The real cost of Finotive and Goat Funded Trader

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

The Sotheby Building, Ground Floor, Rodney Village, Rodney Bay, Gros-Islet, SW18 1TA, St. Lucia

Oliver Newland

United Arab Emirates

St. Lucia

2021

2023

Liquidity Providers

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.

Full refund after 4th payout

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

• Biweekly
• Evaluation accounts can be purchased with an add-on to get the first payout On Demand with 40% profit split
• Standard Instant Funding have 'Triple payday' rewards, allowing traders to withdraw profits every 10 days.
• Instant Premium: every 10 days
• Instant HERO: every 14 days
• Instant Daily: first request 24 hours after purchase, then daily.

If the payout takes longer than promised (2 business days), the trader automatically receives an extra $500 reward, guarantee.

Other models: for the first two requests, up to 6% of the initial balance. Instant Daily: up to 3% of the initial balance per request.

$4

Other models: $100. Instant Daily: 1% of the initial balance per request.

• 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

• Evaluation phases: 100:1
• Funded phase: 50:1

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

• Evaluation phases: 20:1
• Funded phase: 10:1

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

• Evaluation phases: 20:1
• Funded phase: 10:1

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

• Evaluation phases: 5:1
• Funded phase: 5:1

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

• Evaluation phases: 2:1
• Funded phase: 2:1

• Evaluation phases: 20:1
• Funded phase: 10:1

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

If you don’t complete a challenge, you can restart it at any time with a 12% discount. You’ll also get a single-use coupon that gives you 10% off any program.

Reset: buy a Reset to continue from the phase where you breached instead of starting over — it issues a new account at that phase (Funded reset gives a new Funded account, no re-evaluation). Available any time, or within 14 days of a breach. Each phase can be reset once. Price is a % of the original Challenge: Phase 1 −7%; Phase 2 +45–50%; Phase 3 +80%; Funded +50–175% (Instant: −7%).

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

• Payout On Demand (+15%)
• 100% Profit Split (+20%)
• Both add-ons (+30%)

• Standard Challenge
• Pro Challenge

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

Static

• 1-Step, 2-Step: Static
• Instant Funding: Trailing
• Instant Premium: EOD high-watermark; not recalculated intraday or downward
• Instant Daily: intraday trailing on peak balance/equity. Locks at the initial balance when reached or at the first payout, whichever comes first; never resets. Withdrawing down to the initial balance breaches the account.

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

Profit split varies by product; see challenges. Add-ons may offer a higher split.

• Instant Daily: base split in the catalogue; 70% on payouts 3 and 4, 80% from payout 5.

Balance-based

Most models: highest balance or equity recorded at end of day (EOD high-watermark).

• Instant HERO: daily starting balance at 5 PM EST.
• Instant Daily: none.

• 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

$400,000 on every country except Pakistan, where the maximum is $50,000

Merging available on eligible accounts. Instant Daily cannot merge with any account.

Other models: unlimited. Instant Daily: account closes automatically after 30 days.

Instant HERO: 6 non-consecutive valid trading days before payout, with at least 0.5% profit each.

• Instant Daily: none.

The GOAT Points Program rewards traders for both purchases and trading activities:

• You earn 1 point for every $1 spent and can gain additional points by completing trading tasks.
• Points are credited instantly and can be tracked in your Trader Dashboard. You can redeem them for valuable perks such as free accounts, extra leverage, increased drawdown, and account size boosts.
• There's no limit to how many points you can earn, and all GFT traders are automatically enrolled.

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

• 3 days with 0.5% profit on all phases of evaluation accounts
• 5 days with 0.5% profit on Instant Funding accounts other than Instant Daily
• Instant Premium: 5 days with 0.5% profit (not necessarily consecutive)
• Instant Daily: no minimum profitable days.

• 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

• 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

• 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.

Funded accounts only: minimum holding time of 1 minute for purchases from 6 October 2026 at 00:00 UTC; 2 minutes for earlier purchases, including their resets. Funded accounts follow the original challenge purchase date. Profits from shorter trades are excluded from payouts; losses still count. This is not an account breach. Evaluation accounts are exempt.

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%.

• Instant HERO: 1% maximum floating loss; breach closes the account.
• The firm may impose a 1% risk-per-trade-idea limit after excessive risk-taking.
• Instant Daily: combined floating loss across all open positions must stay below 1% of the initial balance; touching the limit closes the account.

Allowed between your own GFT accounts only through Goat Copier, GFT's own trade copier: funded to funded, challenge to challenge, and challenge to funded in either direction. Applies to existing and new accounts. Any other trade copier or third-party tool is prohibited, as is copying other traders, or copying between GFT and personal broker accounts or accounts at another prop firm.

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.

Trades opened or closed (manually or by stop loss, take profit or pending orders) within 5 minutes before or after a high-impact news release (red folder on ForexFactory.com or Myfxbook.com) have a maximum profit per trade: 3% of the initial balance on accounts purchased from 10 November 2026, and 1% on accounts purchased earlier. Funded accounts and resets follow the original challenge purchase date. Applies to challenge and funded accounts; only profit above the cap is removed and it is not a breach.

30 days

30 Days

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%.
• Overlapping positions on the same instrument and direction count as one combined position, and partial closures do not create separate positions. There are no one-sided trading limits and volume per instrument is not checked.

Solo FX

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

• Instant Goat: A single day cannot represent more than 15% of your total earnings when requesting a withdrawal.
• Instant Premium: no consistency rule.
• Instant HERO: no single day can represent 15% or more of total profits during a payout period.
• Instant Daily: no daily profit consistency requirement. For payouts, the largest winning trade must be at least the largest losing trade, net of commission/swap; checked since purchase or the last payout. Partial closes count separately.

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.

• 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

• All or nothing
• Exploit broker/platform errors
• Use insider/non-public info
• Front-run other trades
• Excessively risky strategies
• Hedging across accounts
• Third-party EAs/strategies
• Switch strategies post-assessment
• Martingale/grid strategies banned