Finotive Funding is a forex prop firm headquartered at Innovation One Building, Level 2, DIFC, Dubai, United Arab Emirates, and operates under the legal entity Finotive Funding Technologies Limited (Company Number: 11088). Trading platforms are powered by Finotive Markets LLC, which Finotive describes as a Financial Services Commission (FSC) regulated brokerage. The firm states it has a proven record of over 5 years and reports more than $20 million in total payouts across more than 70,000 verified users.
Finotive offers three account model types: evaluation-based accounts (Challenge and Finotive Pro), and an instant funding path (Instant Funding). All accounts operate on simulated capital in real-time market conditions, with payouts drawn from Finotive’s own reserves. The firm is not itself a regulated entity; it does not provide investment services, accept capital deposits, or act as a brokerage.
Finotive does not accept traders from Palestine, North Korea, or Iran. US traders are accepted but trade exclusively on the Match Trader platform.
Account Types & Pricing
Challenge
The Challenge line is Finotive’s evaluation-based path to simulated funded capital, available in 1-step and 2-step formats across seven account sizes. All fees are one-time and non-recurring. The challenge fee is automatically refunded once you reach funded status and remain profitable on your 30th day of funding, provided no hard breach has occurred before that date.
1-Step Challenge fees:
| Account Size | Fee |
|---|---|
| $2,500 | $39 |
| $5,000 | $69 |
| $10,000 | $109 |
| $25,000 | $269 |
| $50,000 | $499 |
| $100,000 | $799 |
| $200,000 | $1,349 |
2-Step Challenge fees:
| Account Size | Fee |
|---|---|
| $2,500 | $29 |
| $5,000 | $49 |
| $10,000 | $89 |
| $25,000 | $209 |
| $50,000 | $449 |
| $100,000 | $699 |
| $200,000 | $1,099 |
Instant Funding
The Instant Funding line skips evaluation entirely: you purchase an account and start trading immediately. Two variants are available: Standard and Lite. All fees are one-time and non-refundable outside of a cooling-off period. An optional Weekend Holding Add-On is available for both variants at 20% of the account fee.
Instant Funding Standard fees:
| Account Size | Fee |
|---|---|
| $2,500 | $119 |
| $5,000 | $229 |
| $10,000 | $439 |
| $25,000 | $969 |
| $50,000 | $1,899 |
| $100,000 | $3,549 |
Instant Funding Lite fees:
| Account Size | Fee |
|---|---|
| $2,500 | $65 |
| $5,000 | $109 |
| $10,000 | $199 |
| $25,000 | $499 |
| $50,000 | $899 |
| $100,000 | $1,449 |
Finotive Pro
Finotive Pro is an evaluation-based account with salary and enhanced profit split mechanics. It’s available in 1-step and 2-step formats across three account sizes ($50,000, $100,000, and $200,000). The challenge fee is refunded on the same terms as the standard Challenge: reach funded status and remain profitable on your 30th funded day. From day one of funded status, Pro traders earn a daily salary equivalent to 1% of their purchased capital per month, paid daily into their Finotive Pay account. After 30 days of funding, the profit split upgrades to 100%.
1-Step Pro fees:
| Account Size | Fee |
|---|---|
| $50,000 | $514 |
| $100,000 | $914 |
| $200,000 | $1,799 |
2-Step Pro fees:
| Account Size | Fee |
|---|---|
| $50,000 | $469 |
| $100,000 | $744 |
| $200,000 | $1,484 |
Challenge Structure
Phase Overview
The Challenge and Finotive Pro programs both follow an evaluation model before granting funded status. The 1-step format has a single phase; passing it moves you directly to a simulated funded account. The 2-step format has two phases (Phase 1: Evaluation and Phase 2: Verification), and you must pass both before reaching funded status. Instant Funding accounts have no challenge stage.
All funded accounts are simulated. Trades are executed in a simulated environment that mirrors live spreads, pricing, and slippage.
Profit Target
Profit targets differ between the 1-step and 2-step paths. For the 2-step path, the target is higher in Phase 1 and lower in Phase 2.
| Account Type | Phase 1 Target | Phase 2 Target |
|---|---|---|
| 1-Step Challenge | 10% | — |
| 2-Step Challenge | 7.5% | 5% |
| 1-Step Pro | 10% | — |
| 2-Step Pro | 7.5% | 5% |
Targets apply uniformly across all account sizes within each account type.
Phase 1 Rules
The rules below apply to Phase 1 for both the Challenge and Pro programs. Where values differ between account types, they’re shown in the table.
| Rule | 1-Step Challenge | 2-Step Challenge | 1-Step Pro | 2-Step Pro |
|---|---|---|---|---|
| Max Overall Drawdown | 7.5% | 9% | 8% | 10% |
| Daily Drawdown | 4% | 4.5% | 4% | 5% |
| Min. Profitable Days | 3 days @ 0.5% | 2 days @ 0.5% | 3 days @ 0.5% | 2 days @ 0.5% |
| Time Limit | None | None | None | None |
| Consistency Rule | Not required | Not required | Required | Required |
The Pro consistency rule requires that weekly trade count and instrument volumes remain within ±25% of the averages recorded during the challenge period and the first 30 days of funding.
Phase 2 Rules
Phase 2 applies only to the 2-step Challenge and 2-Step Pro accounts. The drawdown limits and minimum profitable days requirement are identical to Phase 1 for the same account type. The profit target is reduced: 5% for both 2-Step Challenge and 2-Step Pro. The consistency rule for 2-Step Pro continues to apply in Phase 2.
Drawdown Rules (Challenge)
Drawdown Values
Drawdown limits are expressed as a percentage of your initial account balance and apply uniformly across all account sizes within each account type.
| Account Type | Max Overall Drawdown | Daily Drawdown |
|---|---|---|
| 1-Step Challenge | 7.5% | 4% |
| 2-Step Challenge | 9% | 4.5% |
| 1-Step Pro | 8% | 4% |
| 2-Step Pro | 10% | 5% |
The daily drawdown resets each day at 17:00 New York time, calculated from the previous trading day’s closing balance.
Daily Loss Limit
The daily loss limit is a separate ceiling from the maximum overall drawdown. It’s calculated as a percentage of the previous trading day’s closing balance at 17:00 New York time. Both closed trades and floating (unrealised) losses count toward it. Breaching the daily loss limit is a hard breach resulting in immediate account closure without refund.
Drawdown Calculation Method
Finotive uses a static drawdown method across all account types and stages. The maximum overall drawdown level is fixed against your initial account balance at account creation and does not move regardless of how your balance grows. In practical terms: your equity must not fall below the specified percentage of your initial trading balance at any point.
Drawdown Lock
The static drawdown method means there is no trailing mechanism and therefore no lock point. The drawdown level is set once at the initial balance and remains there permanently.
Funded Account Rules
Drawdown Rules (Funded)
Drawdown Values
The static drawdown values carry through from the challenge stage to the funded stage unchanged. The maximum overall drawdown remains fixed at your initial account balance.
| Account Type | Max Overall Drawdown | Daily Drawdown |
|---|---|---|
| 1-Step Challenge (Funded) | 7.5% | 4% |
| 2-Step Challenge (Funded) | 9% | 4.5% |
| 1-Step Pro (Funded) | 8% | 4% |
| 2-Step Pro (Funded) | 10% | 5% |
| Instant Funding Standard | 7% | 3.5% |
| Instant Funding Lite | 6% | 3% |
Daily Loss Limit
The daily loss limit mechanism at the funded stage is identical to the challenge stage: it resets every day at 17:00 New York time based on the previous day’s closing balance. Both realised and floating losses count toward it. A breach is a hard breach and results in immediate account closure.
Drawdown Calculation Method
Static across all account types and stages. The drawdown level is fixed at the initial account balance and never moves.
Drawdown Lock
Not applicable. Static drawdown has no trailing component and therefore no lock.
Consistency Rule (Funded)
For Challenge accounts (1-step and 2-step), there is no consistency rule at the funded stage. Payouts require only that the minimum profitable days requirement is met in each cycle.
For Finotive Pro accounts, two consistency rules apply throughout funding. First, weekly trade count and instrument volumes must stay within ±25% of the averages established during the challenge and first 30 funded days. Second, a quarterly profit target applies: every 90 days, total realised payouts plus current account balance must add up to at least 5% of the initial account balance. Breaching either rule results in an automatic downgrade to a standard funded account of the same size, with permanent loss of salary and the 100% profit split.
For Instant Funding accounts, there is no consistency rule.
Lot Size Limits (Funded)
Finotive doesn’t apply a traditional fixed lot size cap. Instead, exposure is governed by a Notional Volume Limit (NVL): the maximum total market value of all open positions as a percentage of your account balance. The NVL is tiered by account size and applies across all phases and account types.
Challenge & Pro accounts:
| Account Size | Notional Volume Limit | Max Exposure | Effective Leverage |
|---|---|---|---|
| $2,500 | 5,000% | $125,000 | 1:100 |
| $5,000 | 4,000% | $200,000 | 1:100 |
| $10,000 | 3,000% | $300,000 | 1:100 |
| $25,000 | 2,500% | $625,000 | 1:100 |
| $50,000 | 2,000% | $1,000,000 | 1:100 |
| $100,000 | 1,250% | $1,250,000 | 1:100 |
| $200,000 | 1,000% | $2,000,000 | 1:100 |
Instant Funding Standard & Lite:
| Account Size | Notional Volume Limit | Max Exposure | Effective Leverage |
|---|---|---|---|
| $2,500 | 5,000% | $125,000 | 1:33 |
| $5,000 | 4,000% | $200,000 | 1:33 |
| $10,000 | 3,000% | $300,000 | 1:33 |
| $25,000 | 2,500% | $625,000 | 1:33 |
| $50,000 | 2,000% | $1,000,000 | 1:33 |
| $100,000 | 1,250% | $1,250,000 | 1:33 |
The NVL is calculated per symbol using the net combined effect of all open positions on that instrument. A dashboard calculator updates in real time to show the maximum exposure available before a breach. Each NVL breach during the challenge phase requires the trader to return the account to a positive balance before a reset is issued. During the funded phase, each NVL breach results in the next payout being reduced to 10%.
Leverage
Leverage at Finotive is governed by the NVL system rather than a single stated ratio. The technical leverage settings in MT5 are:
| Account Type | Max Leverage |
|---|---|
| Challenge & Pro | 1:100 |
| Instant Funding Standard | 1:100 |
| Instant Funding Lite | 1:25 |
Leverage may vary depending on market conditions. Finotive recommends checking the account dashboard for current figures, as leverage per asset class is not separately specified beyond these account-level settings.
Profit Split
The starting profit split and progression differ by account type. For Finotive Pro, the split starts at 80% and upgrades to 100% after the first 30 days of funded status, in addition to the 1% monthly salary.
| Account Type | Starting Split | Max Split |
|---|---|---|
| 1-Step Challenge | 80% | 95% |
| 2-Step Challenge | 80% | 95% |
| Instant Funding Standard | 75% | 90% |
| Instant Funding Lite | 70% | 85% |
| 1-Step Pro | 80% → 100% after 30 days | 100% (fixed) |
| 2-Step Pro | 80% → 100% after 30 days | 100% (fixed) |
The split increases by 5% with each scaling cycle (every 90 days), up to the cap.
Payout Rules
First Payout Requirements
The conditions for the first payout depend on your account type. For Challenge and Pro accounts, you must complete the minimum profitable days (MPD) requirement before submitting a withdrawal request. A profitable day counts when your balance at 23:00 CET is at least 0.5% higher than the previous day’s balance. The final required day can be fast-tracked if the profit target is reached and all trades are closed.
| Account Type | First Payout Requirement |
|---|---|
| 1-Step Challenge (Funded) | 3 profitable days at 0.5% |
| 2-Step Challenge (Funded) | 2 profitable days at 0.5% |
| 1-Step Pro (Funded) | 3 profitable days at 0.5% |
| 2-Step Pro (Funded) | 2 profitable days at 0.5% |
| Instant Funding Standard | After first profitable trade (no MPD) |
| Instant Funding Lite | 5 profitable days at 0.5% |
All trades must be fully closed before a payout request is submitted across all account types.
Subsequent Payout Requirements
After the first payout, the same MPD conditions apply each cycle before a new payout request can be submitted.
Payout Frequency
| Account Type | Payout Cycle |
|---|---|
| Challenge (all variants) | Weekly (7-day cooldown between requests) |
| Finotive Pro (all variants) | Weekly (7-day cooldown between requests) |
| Instant Funding Standard | Weekly (7-day cooldown between requests) |
| Instant Funding Lite | Every 14 days |
All payouts are processed every Friday through Finotive Pay. Withdrawal requests from Finotive Pay must be submitted before 23:59 CET on Thursday to be included in that Friday’s payment run.
Payout Buffer
No payout buffer requirement applies.
Daily Progression Rule
No daily progression rule applies.
Payout Caps & Limits
The minimum payout amount is $10 (or equivalent).
Scaling Plan
Finotive’s Scaling Plan reviews eligibility every 90 days from the date your funded account begins. Each 90-day cycle covers three 30-day periods. When you qualify, your account balance increases by 30% and your profit split increases by 5%, up to the cap for your account type.
3-month profit targets to qualify for scaling:
| Account Type | 3-Month Profit Target |
|---|---|
| 1-Step Challenge | 12% |
| 2-Step Challenge | 10% |
| Instant Funding Standard | 15% |
| Instant Funding Lite | 15% |
| 1-Step Pro | 12% |
| 2-Step Pro | 10% |
Monthly consistency requirements:
- 1-Step Challenge and 2-Step Challenge: at least 2 of the 3 months must end in profit
- Instant Funding Standard, Instant Funding Lite, 1-Step Pro, and 2-Step Pro: all 3 months must end in profit
Additional requirements for all account types:
- No single trade can account for more than 7.5% of total profit during the cycle
- Minimum of 50 closed trades per cycle
Scaling balance tiers (applies across all account types):
| Starting Balance | Scale 1 | Scale 2 | Scale 3 | Scale 4 |
|---|---|---|---|---|
| $2,500 | $3,500 | $4,500 | $6,000 | $8,000 |
| $5,000 | $7,500 | $10,000 | $15,000 | $20,000 |
| $10,000 | $15,000 | $20,000 | $25,000 | $32,000 |
| $25,000 | $40,000 | $50,000 | $65,000 | $85,000 |
| $50,000 | $75,000 | $100,000 | $130,000 | $170,000 |
| $75,000 | $115,000 | $150,000 | $200,000 | $260,000 |
| $100,000 | $150,000 | $200,000 | $260,000 | $340,000 |
| $150,000 | $225,000 | $290,000 | $380,000 | $500,000 |
| $200,000 | $300,000 | $400,000 | $530,000 | $680,000 |
Profit split progression by account type:
| Account Type | Progression |
|---|---|
| 1-Step Challenge | 80% → 85% → 90% → 95% |
| 2-Step Challenge | 80% → 85% → 90% → 95% |
| Instant Funding Standard | 75% → 80% → 85% → 90% |
| Instant Funding Lite | 70% → 75% → 80% → 85% |
| 1-Step Pro | 100% (fixed after 30 days) |
| 2-Step Pro | 100% (fixed after 30 days) |
Maximum allocation limits:
| Programme | Max Starting Allocation | Max Scaled Allocation |
|---|---|---|
| Challenge Accounts | $600,000 | $2,040,000+ |
| Pro Accounts | $600,000 | $2,040,000+ |
| Instant Funding Standard | $200,000 | $680,000 |
| Instant Funding Lite | $200,000 | $680,000 |
Total possible scaled allocation across all programmes combined exceeds $5.4 million.
Live Account Pathway
Finotive does not offer a live funded stage beyond the simulated funded account. All accounts operate on simulated capital throughout.
Trading Rules & Restrictions
Permitted Instruments
Finotive supports trading across forex pairs, metals (including gold and silver), energies (including oil), indices, stocks, and cryptocurrency (including BTC, ETH, SOL, and others). There are no instrument restrictions between challenge and funded stages.
Commissions vary by asset class. FX, metals, and energies are charged per lot round-turn (e.g. $5 per lot on EURUSD or XAUUSD on a Challenge account). Crypto is charged as a percentage of position size (e.g. 0.06% on Challenge, 0.045% on Pro). Indices and stocks carry no commission; you only pay the raw spread. Pro account traders benefit from 25% lower commissions than standard accounts.
Trading Hours & Overnight Policy
Trading is allowed at any time, including during quieter market hours. There is no auto-liquidation time or restricted trading window.
Overnight holding is permitted on Challenge and Pro accounts without restriction. Crypto positions can always be held over the weekend on all account types.
For Instant Funding accounts (Standard and Lite), weekend holding of non-crypto positions requires the Weekend Holding Add-On, which costs 20% of the account fee. Without the Add-On, all non-crypto positions must be closed before 17:00 New York time on Friday. Positions are assessed at exactly 17:00:00 New York time; holding beyond this point without the Add-On counts as a soft breach and earns a strike. Finotive sends an automated reminder email one hour before market close if open positions are detected.
Swap charges apply to overnight positions. Swap-free (Islamic) accounts are available, though exploiting swap-free conditions to avoid overnight financing costs is a prohibited practice.
News Trading Policy
News trading is permitted on all account types during both the challenge and funded stages. You can trade freely around high-impact releases such as NFP, CPI, and FOMC announcements. Any losses or drawdown incurred during news events count toward your daily and maximum drawdown limits.
News straddling, which means placing opposing buy and sell positions immediately before a high-impact release to capture a price spike in either direction, is explicitly prohibited across all account types and stages. It’s classified as gambling behaviour. Repeated news straddling is treated as a hard breach and results in immediate account closure.
Expert Advisors & Copy Trading
EAs are permitted provided they’re designed, customised, or coded by the trader themselves. Pre-purchased or mass-market plug-and-play EAs are not allowed, as they don’t reflect trader skill and frequently rely on tactics that violate the rules. Any EA must comply with all applicable rules, including drawdown limits, notional volume limits, and minimum profitable days.
High-frequency scalping and micro-duration trade exploitation (HFT behaviour) are explicitly prohibited.
Latency arbitrage, which involves exploiting delays between price feed updates and actual execution, is strictly prohibited across all stages and account types.
Copy trading between your own Finotive accounts is permitted, provided all copied trades still comply with the applicable risk rules. Copying trades from another trader’s account, using third-party signal services, or using purchased strategies is not allowed. Third-party involvement in your trading, whether through trade managers, signal providers, or account-sharing services, is prohibited unless you have explicit written approval from Finotive.
Prohibited Practices
Finotive explicitly prohibits the following:
- Latency arbitrage and toxic flow exploitation: entering or exiting trades to exploit delays between price feeds and actual execution, or using execution timing to secure near risk-free profits
- News event straddling: placing opposing positions before major news releases to profit from volatility rather than a directional view
- Cross-account hedging and drawdown manipulation: opening offsetting positions across multiple accounts or coordinating trades between accounts to influence performance metrics or avoid drawdown limits
- Unauthorised copy trading and third-party account access: using signal providers, trade managers, purchased strategies, or allowing third parties to trade on your behalf
- Martingale and grid strategies: increasing position sizes after losses or stacking trades in a grid pattern
- Swap-free account abuse: holding positions primarily to benefit from the absence of overnight financing costs rather than for genuine directional trading
- Low-liquidity trading and spread exploitation: systematically trading between 22:00 and 02:00 UTC when more than 20% of total profit is generated during that window
- Bypassing allocation limits: creating duplicate profiles, using false details, or registering through third parties to exceed maximum allocation limits
Breaches fall into two categories. Hard breaches (daily drawdown, maximum drawdown, allocation limit circumvention, reverse trading, and clear manipulation) result in immediate account closure without refund. Soft breaches (NVL, weekend holding without Add-On, floating drawdown threshold on Instant accounts) result in a strike; each strike reduces the next payout to 10%. Instant Funding accounts allow up to 4 strikes, and the 5th closes the account.
Additional Rules
Inactivity: If no trades are opened within 30 days after inactivity warnings have been issued, the account is closed.
Maximum allocation: Each programme has a cap on how much purchased and scaled capital you can hold simultaneously. Challenge and Pro accounts are capped at $600,000 starting allocation each; Instant Funding Standard and Lite are capped at $200,000 starting allocation each. Scaled balances count toward the allocation cap.
Funded account refreshes: Funded Challenge accounts are eligible for up to 3 refreshes. A refresh resets the account balance to the original starting amount while preserving your profit split, scaling progress, and payout history. It can only be activated when your account equity is within 10% of the maximum drawdown level, and it must be purchased through the Trader Dashboard. Refresh fees scale with account size and are typically higher than the cost of a new challenge, because you’re returning directly to funded status without repeating the evaluation.
Instant Funding strike framework: Strikes from all sources, including NVL breaches, weekend holding violations, and floating drawdown threshold breaches, are cumulative. Up to 4 strikes are permitted; the 5th strike closes the account.
Trading Platforms
Available Platforms
Finotive’s primary platform is MetaTrader 5 (MT5), used by all traders outside the United States. US traders trade exclusively on the Match Trader platform, which Finotive describes as offering professional-grade execution and advanced analytics. Both platforms are integrated with the Finotive Dashboard, which provides real-time tracking of profit, drawdown, notional volume, minimum profitable days, and payout eligibility. The Dashboard also includes a Notional Volume Calculator that updates live to show the maximum additional exposure available before a breach.
Billing & Account Management
Fee Structure
All Finotive account fees are one-time payments; there are no recurring monthly charges. For Challenge and Pro accounts, the fee is refunded automatically once you reach funded status and remain profitable on your 30th funded day, with no hard breach prior to that date. The refund is processed separately from payout requests and returned to your original payment method without you needing to request it.
Instant Funding account fees are non-refundable outside of the cooling-off period. If you cancel before accessing the Dashboard or MT5 (beyond basic registration) and meet the cooling-off conditions, a refund may be available, but once the account has been traded, no refund is issued. Currency conversion fees and crypto network charges are the trader’s responsibility in all cases.
Refreshes
Funded Challenge accounts are eligible for up to 3 refreshes per account. A refresh is not a challenge-stage reset; it’s a funded-stage recovery tool. It can only be activated when your account equity is within 10% of the maximum drawdown level (for example, within $1,000 of a $10,000 drawdown limit). Each refresh is purchased individually through the Trader Dashboard.
When a refresh is processed, the account balance resets to the original starting balance. Your profit split, scaling progress, and payout history remain intact. The refresh fee scales with account size and is typically more expensive than purchasing a new challenge, reflecting the value of returning directly to funded status without repeating the evaluation phases.
Payouts & Withdrawals
Payment Methods
All payouts are processed through Finotive Pay, Finotive’s in-house payment platform operated by Finotive Pay (CY) Limited (Company Number: HE475209, registered in Limassol, Cyprus). Once a payout is approved, funds are credited instantly to your Finotive Pay wallet. From there, you can withdraw via:
- Bank wire transfer: direct to any bank account
- Revolut: direct transfer to your Revolut account
- Cryptocurrency: USDT, USDC, BTC, ETH, SOL, and additional options
Finotive Pay can also be used to purchase new accounts (with a 25% discount on the account fee and an extra 5% capital bonus) or to deposit and trade on Finotive Markets. Payment card withdrawals are listed as coming soon.
Processing Times
Finotive Pay processes all withdrawals every Friday. Payout requests approved by 23:59 CET on Thursday are included in that Friday’s payment run. Around 90% of requests are approved within seconds; requests flagged for manual review are resolved within 48 hours, still in time for inclusion in the same Friday cycle.
Once funds reach your Finotive Pay wallet, processing times to your chosen withdrawal method are:
| Method | Processing Time |
|---|---|
| Bank wire | 2–5 business days |
| Cryptocurrency | 1–24 hours |
| Revolut | Near-instant |
Tax & Eligibility Requirements
KYC (Know Your Customer) verification is mandatory for all traders before trading can begin and before any payout can be processed. The standard KYC flow is completed immediately after purchase through the Trader Dashboard using Sumsub, a third-party verification provider. Enhanced KYC (which may include proof of address and a video call) applies in some cases.
Finotive does not deduct taxes from payouts. All payouts are made gross of tax, and each trader is responsible for declaring and paying any taxes owed in their country of residence. Finotive Pay provides transaction records to support local tax reporting.
Restricted Countries
Traders from Palestine, North Korea, and Iran are not accepted. US traders are accepted and trade on the Match Trader platform.