Important Notice:
Note: This article applies only to Instant Funding accounts purchased on or after October 8, 2026. If you purchased your account before October 8, 2026, please refer to this article.
Every account at FundingTraders is governed by the rules and standards below. Read them before you place a trade.
Passing an evaluation or booking a profitable week is not enough on its own. How the result was achieved matters just as much as the result itself. Failure to follow these rules may lead to flagged trades, strikes, deductions, restrictions, or account termination, depending on the severity of the violation. Your live status against every rule is tracked in the Clarity Desk inside your FundingTraders dashboard.
Rules and Objectives
Any violation of a hard breach rule or trading objective will result in the immediate termination of the account.
Daily Loss Limit - 3%
Your equity or balance must never fall below 3% of the account size, measured from the higher of the day's starting balance or starting equity. This rule is enforced in real time and includes floating losses from open positions.
Daily Drawdown Calculation
Drawdown Limit: 3% of the account size
Reference Value: the higher of the starting day's balance or equity
If either equity or balance drops below this threshold at any point during the day, the rule is breached and the account is subject to termination.
Example 1: Higher Equity at Start of Day
Balance: $10,000
Equity: $10,500 (open trade in profit)
Reference (higher value): $10,500
Drawdown Limit: $300 (3% of $10,000)
Violation Threshold: $10,500 - $300 = $10,200
Breach: if equity drops below $10,200 at any point, the rule is violated.
Example 2: Higher Balance at Start of Day
Balance: $10,500 (closed trade in profit yesterday)
Equity: $10,000 (currently floating a $500 loss)
Reference (higher value): $10,500
Drawdown Limit: $300 (3% of $10,000)
Violation Threshold: $10,500 - $300 = $10,200
Breach: if balance falls below $10,200 at any point, the rule is violated.
This mechanism enforces discipline and risk management, so traders do not overexpose their capital within a single trading day.
Maximum Loss Limit: 6%
Your current equity or balance must not reach 6% below the account size, measured from the highest recorded account balance. This limit trails until you make 3% profit. Once you reach 3% profit, the maximum loss limit locks at the initial account size.
Example 1:
Account size: $50,000
6% of account size: $3,000
Highest recorded balance: $50,500
Maximum loss level: $47,500
Example 2:
Account size: $50,000
6% of account size: $3,000
Highest recorded balance: $54,500
Maximum loss level: $50,000 (locked at initial size)
Note: The maximum loss limit for Instant Funding accounts does NOT reset upon payout.
Maximum Risk Limit: 1%
You may risk only 1% of the initial account balance. Your floating PnL across all open trades must not drop to -1% of the initial account balance, measured from your current balance.
Example 1:
Initial account balance: $50,000
Current balance: $50,000
1% of initial balance: $500
Maximum floating loss allowed: -$500
Minimum equity before breach: $49,500
Example 2:
Initial account balance: $50,000
Current balance: $52,000
1% of initial balance: $500
Maximum floating loss allowed: -$500
Minimum equity before breach: $51,500
Guidelines
Additional account and trading guidelines.
News Trading
News Holding is included on every Instant Funding account. You can keep positions open through high-impact news events.
What is still restricted: You cannot open or close a position within the 10-minute window around a high-impact (red folder) news event. Opening or closing a trade inside this window will result in account termination.
The 10-Minute Window
5 minutes before the high-impact news release
5 minutes after the high-impact news release
For speech events: from 5 minutes before the speech starts until 5 minutes after it ends
Affected Instruments
All currency pairs linked to the news event are restricted, along with indices tied to the relevant currency's economic news. For example:
US30 is flagged during high-impact US news events
DAX is restricted during EUR-related news events
JPN225 is restricted during JPY-related news events
These instruments are subject to the same news-trading restrictions.
Key point: The open and close restriction applies regardless of when your other trades were opened, the strategy you use, or your intent. Holding through the event is allowed; trading inside the window is not.
Overnight and Weekend Holding
Instant Funding accounts can hold trades overnight and over the weekend, across all instruments including crypto. There is no forced Friday close.
Keep in mind:
Gap risk: Weekend closures can cause price gaps at the next open. Size your positions so a gap does not put your account at risk.
Widened spreads: Spreads may widen significantly around the Asian market open.
Swap rates: Overnight and weekend fees still apply.
Leverage
FundingTraders supports up to 1:50 leverage, with specific ratios for each instrument class.
Instrument | Leverage |
FX Majors | 1:50 |
EURGBP and GBJPY | 1:30 |
FX Minors / Exotics | 1:30 |
Nasdaq (US100 / NAS100) | 1:30 |
Dow (US30) | 1:40 |
DAX (GER30) | 1:30 |
Nikkei (JAP225 / JPN225) | 1:40 |
S&P (US500 / SPX500) | 1:25 |
UK100 | 1:20 |
All other indices | 1:15 |
Metals (Gold / Silver) | 1:20 |
Oil | 1:10 |
Commodities | 1:1 |
BTC | 1:10 |
ETH / SOL / XRP | 1:5 |
All other crypto pairs | 1:1 |
All traders are encouraged to use leverage responsibly.
Commissions
$0 per lot on all instruments. Instant Funding accounts carry no trading commission.
Payout
Payout eligibility requirements and information
Consistency Score: 15%
Your largest profit day must not exceed 15% of your total profits to be eligible for a payout. Partial trades are counted on the day the position is fully closed.
How to calculate
(Highest Trading Day Profit / Total Trading Days PnL) x 100 = Consistency Score
To qualify for a payout, the result must not be greater than 15%. If your score is above 15%, keep trading until you are back within the limit.
How to lower your score
Highest Trading Day Profit / 0.15 = Required Total Trading Days Profit
Examples
Total PnL | Largest day | Score | Result |
$12,000 | $1,800 | 15% | Eligible |
$8,000 | $2,000 | 25% | Not eligible. Needs $13,333.33 total profit |
$6,000 | $900 | 15% |
|
Safety Cushion: 3%
The first 3% profit on your account is a mandatory buffer that protects against a loss limit breach. It is always calculated from the initial account size, not from accumulated profits.
How the cushion works during payouts
When you request a payout, your account is reset to the initial balance plus the 3% cushion, as long as you do not include the cushion in your withdrawal. You can keep trading while your payout is processed.
Important: Requesting a payout that includes the 3% cushion will close your account. The payout itself will still be processed and completed.
Minimum Profit for Payout: 3.5%
You can request a payout once your balance is at least 3.5% above your initial account size: the 3% safety cushion plus 0.5% withdrawable profit.
Example on a $100,000 account
Safety cushion: $3,000 (3%)
Minimum withdrawable profit: $500 (0.5%)
Minimum balance to request a payout: $103,500
Payout Schedule: On-Demand
On-Demand Payouts are included on every Instant Funding account. There is no fixed payout cycle. Request a payout any time you meet all payout rules:
Consistency Score of 15% or lower
Balance at least 3.5% above your initial account size
3% safety cushion kept in the account
No open positions or pending orders
Requests are processed as soon as eligibility is confirmed. Activity flagged for review may delay processing.
A payout is only valid if you have not violated any trading rule or the signed terms of use.
Profit Split: 100%
Every Instant Funding account comes with a 100% profit split. You keep all of the profit you withdraw.
Payout Process
1. Go to the Payouts tab. Open your dashboard, click Payouts, then click "Request Payout".
2. Enter your 2FA code from your authenticator app.
3. Confirm via email. Click the confirmation link sent to your registered email.
4. Choose your payout method, Rise or Crypto, enter the required details, then click "Request Payout".
Select your preferred payout method, Rise or Crypto, enter the required details, then click "Request Payout" to submit.
5. Final confirmation. You will receive an email confirming your request. Track its status under Payouts, in the Pending tab.
To monitor the status of your request, go to your Payouts dashboard and select the Pending tab.
Payout Methods
Method | Processing time | Minimum payout |
Rise (bank transfer) | 24 to 48 hours, excluding weekends | $200 |
Crypto (USDT-ERC20 via Coinbase Commerce) | 24 to 48 hours, excluding weekends | $50 |
Sign up for Rise at https://pay.riseworks.io/auth/register Crypto payouts are available only if Rise is not an option.
Notes
All positions and limit orders must be closed before you request a payout.
Payouts are subject to the minimum thresholds for your chosen method.
Refund Bonus: 200%
Every Instant Funding account includes a 200% Refund Bonus. When you receive your qualifying second payout, you get back twice the fee you paid for your account.
Example: If you paid $297 for your account, your second payout includes your profit plus a $594 refund bonus.
How it is paid
Card payments: refunded to the card you used to purchase.
Crypto payments (USDT-ERC20): refunded to a USDT-ERC20 address. We will email you for the address after your payout notice.
Important notes
The refund bonus is issued once, with your second payout.
Accounts purchased before May 8, 2026 do not receive a refund bonus.
Make sure your original payment method is still valid at the time of payout.
If it has expired, contact support to arrange an alternative.
Account Reset While Your Payout Is Processed
When you request a payout, your account automatically resets to the initial balance plus the 3% safety cushion, as long as the cushion is not included in your request. You can keep trading while your payout is processed.
If your account fails within 48 hours of a payout request, the payout is denied, the account is reinstated, and the payout amount is credited back to your balance.
How the 3% cushion applies to payouts
The first 3% profit is non-withdrawable. It protects you against the maximum loss limit.
If you leave the cushion out of your request, it stays in the account as protection.
If you include the cushion in your request, the account is closed, because this would breach the maximum loss limit. The payout itself is still processed and completed.