The short answer
Finotive Funding sells six forex products, from $30 for a $2,500 two-step challenge to $3,275 for a $100,000 instant-funded account. Every account is simulated.
How you pass depends on which of the three families you buy. A Challenge asks for 10% profit in one stage or 7.5% then 5% in two. Instant Funding has no test at all: you trade from the day the account opens. Pro is a challenge with a salary attached. There is no time limit on any of them.
What ends an account is the drawdown, and it does not trail. The maximum drawdown is measured from the balance you started with, so the floor never moves up behind you as you profit. The daily limit resets each day from the previous day’s closing balance. The daily limit runs from 5% on a two-step Pro account down to 3% on Instant Lite.
Once you are funded you keep 80% on a Challenge or Pro account, 75% on Instant Standard and 70% on Instant Lite, and the first request is available on demand once the conditions are met, which on Instant Lite include five profitable days. After that you wait seven days between requests, or fourteen on Instant Lite.
The thing to check before you buy is the payout minimum, because the contract states it twice and the two statements do not agree. Clause 8.3 says a two-step funded challenge account has no minimum at all, and clause 10.3 says the same for a two-step Pro account. Clause 12.3 says every account type has a minimum of 1% of the starting balance. On a $200,000 account that is the difference between asking for any amount and having to reach $2,000 first.
How it works
Three families, six routes. They are different products, not tiers of one. Challenge and Pro are evaluations. Instant Funding skips the evaluation and starts you funded. The table sets out what each route asks for and what it allows.
| Profit target | Daily drawdown | Max drawdown | Profitable days | Split | |
|---|---|---|---|---|---|
| One-Step Challenge | 10% | 4% | 7.5% | 3 | 80% |
| Two-Step Challenge | 7.5% then 5% | 4.5% | 9% | 2 per stage | 80% |
| Instant Standard | None | 3.5% | 7% | 0 | 75% |
| Instant Lite | None | 3% | 6% | 5 | 70% |
| One-Step Pro | 10% | 4% | 8% | 3 | 80%, then 100% |
| Two-Step Pro | 7.5% then 5% | 5% | 10% | 2 per stage | 80%, then 100% |
A profitable day means your balance at 17:00 New York time exceeds the previous day’s closing balance by at least 0.5% of the account’s starting balance, not 0.5% of the balance you are carrying. To pass a stage you also need to hit the target and close all open trades.
The maximum drawdown is static. It is measured against the balance you started with and never moves up as you profit. The daily limit is reset at 17:00 New York time from the previous day’s closing balance. Open positions count: floating losses are included in both the daily and the maximum calculation, so a trade that is down but still open can close the account.
Pro is the one route that pays you for holding it. The split starts at 80% and goes to 100% after thirty funded days, the account accrues a salary of 1% of purchased capital every thirty days, and execution commission is 25% below the standard setting. From day 31 it also carries rules nothing else here does, and they are in the rules section below.
What it costs
One fee, paid once, with no monthly billing on any route. Here is every size of the four routes that sell the full ladder, and what each one costs.
| Account | Two-Step | One-Step | Instant Lite | Instant Standard |
|---|---|---|---|---|
| $2,500 | $30 | $40 | $75 | $150 |
| $5,000 | $55 | $70 | $139 | $275 |
| $10,000 | $100 | $110 | $250 | $500 |
| $25,000 | $225 | $250 | $550 | $1,100 |
| $50,000 | $440 | $450 | $950 | $1,900 |
| $100,000 | $595 | $650 | $1,639 | $3,275 |
| $200,000 | $995 | $1,160 | Not sold | Not sold |
One-Step costs more than Two-Step at every size. The gap is $10 to $25 from $2,500 to $50,000, then widens to $55 at $100,000 and $165 at $200,000. What the extra buys is one stage instead of two.
Pro is priced separately and sells three sizes, all of them large:
| Account | Two-Step Pro | One-Step Pro |
|---|---|---|
| $50,000 | $469 | $514 |
| $100,000 | $744 | $914 |
| $200,000 | $1,484 | $1,799 |
Pro costs more than the standard route at the same size, and One-Step Pro costs more than Two-Step Pro at all three.
Three costs sit outside the table:
- The fee comes back on Challenge and Pro, and it is automatic. Reach funded status, be in net profit on the thirtieth day after, and the fee returns to your original payment method. You do not have to ask, and you do not have to take a payout first.
- Instant Funding does not get that refund. Its fees are final except under the cooling-off rule below.
- Commission and spreads are charged per symbol, in a live table on the firm’s trading-symbols page. There is no single published rate. Pro accounts pay 25% less than the standard setting.
There is also a fourteen-day cooling-off, and it is narrow: no trades placed, no use of the dashboard or platform beyond registration and the steps needed to cancel, KYC completed, and the request sent from your registered email. Clause 14.5 then excludes a refund where the trader “failed KYC”. So a buyer who fails KYC, and cannot use the service at all, also gets no refund unless Finotive decides otherwise or the law requires one.
Finotive also offers a free trial account for trying its dashboard, platform and simulated trading conditions before you buy. It pays no rewards, none of its results carry over to a paid account, and the firm warns it may not include every rule or the exact conditions of the account you go on to buy. Opening extra profiles to get more trials is not allowed. The firm does not say how long the trial lasts, what size it is or whether it needs a card, and it plays no part in the grade.
Platforms and trading conditions
You choose MetaTrader 5 or Match-Trader at checkout, and the price is the same on both. The firm also offers its own Finotive Terminal inside the dashboard, which it describes as having full MT5 integration.
Leverage is set per family, not per size. The table gives the maximum the platform allows on each family, whatever the account balance.
| Program | Maximum platform leverage |
|---|---|
| Challenge | 1:100 |
| Pro | 1:50 |
| Instant Standard | 1:33 |
| Instant Lite | 1:25 |
Leverage is not the only limit. A separate Notional Volume Limit caps the total size of your open positions as a percentage of the account, tiered by size: 5,000% at $2,500 falling to 1,000% at $200,000. The firm states plainly that the two are different things, and that a trade your margin allows can still breach the volume limit. In the Challenge or Pro Challenge phase, breaching it costs a strike and an account reset. On a funded or Instant account it costs a strike and cuts that cycle’s payout to 10%.
You can trade forex, indices, equities, metals, crypto and energy. Holding a non-crypto Instant Funding position over a weekend requires a paid add-on; without it, a non-crypto position still open at the Friday market close at 17:00 New York time is a soft breach.
The rules that matter
Five things decide whether a Finotive account survives and whether the money in it is reachable: which clause sets your payout minimum, why the firm’s own worked example disagrees with its drawdown headings, what five strikes do, what happens to a Pro account on day 31, and a product that exists in the contract but not on the site.
The contract gives two different payout minimums
This is the one finding a buyer should resolve before paying. Clause 8.3, in the section on Challenge accounts, says:
For 2-Step Challenge-Funded Accounts, no minimum Reward Payment Request amount applies and the 1% minimum rule does not apply.
For 1-Step Challenge-Funded Accounts, the minimum Reward Payment Request amount is 1% of the Initial Account Balance, capped at USD 100. This means the minimum required amount is the lower of 1% of the Initial Account Balance or USD 100.
Clause 10.3 repeats that wording for Pro accounts: no minimum on a two-step Pro account, and 1% of the starting balance capped at USD 100 on a one-step Pro. Clause 12.3, four sections later, sets out a table covering all five funded account types, and every row of it reads the same way: “1% of Initial Account Balance. No USD cap applies.” That contradicts four of its own five rows. Only the Instant Funding row is free of the conflict, because clause 9.3 sets the same 1% with no cap.
They do not reconcile, and the gap is largest where the account is largest. On a $200,000 two-step account, challenge or Pro, clauses 8.3 and 10.3 say you may request any amount and clause 12.3 says you must reach $2,000. On a $200,000 one-step account of either kind, 8.3 and 10.3 cap the minimum at $100 and 12.3 puts it at $2,000. Nothing in the contract says which clause wins. Section 1.6 settles conflicts between the terms and the help center, and section 7.1 settles conflicts between section 7 and everything else, but neither addresses a conflict between two clauses of the terms themselves.
The rules page shows the right limit beside the wrong example
Finotive’s trading rules page has a tab for each of the six routes, and each tab prints its own daily and maximum drawdown correctly. Under each one sits a worked example, and the example is the same on all six:
If yesterday’s closing balance was $105,000 and your daily drawdown limit is 4.5%, your equity must not fall below $100,275 during the current trading day.
4.5% is the two-step challenge limit. On the Instant Lite tab the heading says 3% and the example under it calculates 4.5%. The maximum drawdown example does the same thing, quoting 9% on all six tabs where the real figures run from 6% to 10%. A trader who sizes a position off the example instead of the heading would allow themselves half as much room again as the account actually has.
The limits themselves are consistent between the rules page and the contract, which is the part that matters most. It is the illustration that was not updated.
Five strikes close the account
Finotive does not close an account on its first soft breach. It runs a strike system. On a funded or Instant account, a strike reduces that cycle’s payout to 10%. In the Challenge phase, a notional volume strike resets the account instead. Five cumulative strikes close the account permanently with no payout for the cycle, and a breach that would be the fifth strike triggers closure instead of another reduction.
Strikes come from breaching the notional volume limit, from floating drawdown on Instant accounts, and from unresolved warnings at the point you request a payout. On a Challenge or Pro account the count is wiped when you reach funded status, provided you have not already reached five.
Two of those routes carry no real-time alert. During the Challenge and Pro Challenge phases the firm states it will not issue dashboard alerts, email alerts or warning indicators for warning-based and conditional strike rules. The terms say findings on those rules may instead be included in a progression report when you pass the stage. Drawdown, notional volume, targets and profitable days are excluded from that and stay visible.
Pro pays a salary and a 100% split, and can take both away permanently
Pro is the most generous route here and the most conditional. From the thirty-first funded day, your weekly trade count and instrument volumes must stay within plus or minus 25% of the averages you recorded during the challenge and your first thirty funded days, and your top five instruments by volume must stay within 25% of their historical allocation. Separately, within each rolling ninety days you must generate combined realized and unrealized profit of at least 5% of the starting balance, counting reward payments already made.
Breaching either one downgrades the account to a standard funded account of the same size. The 100% split, the salary and the commission discount are removed, and the firm’s wording is that the removal is permanent, not suspended.
The practical effect is that a Pro account rewards trading the same way every week. A trader who finds a good month and doubles their activity breaches the consistency rule; a trader who has a quiet quarter breaches the profitability rule.
The Instant accounts have a consistency rule the site says they do not
The Instant Funding page sells both Instant accounts on “No Consistency Rules” and marks trading consistency “Not Required”. Clause 7.15 of the terms says otherwise, for exactly these two accounts:
This rule applies to Instant Funding Standard and Instant Funding Lite only. A condition is identified where, within a Payout Cycle, the single most profitable closed trade contributes 60% or more of the Trader’s total positive realised profit. […] If the Trader submits a Reward Payment Request while the condition remains active, one (1) Conditional Strike is recorded and the Reward Payment for that Payout Cycle is reduced to 10%. Five cumulative Strikes result in permanent account closure.
The rule is checked when you ask to be paid, though the dashboard may show an indicator earlier. Clause 1.6 puts the terms above any marketing page, so the page’s promise gives you nothing to rely on. If one trade carries most of a cycle’s profit, wait for more trades before you request the payout.
A seventh product exists in the contract and not on the site
Section 10A of the terms sets up a framework the firm calls LaunchPad, for time-boxed product experiments sold from the dashboard, one at a time. The schedule attached to it describes the first: an FX-only two-phase account with a 10% then 5% target, a 10% static maximum drawdown, 1:33 leverage, no expert advisors, four profitable days and a $2.50 round-turn commission.
It carries one term none of the six public routes has: a lifetime cap of $50,000 on the total rewards payable from a single account. The fee is refunded when the first payout is approved.
Finotive’s marketing pages do not list it and the terms do not say whether it is on sale now. What the terms do say is that where the LaunchPad rules conflict with the rules for Challenge, Instant or Pro accounts, the LaunchPad rules win for that account.
Getting paid
You can ask for your first payout on demand, as soon as the account is funded and the conditions are met. After the first approved payment you wait seven days between requests on Challenge, Pro and Instant Standard, and fourteen days on Instant Lite. There is no published maximum on any of the six routes.
The minimum is the unresolved question above. Read one clause and a two-step account, challenge or Pro, has none; read the other and every account has a minimum of 1% of its starting balance.
The split depends on the route and on how long you have held the account. The table shows where each route starts and the most it can reach.
| Route | Starting split | Highest split |
|---|---|---|
| One-Step and Two-Step Challenge | 80% | 95% through scaling |
| Instant Standard | 75% | 90% through scaling |
| Instant Lite | 70% | 85% through scaling |
| One-Step and Two-Step Pro | 80% | 100% after 30 funded days |
Four other things shape what actually arrives:
- Money can land in a Finotive wallet first. Approved payouts are credited to your Finotive Pay balance or another approved payment method, and Finotive Pay runs on its own separate terms, its own KYC and its own supported countries. Moving it out of there is a second step, and the firm says it is not responsible for a delay, fee or restriction that arises at that step.
- Scaling is a real ladder, not a promise. Ninety-day cycles, at least 50 trades, a cap on how much of your profit came from one trade, a 90-day target and profitable months. Meeting it raises the balance by 30% per cycle.
- A strike cuts a payout to 10% for the cycle in which it lands.
- The firm can require you to take a payout. Clause 12.6 lets Finotive make a payout of all eligible profits mandatory, and then reset, suspend, restrict or close the account.
What can end your account
Each of these comes from the firm’s own terms or its published rules:
- Breaching the daily drawdown. Immediate closure, no warning and no strike.
- Breaching the maximum drawdown. Immediate and permanent closure, on the same terms.
- Accumulating five strikes.
- Hedging or holding correlated positions across accounts to manage drawdown or payout eligibility.
- Copy trading, signal services, challenge-passing services or expert advisors you do not genuinely own and control.
- Latency arbitrage, stale-price trading and other execution abuse.
- Straddling news or volatility around red and amber events where the aim is the spike and not a directional view.
- High-frequency trading on Instant Funding accounts above the stated thresholds.
- Thirty consecutive days of inactivity.
- Holding more than one profile, or using third parties to get past the account limits. Challenge and Pro cap purchased capital at $600,000, Instant at $200,000.
Appeals exist and they are narrow: 48 hours from the enforcement action, and only for “clear and demonstrable data, calculation, pricing, or platform-error issues”. Disagreeing with a rule is not a ground of appeal. A general complaint route to a named address sits alongside it with no time limit.
Who can join
Finotive restricts fifteen places, and the list is short because of what is on it. It is Iran and North Korea, the six occupied or disputed Ukrainian territories of Crimea, Sevastopol, Luhansk, Donetsk, Zaporizhzhia and Kherson, then Abkhazia, South Ossetia, Northern Cyprus, Somaliland, Transnistria, Nagorno-Karabakh and the Palestinian Territories.
That is a sanctions and disputed-territory list rather than a commercial one. The United States is not on it. The firm reserves the right to add to the list at any time without notice.
Two other conditions apply. You must be eighteen and able to enter a binding contract where you live. And Finotive contracts with individuals only: it states that it does not onboard companies, partnerships or trusts, and does not pay rewards to corporate accounts.
Who you are dealing with
The contract names the company you sign with, gives its registration number, and then maps the rest of the group without being asked. The table is every entity named and what the terms say it does.
| Company | Where | Role |
|---|---|---|
| Finotive Funding Technologies Limited | DIFC, Dubai, registration 11088 | The company you sign with |
| Finotive One Limited | Not stated | Parent of the group |
| Finotive Markets LLC | Saint Vincent and the Grenadines | May provide or facilitate MetaTrader 5 infrastructure |
| Finotive Markets (MU) Limited | Mauritius | Holds permissions from the Mauritius Financial Services Commission |
| Finotive Pay (CY) Limited | Cyprus, registration HE475209 | Payment agent, and where payouts land first |
Four things follow from that, and three of them favor the buyer:
- The firm says in its own contract that it is not regulated for this. Clause 1.4 states that Finotive Funding does not provide any service requiring authorization by the Dubai Financial Services Authority. A DIFC registration is a commercial registration and confers no financial supervision over the evaluation business, and the contract says so rather than leaving the number to imply otherwise.
- Disputes go to the DIFC Courts under DIFC law, exclusively. That is an English-language common-law commercial court with career commercial judges.
- There is no arbitration clause and no jury waiver, so a trader keeps access to a court.
- Class, collective and representative actions are waived. Clause 22.3 is short: “To the maximum extent permitted by law, disputes must be brought individually and not as a class, collective, representative, or group action.” Prop-firm harm is characteristically many small claims from one event, which is the shape a collective action exists to carry. The waiver runs only as far as the law permits, and the DIFC courts apply their own rules to that question.
Every account is simulated. The firm’s own wording is that all accounts are “demo, simulated, notional, and non-executable” and that activity on them is not placed into live markets.
On third-party sentiment there is no score, and the absence is the finding. Trustpilot published no rating for this firm on 1 September 2026. It carried a warning badge stating that the company’s rating is unavailable due to a breach of the platform’s guidelines, alongside a panel stating that a number of fake reviews had been removed. None of that is evidence about whether the firm pays.
Why this grade
Finotive Funding’s trading limits and company paperwork hold up, so the main cost is rule fairness, where a reward you have been paid can be taken back if Finotive later decides you broke a rule. Its payouts and support have no score so far.
| Part and score | The reason |
|---|---|
| Rule fairness (20% of the grade) 53/100 · Fair | Rewards already paid can be reversed later on the firm's own finding of a breach, one soft breach cuts a cycle's payout to a tenth, and the terms can change at any time. |
| Trading conditions (20% of the grade) 82/100 · Good | Every maximum loss is fixed to the starting balance and the typical target is close to it, though the daily limit is half the maximum loss. |
| Company trust (15% of the grade) 77/100 · Good | Only small points come off, the largest for a Funded Trader Agreement the terms refer to but never publish and a legal footer citing another company's contract. |
| Challenge value (15% of the grade) 70/100 · Good | Finotive's cheapest route is the $200,000 Two-Step at $995, which works out to $4.97 per $1,000 of capital. |
| Payout reliability (25% of the grade) Not scored | Finotive's documents read well, but no payout has been independently verified or tested from purchase, so this carries no score. |
| Support (5% of the grade) Not scored | Finotive's support has not been tested yet, and neither has any other firm's, so responsiveness is unscored. |
Finotive Funding · what the record shows before you start
From the facts we hold for Finotive Funding: published profit splits range from 70% to 80% by account; payouts on demand on 5 of its 6 products, every week on Two-Step Challenge; entry from $30 (Two-Step Challenge, $2.5K account); we hold 28 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 B- (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.
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Our verdict
Finotive publishes a better-drafted contract than most buyers will ever read, with a real court, a refundable fee and a drawdown that does not trail, but the same contract states the payout minimum twice in two different ways and nothing in it says which version applies.
Best for
- Traders who will read a contract before buying and want one that names the company, the group and the court.
- Traders who want a static floor. The maximum drawdown does not trail on any route.
- Traders who trade at a steady weekly rhythm and want Pro’s salary and 100% split.
Avoid if
- You need to know your payout minimum before you pay. Ask the firm in writing which clause governs, and keep the answer.
- You trade in bursts. Pro’s consistency rule measures weekly activity against your own averages from day 31.
- You want a published commission rate to model. Costs are per symbol in a live table.
Questions traders ask
Is Finotive Funding legit?
Is the money real?
How long until I get paid?
What is the minimum I can withdraw?
What happens if I fail?
Is my country restricted?
Facts checked: 9 October 2026 against first-party sources. No payout independently verified.
