.5 Trustpilot; note the split is earned/dynamic and rules were tightened in Jan 2025
★★★★★
More details +Fintokei
Fintokei is one of the more solid, actively-operating firms in this space: a Czech company with a large, loyal Japanese user base, a strong ~4.5 Trustpilot, genuinely fast (often instant) payouts, and a broad three-program line-up. Its Dynamic Performance Reward is a legitimately interesting idea, a split you earn through discipline rather than buy. Buy it knowing the specifics: the accounts are simulated, the up-to-100% split is dynamic and often lower, and rules were tightened in early 2025 for newer accounts.PROS:
- Dynamic Performance Reward: higher splits are earned through discipline, not bought
- Industry-first true Instant Payouts (Aug 2025), auto-approved in seconds
- Strong ~4.5 Trustpilot across a thousand-plus reviews
- Three programs (StartTrader, ProTrader, SwiftTrader) and MT4/MT5/cTrader
- Accounts to about EUR 400,000 with scaling
CONS:
- The up-to-100% split is dynamic and often lower in practice
- Reports of sudden bans for prohibited practices (hedging, copy trading)
- Unregulated; aggressive real-time risk monitoring
- Binding terms name a UAE company (GrowthNext F.Z.E.) as the contracting party; unregulated
- Base 80%; 90% via Scale-Up; 95% is a paid add-on (+25-30% of the fee)
- Up to 3.5% is deducted from EVERY payout - an "80%" split nets about 77%
- Static on Stellar 1-Step, 2-Step and Lite; only Stellar Instant trails
- The 3% max risk rule: a second breach permanently caps you at 1% risk for life
★★★★★
More details +Funded Next
FundedNext is a UAE proprietary trading firm operating through GrowthNext F.Z.E. (Ajman Free Zone), running the Stellar range: 1-Step, 2-Step, Lite and Instant. Per its own disclaimer it is a simulation-based platform. The base profit split is 80% — 90% is reached through the Scale-Up plan, and 95% is a PAID add-on costing 25–30% on top of the challenge fee. A processing fee of up to 3.5% is deducted from EVERY payout, so a nominal 80% split nets closer to 77%. Since 12 January 2026 the 1-Step split starts at 80% rather than 90% — and resetting an older account moves you onto the newer, worse terms. The 1-Step pays on a 5-business-day cycle; the 2-Step's first cycle is 21 days, then 14 thereafter. Minimum payout from 20 USD, and only 2 minimum trading days on the 1-Step.PROS:
- Static drawdown on Stellar 1-Step, 2-Step and Lite
- The 100% fee refund is standard and free (not an add-on)
- Four platforms: MT4, MT5, cTrader and Match-Trader
- Weekend and overnight holding permitted on CFDs
- Payouts from a $20 minimum, targeted within 24 hours
- No consistency rule on standard CFD accounts
- Scaling to 90% and up to a $4m allocation
- Trustpilot 4.5 from over 73,000 reviews, with no consumer alert
CONS:
- A processing fee of up to 3.5% is taken from every payout - an 80% split nets about 77%
- The base split is 80%; 95% is a paid add-on at +25-30% of the fee
- The 3% max risk rule: a second breach permanently caps you at 1% risk for the life of the account
- News-window profits count at 40%, but news-window losses count at 100%
- Payouts are capped at $2,000 per request for most traders
- Stellar Instant uses a trailing drawdown and has no fee refund
Firm comparison
| Firm | Advertised ceiling | Largest single purchase | Documented cap | Can you reach $1M? |
|---|---|---|---|---|
| FTMO | $2,000,000 | $200,000 | $400,000 before scaling | Scaling only |
| Funded Trading Plus | $2,500,000 | $200,000 | $200,000 across two accounts | Scaling only |
| FTUK | $6,400,000 | $150,000 | Not published | Scaling only |
| E8 Markets | $1,000,000 | $500,000 | $4,850,000 | Yes, as two accounts |
| The5ers | $4,000,000 | $100,000 | $40,000 per trader on evaluations | Scaling only |
| Alpha Capital Group | $2,000,000 | $200,000 | $400,000 per household | Scaling only |
| FunderPro | $5,000,000 | $200,000 | $200,000 combined initial capital | Scaling only |
| FundedNext | $4,000,000 | $200,000 | $300,000 | No |
| FundingPips | $2,000,000 | $200,000 | $400,000 including Prime | No |
| OFP Funding | $5,000,000 | $300,000 | $300,000 per its own blog | No |
| FXIFY | $400,000 starting capital | $400,000 | $795,000 across sizes | Scaling only |
| Instant Funding | $3,840,000 | Not published | $1,000,000 starting balance | Scaling only |
| Maven Trading | $1,000,000 | $100,000 | Not published | Scaling only |
| Goat Funded Trader | $2,000,000 | $400,000 | $400,000 | No |
| Blue Guardian | $400,000 | $400,000 | $400,000 on CFDs | No |
| Hola Prime | $4,000,000 | $300,000 | Not published | Scaling only |
| City Traders Imperium | $4,000,000 | $100,000 | $400,000 on 2-Step, $4,000,000 on Instant | Scaling, Instant line only |
| Top One Trader | $5,000,000 | $300,000 | $600,000 per household | Scaling only |
| Think Capital | $600,000 | $100,000 | $600,000, scaling to $1,500,000 | Scaling only |
| Finotive Funding | $200,000 on the homepage | $200,000 | $600,000 purchased, $2,040,000 scaled | Scaling, Challenge and Pro only |
| Rebels Funding | $320,000 | $320,000 | About $640,000 scaled | No |
| Blueberry Funded | $2,000,000 | $200,000 | Not published | Scaling only |
| Axi Select | $1,000,000 | Not for sale, free to join | $1,000,000 at Pro M | Yes, 16 traders so far |
| Quant Tekel, now QT Funded | $300,000 | $200,000 | $400,000 | No |
| Top Tier Trader, now TX3 Funding | Not verified | Not verified | Not verified | Not verified |
| Fintokei | $400,000 | Not published | $400,000 on ProTrader | No |
| BrightFunded | $400,000 | $200,000 | $400,000 in the funded phase | No |
| Aqua Funded | $4,000,000 | $200,000 | $400,000 funded, by merging | No mechanism published |
| AudaCity Capital | $2,000,000 | $200,000 | $240,000 per program | No |
| Get Funded Now | $400,000 | $200,000 | $200,000 | No |
| Lux Trading Firm | $10,000,000 | $1,000,000 for £999 | Five accounts, no dollar cap published | Yes, buy it |
| WeGetFunded | $400,000 on the homepage | $200,000 | $400,000 | No |
| Lark Funding | $200,000 | $200,000 | $200,000 on evaluations | No |
| Ment Funding | $5,000,000 | $1,000,000 for $8,600 | Not published | Yes, buy it |
| Nordic Funder | $1,000,000 | $500,000 | $1,000,000 | Yes, mechanics not published |
| FX2 Funding | $400,000 | $100,000 | $300,000 | No |
| Alpha Trader Firm | $4,000,000 | $400,000 | $4,000,000 | Scaling, about six months |
| BuoyTrade | $1,024,000 | $4,000 | $10,240,000 | Scaling, no timeline published |
Three routes need separate labels
For this category, the selection criterion is a documented path to at least $1 million of permitted allocation. Separate a single seven-figure account, permitted aggregation of smaller accounts and growth from a smaller starting balance. Each route should identify the programme, account currency and whether access depends on passing an evaluation or later performance milestones.
A promotional ceiling without supporting allocation rules is insufficient. If marketing and the rulebook disagree, mark the figure as unresolved rather than selecting the larger number. Limits may apply per trader, strategy, household or product family, so the relevant ceiling is not always the sum of accounts visible at checkout.
Available now is different from available eventually
For a large starting account, record the purchase price and the evaluation attached to it. For aggregation, verify both the number of accounts allowed and the combined cap. Check whether account merging is available and whether copying the same trades across accounts is permitted. Several independent accounts can also require separate payout requests and fee payments.
For a scaling route, show the starting allocation and the milestones before the seven-figure point. The dedicated scaling comparison examines growth beyond that threshold in more detail. A distant upper limit should not be presented as the capital issued after the first challenge.
Measure the million in usable loss allowance
An illustrative $1 million account with a 5% maximum loss allowance begins with $50,000 of total loss room, before considering additional daily, position or trailing restrictions. The account holder does not own the million-dollar label, and cannot treat it as a withdrawable balance.
Check whether position limits allow the strategy to use the larger account proportionately. A nominal increase may not produce an equivalent increase in permitted exposure. Also establish whether withdrawing profit changes the floor or reduces the buffer. The practical value of a large allocation depends on those mechanics and on the conditions under which rewards are paid.
Avoid buying toward an unsupported total
Before paying for multiple challenges, obtain the allocation rule for the exact combination. Confirm whether purchases already held, other programmes and copied strategies count toward the same maximum. A provider offering many account sizes has not necessarily authorised every possible combination.
This category does not suit someone looking for a $1 million cash loan, a personal investment balance or guaranteed purchasing power across several firms. It is also a poor starting point for traders whose strategy has not yet demonstrated that it can work within a smaller account’s limits. Choose the allocation route after establishing the permitted risk and total cost, rather than using the largest available number as the reason to enter.
Million-dollar funding questions
Is the advertised $1 million available as soon as I join?
Identify whether the figure describes a starting account, a combined allocation or a future scaling ceiling. These are different offers. Request the starting amount and the milestones required to reach seven figures, including any minimum review periods, additional purchases or account-combination restrictions.
How much can I actually lose on a million-dollar prop account?
Use the programme’s breach threshold rather than the nominal balance as the risk constraint. For example, a hypothetical 5% maximum loss on $1 million equals $50,000 before considering daily or position limits. The headline allocation is not an amount you are free to lose or withdraw.
Does a seven-figure allocation guarantee a proportionately larger payout?
No. Reward caps, qualifying profit, the split and withdrawal frequency determine what can be received. Ask for a worked payout example at the million-dollar tier. Also establish whether the allocation is simulated and whether the largest advertised account has the same reward conditions as the entry plan.
Can I combine smaller accounts to reach a $1 million allocation?
Only where the provider’s account-combination rules allow it. Check the total allocation permitted per trader, eligible account types and whether balances can actually merge. Five separate accounts can involve different operational restrictions from one million-dollar account, even if their advertised balances add up to the same figure.
What does a provider mean by a million dollars of buying power?
Ask whether the figure describes nominal account balance, leveraged exposure or a conditional allocation. These measures are not interchangeable. Request the actual loss allowance, contract limits and starting balance alongside the headline figure so that the amount of market exposure is not confused with usable risk capital.