Finotive Funding Review

Three programs, each with a one-time fee. The Challenge comes in 1-Step and 2-Step versions from $2,500 to $200,000: the 2-Step costs $30, $55, $100, $225, $440, $595 and $995, the 1-Step $40, $70, $110, $250, $450, $650 and $1,160. Instant Funding skips the evaluation, in Standard ($150 to $3,275) and Lite ($75 to $1,639) versions from $2,500 to $100,000. Pro is a 1-Step or 2-Step challenge at $50,000, $100,000 or $200,000 ($469 to $1,799) that pays a monthly salary once funded.

The 2-Step Challenge and 2-Step Pro need 7.5% in Phase 1 and 5% in Phase 2; the 1-Step Challenge and 1-Step Pro need 10%. Instant Funding has no target. Daily and maximum drawdown are 4.5% and 9% on the 2-Step, 4% and 7.5% on the 1-Step, 5% and 10% on 2-Step Pro, 4% and 8% on 1-Step Pro, 3.5% and 7% on Instant Standard, and 3% and 6% on Instant Lite. There are no time limits.

Every drawdown is static and measured from the starting balance, so it never trails your profits. Both limits count open equity and floating losses. The daily limit runs per trading day, from 17:00 to 16:59 New York time. Separately, a floating loss on any one symbol may not exceed 2% of the starting balance on Challenge and Pro accounts, or 1.5% on Instant Funding.

Finotive counts profitable days, not trading days: a day counts when the balance at 17:00 New York time closes at least 0.5% of the starting balance above the previous day's close. You need 2 per phase on the 2-Step Challenge and 2-Step Pro, and 3 on the 1-Step Challenge and 1-Step Pro. Instant Funding Standard needs none; Instant Funding Lite needs 5 before a payout.

Not on the Challenge or Instant Funding. Pro has one once funded: from day 31, your weekly trade count and the volume you trade per instrument must stay within 25% either way of your own averages from the Pro challenge and the first 30 funded days, and you need 5% profit in every rolling 90 days. Breaking it downgrades the account and removes Pro benefits for good. Instant Funding has a profit concentration check: under 60% of profit from one symbol in one direction before a payout.

News trading is allowed on every account. Only news straddling is banned, meaning offsetting positions placed to catch the volatility, from 15 minutes before to 15 minutes after red or amber Forex Factory events, earnings and major geopolitical events. Challenge and Pro accounts can hold over the weekend. Instant Funding accounts must close non-crypto positions by Friday 17:00 New York time unless you buy the Weekend Holding add-on.

On Challenge and Pro accounts, on demand as soon as the account is funded. On Instant Funding Standard, as soon as you have eligible profit; Instant Funding Lite needs 5 profitable days first. After the first payout you can request again every 7 calendar days, or every 14 on Instant Lite. The minimum request is 1% of the starting balance on Instant Funding, 1% capped at $100 on 1-Step accounts, and nothing on 2-Step accounts. All positions must be closed when you request.

Reward payments go into Finotive Pay, Finotive's own wallet, which pays out every Friday. Finotive Pay balances can also buy new accounts with the FINOTIVEPAY code, which takes 25% off and adds 5% capital. A payout requested while one of the conditional rules is active, for example the high-frequency rule, is cut to a 10% split for that cycle.

Challenge accounts start at 80% and reach 95% through scaling, Instant Funding Standard 75% (up to 90%), and Instant Funding Lite 70% (up to 85%). Pro starts at 80% and moves to 100% after 30 funded days while Pro status is kept. Scaling adds 30% to the balance per 90-day cycle with at least 50 trades and 10% to 15% profit depending on the program, up to $680,000 per Challenge or Pro account and $340,000 per Instant account.

Funded Pro accounts earn a salary of 1% of the purchased capital for every 30 days, so $1,000 a month on a $100,000 account. It accrues daily from the day the account is funded and is paid monthly while Pro status is kept. Salary already accrued is still paid if the account is later lost to a drawdown breach or strikes, subject to KYC and compliance checks. Pro accounts also pay 25% less commission.

Challenge and Pro fees are refunded automatically, to the original payment method, if the funded account is in net profit on the 30th day after it was funded. You do not need to have taken a payout. Instant Funding fees are generally non-refundable, except under Finotive's cooling-off policy before you trade or where the law requires a refund.

MT5 or Match-Trader, chosen when you buy, with accounts provided through Finotive Markets, Finotive's sister broker. You can trade forex, metals, energies, indices and crypto, which trades 24/7. Leverage is up to 1:100 on Challenge accounts, 1:50 on Pro, 1:33 on Instant Funding Standard and 1:25 on Instant Funding Lite. Commission is $5 per lot on forex, $6 on metals and energies, 0.06% on crypto and nothing on indices; Pro pays $4 on forex, $5 on metals and 0.045% on crypto.

Expert advisors are allowed if you developed, own and control them, and Finotive may ask you to prove it. Trade copiers are allowed for copying your own trades between accounts, including from another broker or prop firm. Hedging or offsetting positions across accounts is prohibited, even when you own all of them. Also banned: latency arbitrage, revenge trading, gambling-style risk, more than 20% of profit from trades held under 2 minutes, and more than 20% of profit from trades opened and closed between 21:00 and 22:59 UTC.

A limited LaunchPad experiment: a 2-Step FX-only challenge from $12.50 for $2,500 up to $600 for $200,000, sold for 14 days or until its allocation runs out, five accounts per customer. It has 10% and 5% targets, a 5% daily and 10% maximum static drawdown, 4 profitable days per phase, raw spreads with $2.50 commission, 1:33 leverage, an 80% split and no news, HFT or consistency rules, but EAs and VPNs are banned. The first payout comes 14 days after funding, then weekly.

Finotive Funding Technologies Limited, a company registered in Dubai's DIFC (Innovation One Building), runs the prop firm. Accounts are hosted through Finotive Markets LLC (St Vincent and the Grenadines) and Finotive Markets (MU) Limited, part of the same Finotive One group. Traders from Iran, North Korea, the Palestinian Territories and several disputed territories cannot sign up.