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Building A1, IFZA Business Park, Dubai Silicon Oasis, Dubai, United Arab Emirates

Innovation One Building, Level 2, DIFC, Dubai, United Arab Emirates

Jakub Zeliska

Oliver Newland

2023

2021

200% Challenge fee refund after the 3rd fully approved payout on Challenge accounts (Ash, Thunderbolt and Phoenix). The trader must request it through support. A partially approved payout or a payout with a strategy violation permanently disqualifies that account. It does not apply to Instant Funding accounts.

Full refund if profitable 30 days after funding.

Solo FX: The Dashboard and launch announcement say the fee is refunded after 30 funded days if the account is profitable. Schedule 10A-1 says it is refunded upon approval of the first Reward Payment Request. Finotive's Terms state that the Schedule prevails; confirm with support before purchase.

• Bank Transfer (recommended): $19.90 + 2.49%.
• Cryptocurrency: $19.90 + 30% (higher due to limited UAE crypto liquidity).
• Returned payouts: $30 reprocessing fee (covers real bank/admin cost of reprocessing; not a penalty).

• Withdrawal review by Risk Team: 24-48h (account trading is frozen during review).
• Bank transfers: 2-5 business days after approval.
• Crypto: faster, depends on blockchain network.
• Other programs: minimum 1% profit required per payout (resets after each payout).
• Turbo accounts: minimum 5 trading days per payout (each ≥0.5% profit).
• Vanguard (Instant Funding): minimum 5 trading days per payout (each ≥0.5% profit).
• Horizon and Odyssey: first payout 14 days after the funded account starts, then every 14 days. At least 3% profit of the initial balance is required before each payout, including between payouts, together with the required valid trading days.

First payout on demand

• Standard Challenge, Pro Challenge and Instant Standard: 7 days
• Instant Lite: 14 days
• Solo FX: weekly payouts; first request after 14 calendar days in Simulated Funded Status

Payout cap progresses with each approved withdrawal on the same funded account:

• Payout #1: 1% of initial balance
• Payout #2: 2%
• Payout #3: 3%
• Payout #4: 4%
• Payout #5: 5%
• Payout #6: 6%
• Payout #7: account resets to initial balance with NO payout cap (unlimited from #8 onwards)
  Cap only increases after a FULLY approved withdrawal. Partial or declined payouts do not progress the cap.

$4

• 2-Step Standard, 2-Step Pro: 100:1
• 1-Step Standard, 1-Step Pro: 50:1
• Instant Standard: 33:1
• Instant Lite: 25:1
• Solo FX (main Challenge range): up to 100:1
• Solo FX Launchpad accounts: 33:1 until updated

• 2-Step Standard, 2-Step Pro: 20:1
• 1-Step Standard, 1-Step Pro: 10:1
• Instant Standard, Instant Lite: 5:1

• 2-Step Standard, 2-Step Pro: 10:1
• 1-Step Standard, 1-Step Pro, Instant Standard, Instant Lite: 5:1

• 2-Step Standard, 2-Step Pro: 5:1
• 1-Step Standard, 1-Step Pro: 4:1
• Instant Standard, Instant Lite: 2:1

• 2-Step Standard, 2-Step Pro: 2:1
• 1-Step Standard, 1-Step Pro, Instant Standard, Instant Lite: 1:1

All accounts are swap‑free

Resets are offered as an alternative to full suspension after a rule violation. The account continues trading, but every future payout on that account is permanently capped at 50% of the approved amount.

Funded Stage Refresh

• A refresh can only be requested when your account balance is within 10% of the Maximum Drawdown limit
• Resets your account balance back to the original starting equity
• Preserves your profit split rate and any progress made in the Scaling Plan
• There is a maximum of 3 refreshes per funded account
• The price depends on the size of the account

• Swap Free (price depends on the size of the account)
• Weekend Holding for Instant Accounts (20% of account fee)

• Standard Challenge
• Pro Challenge

Scaling Plan for Thunderbolt and Vanguard accounts:

• Apply every 4 consecutive months via help@upcomers.com.
• +35% increase on simulated initial balance per cycle.
• Maximum allocation scalable up to $4,000,000.
  Requirements per cycle:
• ≥15% cumulative account growth across the 4 months.
• ≥2 withdrawals completed in the 4-month period.
• Final cycle must end in profit.
  Separate "4M on request" individual contract available after 6+ consecutive profitable months.

Every 90 days, traders who meet performance and consistency targets see their account balance grow by 30% and their profit split increase by 5%, without ever having to sacrifice withdrawals.

More detail about it can be found on this link

• Standard Challenge
• Pro Challenge

Current CFD programs use two systems:

• Dynamic Risk Shield™: 6% on Ash and Thunderbolt, 10% on Phoenix Legacy, 8% on Vanguard, 5% on Oracle and 4% on Ember. It trails the equity high-water mark and locks at the initial balance where specified.
• Static maximum loss: 6% on Phoenix Classic. The floor is fixed from the initial balance.
  Percentages and behavior are shown per phase in the challenge catalogue.
• Horizon and Odyssey: Dynamic Risk Shield™ follows the highest equity, only moves upward and stops at the initial balance, in evaluation and funded phases.

Static

Standard profit split: 90%. A trader can select 80% or 100% at checkout; changing the split also changes the Challenge price. The selected split remains linked to that account, and older accounts retain their original conditions.

• Standard Challenge: 80% (up to 95% scaling)
• Pro Challenge: 100%
• Instant Standard: 75% (up to 90%)
• Instant Lite: 70% (up to 85%)

Resets daily at 00:00 UTC and is calculated under the rules of each program. Current limits:

• Ash Classic/Turbo and Thunderbolt Classic/Turbo: 3%
• Phoenix Classic: 4%
• Phoenix Legacy: 5%
• Vanguard and Oracle: 4%
• Ember: no daily drawdown
• Horizon: 3% and Odyssey: 4%, in evaluation and funded.

Balance-based

• Challenge Accounts (Standard): Up to $600,000 in purchased capital, scalable to $2,040,000
• Pro Challenge Accounts: Up to $600,000 in purchased capital, scalable to $2,040,000
• Instant Funding (Standard): Up to $200,000 in purchased capital, scalable to $680,000
• Instant Funding Lite: Up to $200,000 in purchased capital, scalable to $680,000

Classic and Legacy challenges have no time limit. Ash Turbo and Thunderbolt Turbo have 30 calendar days and a maximum of 7 trading days.

No minimum trading days to pass the challenge in any Classic or Turbo program. Turbo challenges require only 1 trading day with real activity. For those programs, minimums apply only at the payout stage: see 'minimumProfitableDays'.
Horizon requires 2 valid trading days in its evaluation. Odyssey requires 2 valid trading days in each evaluation phase. A valid day earns at least 0.5% of the initial balance.

Payout eligibility requirements (a valid day has at least 0.5% realized profit):

• Vanguard, Oracle, Ember, Phoenix Legacy, Ash Turbo and Thunderbolt Turbo: 5 valid days
• Ash Classic, Thunderbolt Classic and Phoenix Classic: no valid-day minimum
  The counter resets after each successful payout.
  Horizon funded accounts require per payout 3 valid days up to $50,000, 4 above $50,000 and below $200,000, and 5 from $200,000. Odyssey funded accounts require 3 below $100,000 and 4 from $100,000. Each valid day earns at least 0.5% of the initial balance.

Minimum profitable days number must be met every time a trader wants to pass an evaluation phase, scale a funded account or request a payout. A day is considered profitable when it reaches at least 0.5% profit

• Challenge 1 Step: 3 days
• Challenge 2 Step: 2 days
• Instant Standard: 0 days
• Instant Lite: 5 days
• Finotive Pro 1 Step: 3 days
• Finotive Pro 2 Step: 2 days
• Solo FX: 4 days with at least 0.5% each

Allowed, including third-party EAs, bots and trade or risk managers, as long as the trading rules are followed. HFT, tick scalping, latency arbitrage, emulators and running the same EA with the same settings as other traders are prohibited.

• Solo FX: all Expert Advisors and automated execution tools are prohibited
• Other programmes: pre-purchased or mass-market “plug-and-play” EAs are not allowed

Not explicitly prohibited, but strongly discouraged. Use of VPN/VPS during KYC/AML verification is prohibited and can result in the account not being funded or being closed. If suspicious activity is detected, VPN usage will be used against the trader in the review.

• Solo FX: VPNs, proxies and location masking are prohibited
• Other programmes: Finotive's Terms prohibit masked or unstable connections when they impair verification of identity, location or account control

Prohibited, also within the same account and across multiple accounts.

• Solo FX: stop loss is not required
• Other programmes: stop loss is required

Accounts with the unified High-Frequency Trading rule active: up to 20% of profit may come from trades held for two minutes or less. The rule becomes active after the first 10 closed trades and is tracked in the dashboard. Exceeding the limit does not generate a strike, but the percentage must return within 20% before requesting a payout.

Solo FX has no specific scalping, rapid-trade-opening, trades-under-60-seconds or HFT restriction. Latency arbitrage and execution abuse remain prohibited.

Multiple challenges and funded accounts combinable under a single user profile, as long as total funded capital does not exceed $1,500,000 across all Upcomers programs.

Maximum loss per trade in the funded phase (all positions on the same instrument and direction count as one trade):

• Ash Classic, Thunderbolt Classic and Phoenix Classic: 3%
• Phoenix Legacy, Odyssey, Vanguard and Oracle: 2%
• Ash Turbo, Thunderbolt Turbo, Horizon and Ember: 1.5%
  Exceeding the applicable limit is a hard breach.

Floating drawdown is calculated per symbol against the initial account balance.

• Instant Funding: 1.5%. The first confirmed breach produces a formal warning. From the second confirmed breach onward, each separate event records one strike and reduces that payout cycle's reward payment to 10%.
• Funded Challenge and Funded Pro: 2%. Each confirmed breach records one strike and reduces that payout cycle's reward payment to 10%.
• Challenge and Pro evaluation phases: 2%. It is monitored for the progression report but does not trigger a real-time strike or account closure.
• Solo FX: 2.5% during Simulated Funded Status only. A confirmed breach records one strike and reduces that payout cycle's reward payment to 10%.

Only between accounts owned by the same person (Upcomers, other prop firms or brokers). Copying to or from other people's accounts and signal services are prohibited.

News trading is allowed. For Solo FX, the Dashboard and launch announcement prohibit news straddling, but Schedule 10A-1 disapplies the Terms section that prohibits it. Confirm this contradiction with Finotive before trading news.

35 consecutive calendar days without a trade closes the account automatically. Warning email sent 7 days before expiration.

30 days

Consistency is checked at payout and does not breach the account:

• 20% Best Day Rule: current Classic, Legacy and Turbo challenges, Vanguard, Oracle and Ember
  The Best Day cycle resets after each successful payout.
• Horizon and Odyssey: no consistency or Best Day Rule in evaluation or funded accounts.

Pro accounts — from the 31st funded day

• Weekly trade count and instrument volume must remain within ±25% of the averages recorded during the Pro Challenge and the first 30 funded days.
• During every rolling 90-day period, realised and unrealised profit, including rewards already paid, must total at least 5% of the initial balance.
• Breaching either condition downgrades the account to the equivalent standard funded account and permanently removes the Pro benefits.

Instant Funding Standard and Lite

• At payout, the single most profitable closed trade must contribute less than 60% of total positive realised profit. Requesting a payout while the condition remains active records one Conditional Strike and reduces that payout cycle's reward payment to 10%.

Solo FX

• No specific consistency rule or single-trade profit dependency.

Weekend holding is available through the optional Weekend Holding Add-On on Instant Funding accounts. Without it, all non-crypto positions must be closed before Friday's 17:00 New York market close; Finotive recommends closing at least 10 minutes earlier. Each confirmed breach records one strike and reduces that payout cycle's reward payment to 10%. Five cumulative strikes permanently close the account.

• Emulators, and running the same EA with the same settings as other traders to produce identical trades.
• Tick scalping (trades held under 2 minutes on Oracle) and high-frequency trading (HFT).
• Martingale, grid trading, one-sided bets, reverse trading and hedging (also within the same account).
• News straddling (bracket orders placed around economic releases).
• Signal services and copying trades from other people's accounts.
• Team/group trading or executing identical trades across accounts to bypass the $1.5M cap.
• Sharing passwords, account access or identity (KYC).
• Exploiting platform bugs, delays or pricing errors.
• Opening multiple user profiles (One Person, One Account policy).
• Splitting trades intentionally to bypass the 20% Best Day Rule.

• Excessive notional volume (not applicable to Solo FX; its exposure is governed by the margin requirement applicable to the account)
• High-frequency stacking, including correlated instruments (not a Solo FX-specific restriction; latency arbitrage and execution abuse remain prohibited)
• Martingale or grid strategies
• News straddling (the Solo FX dashboard and announcement prohibit it, but Schedule 10A-1 disapplies section 7.9; confirm with support)
• Using ultra-tight stops just to mask oversized lots