The short answer
Audacity Capital is a forex prop firm that lets you choose how you get to a funded account. The Ability Challenge is a two-step test for traders who prefer to take it slower, from $49 for a $5,000 account up to $200,000. Ability One is a single-phase test from $69, up to $100,000. The Funded Trader Program (FTP) skips the test, from $119 for $5,000 up to $50,000. All three trade on MetaTrader 5 or DXtrade.
The Ability Challenge gives you room: phase one allows a 15% maximum loss, fixed to the starting balance, and 7.5% a day, with no time limit, and you may hold trades overnight and over weekends. The split starts at 75% on both Ability programs and can reach 90%, and FTP pays up to 80%. Ability accounts pay every two weeks, the first payout 14 days after your first funded trade.
Two things to watch. The news rule is written two ways: the Knowledge Center blocks trading 3 minutes either side of major news, while the Funded Trader Program terms bar the events outright and want exposure cleared 30 minutes before. And the Terms prohibit negative reviews posted without what the firm calls a valid basis, at the risk of your account and legal action.
How it works
Each program sets its own path to a funded account. Here is how the three run, and the next section puts them side by side at one account size.
- Ability Challenge (Two-Step): a 10% target in phase one and 5% in phase two, at least 4 trading days in each phase, and no time limit. The loss limits tighten after phase one and stay at 5% a day and 10% overall once funded.
- Ability One (One-Step): one phase with a 10% target and at least 3 trading days, under a 3% daily and 6% maximum loss.
- FTP (Instant Funding): no test. You start on the funded stage, can ask for a payout each time you reach 10% profit after at least 5 trading days, and the account doubles at each target.
- Ability daily limits are fixed for the day at rollover, from the higher of your balance or equity. The maximum loss is fixed to the starting balance.
- FTP’s daily floor sits at 95% of the day’s highest equity, and it never moves down until the reset at midnight server time.
Which Audacity Capital plan should you pick?
The three plans are compared below at $50,000, the largest size all three sell. Prices are list prices, before the discount code.
| $50,000 | Ability Challenge (Two-Step) | Ability One (One-Step) | FTP (Instant Funding) |
|---|---|---|---|
| Price | $329 | $399 | $1,299 |
| Fee back | With your first payout, if it is larger than the fee | With your first payout, if it is larger than the fee | No |
| During the evaluation | |||
| Phases | 2 | 1 | None, funded from day one |
| Profit target | 10% ($5,000), then 5% ($2,500) | 10% ($5,000) | None |
| Daily loss | 7.5% ($3,750), then 5% ($2,500) | 3% ($1,500) | No evaluation |
| Maximum loss | 15% ($7,500), then 10% ($5,000) | 6% ($3,000) | No evaluation |
| Minimum trading days | 4 per phase | 3 | No evaluation |
| Once funded | |||
| Daily loss | 5% ($2,500), set at rollover | 3% ($1,500), set at rollover | 5%, trailing the day’s highest equity |
| Maximum loss | 10% ($5,000), fixed | 6% ($3,000) | 10% ($5,000), fixed |
| Split | 75% to 90% | 75% to 90% | 60% to 80% |
| Payouts | Every two weeks, the first 14 days after your first funded trade | Every two weeks, the first 14 days after your first funded trade | At each 10% of profit ($5,000), after 5 trading days |
Same on all three: MetaTrader 5 or DXtrade at the same price, no time limit, and overnight and weekend holds allowed.
- Pick the Ability Challenge if you want the most room and the lowest price. At $50,000 it costs $329, phase one lets you lose up to $7,500, and the fee comes back with a first payout that is larger than it.
- Pick Ability One if you want a single phase and trade small enough to live inside 3% a day and 6% overall. It costs $399 at $50,000.
- Pick FTP if you want to skip the test and will pay $1,299 at $50,000, nearly four times the Ability Challenge, with no fee back and a 60% to 80% split.
Our pick for most traders: the Ability Challenge (Two-Step). It is the cheapest of the three at every size they share, its first phase has the widest loss limits, and the fee comes back with your first payout if that payout is larger.
How much does Audacity Capital cost?
You pay once per account, with no monthly fee, by card, bank transfer, PayPal or crypto. List prices by size, before the discount code:
| Account size | Ability Challenge (Two-Step) | Ability One (One-Step) | FTP (Instant Funding) |
|---|---|---|---|
| $5,000 | $49 | $69 | $119 |
| $10,000 | $79 | $99 | $279 |
| $25,000 | $195 | $249 | $449 |
| $50,000 | $329 | $399 | $1,299 |
| $100,000 | $549 | $699 | Not sold |
| $200,000 | $1,049 | Not sold | Not sold |
The site advertises 14% off all three programs with the code 14th, and gives no end date. With it, a $5,000 Ability Challenge comes to $42 and a $200,000 one to $902. One table on the Funded Trader Program page gives the FTP entry fee as from $199, while the account picker and the checkout charge $119 for $5,000. Three more things about price:
- The fee comes back only on the Ability programs, with your first payout, and only if that payout is larger than the fee. FTP fees are not refunded.
- No activation fee on the Ability Challenge. The firm says the one-time challenge fee is the only cost. It does not say either way for Ability One, and for FTP says only “One payment, no recurring charges.”
- FTP accounts are swap-free and commission-free.
Free trial
Audacity also runs a free trial that asks only for a name and email, with no card and no ID and no code: a demo of $5,000 to $200,000 on MetaTrader 5 or DXtrade. The trial page says it stays open while you keep trading and is removed after six months without a trade, while the Knowledge Center says a trial lasts 30 days from creation and you can open a new one straight away. It has no profit targets or drawdown rules, so it is practice on the platform rather than a rehearsal of the challenge, and it pays nothing and cannot qualify you for funding. Discount codes are for the paid challenges, and the trial does not count toward the grade.
Platforms and trading conditions
Audacity Capital offers MetaTrader 5 and DXtrade, and US residents can trade only on DXtrade. The platform you choose does not change the price.
- Forex is traded as spot; indices and commodities as CFDs. The instrument list covers forex pairs, gold and silver, Brent and WTI oil, and indices. The Funded Trader Program terms allow majors and minor crosses but no exotic pairs, gold as XAUUSD, and the NAS100, DOW30, SP500 and GER30 indices. One Knowledge Center answer also lists cryptocurrencies, under its competition rules.
- The firm’s pages disagree on position size. Its Trading Guidelines say you can open any lot size; its funded trader program page caps each position at 10 lots. Keep each position at 10 lots or under until the firm settles it.
- Overnight and weekend holds are allowed on every program.
- Expert advisors and copy trading are allowed, as long as you copy only from accounts you own.
- VPNs are generally prohibited. A VPS is allowed for your own expert advisors.
The rules that matter
Start with the drawdown and the consistency rule, because those decide whether you pass. The news rule and the day-to-day rules follow.
How the drawdown works on a $100,000 Ability Challenge (Two-Step)
Both limits are fixed, not trailing. In phase one your equity, counting open trades, must never fall below $85,000, which is 15% under the starting balance. In phase two and once funded, the floor is $90,000, 10% under.
The daily limit is 7.5% in phase one and 5% after that. It is set once a day at rollover, from your balance or your equity, whichever is higher, and then stays put for the day. On day one that puts the floor at $92,500. Close a winning trade and the floor does not move until the next rollover. Hold a trade overnight that lifts equity to $104,000, and the next day’s limit is 7.5% of $104,000, so the floor rises to $96,200 even if that trade then gives back its gain.
Ability One is tighter: its test allows a 6% maximum loss, fixed to the starting balance, and 3% a day. On FTP the maximum loss is a fixed 10%, but the daily limit trails your highest equity during the day, as the table above shows.
Consistency: the Terms and the Knowledge Center disagree
The program pages and the Knowledge Center’s main answer say there is no consistency rule. The Terms say otherwise, and they are the document that can fail you:
The two documents disagree on consistency. The Knowledge Center says there is no consistency rule in place. The Terms carry a Consistency Clause, unnumbered and with no stated threshold, requiring consistency in trade length and lot size in order to pass the minimum trading days, and its worked example, one 15-lot position on one day against six 0.1-lot positions on six other days, fails the Ability Challenge. Separately, a Consistency Score below 70 can send an account to manual review, and below 50 you must keep trading.
The same Knowledge Center entry that sets out the score says it applies only to free competition accounts, then says the score is measured across every account type. Until the firm settles it, keep your lot sizes and trade lengths similar from day to day, and do not pass on one large day.
News: 3 minutes or none at all
News is the other rule the firm states two ways, and a trader following the Knowledge Center can still break the Terms.
The two documents disagree on news, and the stricter one is the contract. The Knowledge Center says you cannot open, close or add to a position, including a stop or target hit, 3 minutes either side of high-impact news, and that every FOMC event counts. The Funded Trader Program terms say something else entirely: “The trader is NOT allowed to trade major events including: NFP, interest rates decisions, Central banks speeches etc., all exposure must be cleared 30 minutes before the events.” Read literally, that bars the events rather than timing them, and clears the window ten times earlier. Trade to the 3-minute rule and you may still be outside the agreement you accepted.
Rules to know before you trade
Two more rules decide how you can trade day to day:
- Keep every trade open for at least two minutes. The FAQ sets that minimum and says shorter trades may bring action from the Risk Team, and the prohibited practices treat entering and exiting within roughly two minutes as tick scalping. This matters most if you scalp.
- Keep a funded account active. Clause 2.2 of the Terms ends a funded account after one consecutive month without trading. The Knowledge Center says six months, on all stages of all three programs. Neither says what counts as trading activity, so neither says whether a single 0.01-lot trade keeps the account open. Plan for the shorter period.
Getting paid: how does Audacity Capital pay out?
Ability accounts pay every two weeks, and you can ask for the first payout 14 days after your first trade on the funded account. On FTP a payout opens each time you reach 10% profit. The Instant Funding pages say the first one needs at least 5 trading days, while the firm-wide FAQ says 14 days after your first live trade. The smallest withdrawal is $20, the first one needs an identity check, and the Knowledge Center gives processing as up to 2 to 3 working days on one page and 3 to 5 business days on another. The split starts at 75% on both Ability programs and can reach 90%; FTP pays 50% to 80%. In full, by program:
| Program | Split | When you can withdraw |
|---|---|---|
| Ability Challenge (Two-Step) | 75% below 10% profit, 85% if you withdraw more than 10% profit within 30 days, up to 90% after two account doublings with consistent profit over 10% | 14 days after your first funded trade, then every two weeks |
| Ability One (One-Step) | 75%, then 85% at 10% profit or more, up to 90% through the scaling plan | 14 days after your first funded trade, then every two weeks |
| FTP (Instant Funding) | 50% to 80%, by account size, stage and time taken to reach the target | At each 10% of profit, after 5 trading days and a 1 to 3 working day risk review with no trading |
One comparison row on the Funded Trader Program page shows up to 90% on all three programs; the FTP table in the Knowledge Center stops at 80%. Also:
- Payouts go by bank transfer (SWIFT or SEPA), PayPal, USDC on the Ethereum network or Rise.
- A breached account gets no payout, even if it is in profit.
- Scaling doubles Ability accounts after three months of 2.5% monthly profit and a withdrawal, and FTP accounts at each target, up to $2 million.
What FTP pays on a $5,000 account
You must make $500 before a payout. On stages 1 to 5, reach it in under 30 days and you keep 60%, or $300; take longer and you keep 50%, or $250. The account then doubles to $10,000 for the next stage. Later stages pay more for the same 10% target: 60% or 70% on stages 6 to 8, and 70% or 80% on stages 9 to 10.
What can end your account
These rules can end an Audacity Capital account. Each comes from its own Knowledge Center and Terms:
- Letting equity, open trades included, fall below the daily or maximum loss floor.
- Trading major news. The Knowledge Center puts the window at 3 minutes either side; on FTP, the Funded Trader Program terms prohibit the events outright and require exposure cleared 30 minutes ahead.
- Tick scalping of 2 minutes or less, HFT, grid trading, martingale or adding to losing positions.
- Third-party EAs, copying other traders or letting someone else trade the account.
- Inactivity: the Terms say one month on a funded account; the Knowledge Center says six months.
- Negative reviews without what the firm considers a valid basis.
- Failing the Consistency Clause. The Terms say uneven trade length and lot size can fail the Ability Challenge, and the risk team may judge consistency on a trader’s style.
Who can join
Audacity Capital names five places where its services are not available, and adds two limits:
- Restricted: the United States (except through DXtrade), Syria, Iran, North Korea and Venezuela, as the Knowledge Center lists them. The site footer puts it more loosely: services are not available where restricted, “including but not limited to Syria, Iran, and North Korea”, which leaves the list open.
- Each program is capped at $200,000 of accounts per trader. An existing FTP trader may add an account as long as the combined size stays at or under $240,000.
- You must be 18 or older.
What Audacity Capital’s agreement says
Five findings from the Terms, the firm’s policies and its site footer are worth reading before you buy: what you may say about the firm, what it may do with your orders, a claim about its review score, your bank’s chargeback route, and which company takes your payment. A note on where the split is written follows them. Where each finding stands with the firm is at the end of this section.
Negative reviews can end your participation
The Terms prohibit “reputational damaging language regarding AudaCity Capital … without a valid basis”, including “posting negative reviews or comments online”. A breach “may result in termination of your participation in the programs and may be subject to legal action.” The Terms do not say who decides what counts as a valid basis.
The clause reads in full:
“Using reputational damaging language regarding AudaCity Capital, whether internal or external, without a valid basis is strictly prohibited. This includes but is not limited to posting negative reviews or comments online. By participating in our programs, you understand that AudaCity Capital values its reputation and will take necessary action to protect it. You further acknowledge that any violations of this provision may result in termination of your participation in the programs and may be subject to legal action.”
Your order is Audacity’s property, and it does not have to fill it
On FTP, the firm also decides which of your orders count. Clause 2.4 of the Funded Trader Program terms says that under no circumstances is Audacity obliged to fill any order, and that it may reject, hold or execute any order at its sole discretion. The clause is quoted below, apart from its last sentence on contractor status. The same clause names your own trading performance as one input to that decision, and nothing in it requires Audacity to tell you which orders it held or rejected.
Clause 2.4 of the Funded Trader Program terms puts every order a trader sends into the firm’s ownership, and leaves the firm free to reject it, hold it or execute it on its own risk view. On a simulated account that is ordinary enough. What the clause does is say so with no exception, and with no obligation running the other way:
“Any order initiated by a trader is the exclusive property of Audacity. The firm retains complete discretion to manage such orders internally or to execute them, based on the company’s overall risk profile and the individual performance of the trader. Under no circumstances is Audacity obligated to fulfil or honour any order. The firm reserves the right to reject, hold, or execute any order at its sole discretion.”
The clause sits in the Funded Trader Program terms, so it covers FTP accounts, the stage the firm sells as funded trading.
The review policy claims a score that is not published
Audacity’s Fake Review Policy says the firm follows the review platform’s guidelines on fake reviews, and ends: “Our TrustScore reflects the genuine, aggregated experiences of our trading community.” When we checked on 1 September 2026, Trustpilot published no TrustScore for the firm, citing a breach of its guidelines, and said it had removed fake reviews. A reader of the policy page is told a score is genuine when there is no score to read.
Refunds and bank disputes
Both programs end the refund right once the account is purchased. Clause 3.2 of each set of terms says you are not entitled to a refund once the service has been started, that is, once the account has been purchased. The Funded Trader Program clause then adds that the fees are non-refundable once the trader has started trading on the account, so its cutoff is stated two ways. Both documents say you may not dispute the charge with your bank.
The bank-dispute sentence is the same in both, at clause 3.2 of the Ability Challenge terms and 3.3 of the Funded Trader Program terms. Chargeback rights come from card scheme rules and, in some places, consumer law, so whether a contract can remove them is for a court; what the sentence does is tell a buyer the route is closed:
“The customer is not entitled to open a dispute for the paid fee with the Customer’s bank or payment service provider as the completion of the purchase entitles the acceptance of the T&C.”
The company that takes your payment is named in a footer
The Terms say they govern services from AudaCity Global LTD in the Comoros. The Dubai company that handles payment, with its license number and address, appears in the site footer and not in the Terms. The footer reads:
“AudaCity International FZCO, registered under license DSO-FZCO 38282 at Dubai Silicon Oasis, DDP, Building A1/A2, Dubai, United Arab Emirates, acts solely as a payment facilitator.”
A Dubai Silicon Oasis free-zone license is a commercial registration. It is not financial regulation.
Where the split is written down
The split figures under Getting paid come from the Knowledge Center and the program pages, and the agreements do not repeat them. Clause 2.1 of the Ability Challenge terms says: “Unless expressly agreed otherwise, you will not be paid any remuneration or profits based on the results of your simulated trading, nor will you be required to pay any losses.” The Funded Trader Program terms say at clause 6.1 that the trader “receives a predetermined percentage of all profits that will depend on the stage of the account, the initial capital purchased and the time taken to reach the target”, and at 6.2 that the trader “is compensated on a profit split basis only”. Neither names a figure.
What Audacity Capital says
We sent the firm the three critical findings and the one material finding in this review, all drawn from Audacity Capital’s own documents. Audacity Capital can reply to us at any time.
Who you are dealing with
Audacity Capital’s Terms and footer name three companies, each with its own role, set out here as the firm’s documents give them.
| Detail | What Audacity Capital’s documents state |
|---|---|
| Provider | AudaCity Global LTD, registration 15850, Mutsamudu, Anjouan, Comoros |
| License shown | International Brokerage and Clearing House license L15850/WL |
| UK office | 25 Cabot Square, London |
| Payment facilitator | AudaCity International FZCO, Dubai Silicon Oasis, DSO-FZCO 38282 |
| Payment partner | Propmetry Limited, Limassol, Cyprus, HE469039 |
| Chief executive | Karim Yousfi |
- The About page calls Audacity “a London-born proprietary trading firm” founded in March 2012.
- The Terms say trading “is not real”, while the Knowledge Center says Live phase traders trade “with live funds in live markets”.
Trustpilot is not publishing a rating for this firm. Checked first-party on 1 September 2026, the profile carries two notices, quoted as they appeared:
“This company’s rating is unavailable due to a breach of our guidelines”
“We’ve removed a number of fake reviews for this company”
As of 1 September 2026, Trustpilot does not say what the breach was, so neither do we, and no aggregate rating is published. The profile still shows a star distribution, 60% at five stars, and that figure should not be read as a score: it is the arithmetic of a profile whose own platform has withheld the rating and says it removed fake reviews from it.
Why this grade
Audacity Capital’s weakest ground is rule fairness, where its Terms cut against its own guidance and a single risk breach costs you your profit; fixed loss limits and a reasonably priced route keep the rest steady. Neither payout reliability nor support counts yet.
| Part and score | The reason |
|---|---|
| Rule fairness (20% of the grade) 36/100 · Weak | The Terms contradict the firm's own guidance on news trading and idle funded accounts, any risk-rule breach forfeits profit, and you can be removed with no reason and no refund. |
| Trading conditions (20% of the grade) 78/100 · Good | Every maximum loss is fixed to the starting balance and the typical target sits just above it, held back by a daily limit half the maximum loss and two platforms. |
| Company trust (15% of the grade) 75/100 · Good | The main deduction is a ban on negative reviews made without a valid basis, backed by removal and legal action; the fee-dispute and footer-company points are small. |
| Challenge value (15% of the grade) 74/100 · Good | A $200,000 Ability Challenge at $902 with the current discount code is the cheapest way in, $4.51 for each $1,000 of capital. |
| Payout reliability (25% of the grade) Not scored | No Audacity Capital payout has been followed from purchase to withdrawal and no independent record has been checked, so payouts carry no score yet. |
| Support (5% of the grade) Not scored | Audacity Capital's support has not been put to a test, and none has been run on any firm, so this stays unscored. |
Audacity Capital · what the record shows before you start
From the facts we hold for Audacity Capital: profit split 90% on Ability Challenge and Ability One, 80% on Funded Trader Program (Instant Funding); payouts every 2 weeks; entry from $49 (Ability Challenge, $5K account); we hold 15 rules on record for this firm. This summary is assembled from the canonical record, not from the firm's marketing.
Read the full summary
The current grade is C+ (preliminary) under methodology firm-grade-v1.2.0. Preliminary means the letter rests on what we have read so far and no payout has been tested yet, so it can move as verification completes.
Thanks. Logged for the next editorial pass.
Our verdict
Audacity Capital is a forex prop firm with three routes to funding, priced from $49, and its two-step test has the widest loss limits of its three plans. What it does less well: the split starts at 75% on the Ability programs, scalpers face a two-minute minimum hold, and its own documents disagree on news and consistency. It fits badly if you scalp, trade the news, or want to be free to post a negative review.
Best for
- Traders who want room in the test. Phase one of the Ability Challenge allows a 15% maximum loss and 7.5% a day, with no time limit.
- Swing traders who hold overnight and over weekends.
- Traders who want to skip the test. FTP starts at $119 for a $5,000 account.
- US traders who use DXtrade.
Avoid if
- You close trades inside two minutes.
- You trade major news or FOMC events. The firm’s own two rules on this do not agree.
- You want to be free to review the firm honestly.
- You want a high split from your first payout. Both Ability programs start at 75%, and the Ability Challenge pays 85% only on a withdrawal of more than 10% profit within 30 days.
Questions traders ask
Is the fee really refundable?
What profit split will I get?
When would I get paid?
Am I eligible?
Can US residents join?
Which company am I dealing with?
What if I stop trading for a while?
Facts checked: 9 October 2026, against Audacity Capital’s Knowledge Center, Terms and site.
