Finotive: Information and detailed review

The company and the nature of the accounts

Finotive Funding is the trading name of Finotive Funding Technologies Limited, registered in the Dubai International Financial Centre under company number 11088. Its terms place the relationship under DIFC law and courts. Finotive Markets and Finotive Pay sit in the wider Finotive One ecosystem, but they are separate services with their own terms; Finotive Funding itself is not the broker or a deposit-taking business.

Every evaluation and funded account is simulated, notional and non-executable. Finotive does not place these trades in live markets, and the balance is neither client money nor capital held for the trader. “Funded”, “profit split” and “payout” are commercial shorthand: legally, eligible simulated profit can generate a contractual Reward Payment. The environment can still reproduce spreads, slippage, gaps, latency and platform interruptions, none of which turns it into live trading or automatically creates a refund claim.

This distinction matters because the company can hedge or analyse aggregate simulated exposure internally without giving the trader any interest in that activity. It can also change platforms, symbols, margin or risk controls. The terms outrank the website, dashboard tooltips, support, chatbot and help articles; Section 7 takes priority for trading rules.

Account range and progression

Challenge and Instant Funding

The standard range has one-step and two-step Challenges. The one-step route uses a 10% target and three profitable days; the two-step route uses 7.5% and 5% targets with two profitable days in each phase. A profitable day means the balance at 17:00 New York time is at least 0.5% above the previous trading day's close. Reaching the target is not enough: positions must be closed and Finotive can review the account before progression.

Instant Funding Standard and Lite skip the evaluation, but not the controls. Standard starts with a 75% Reward Split, requires no profitable days and moves to a seven-day cooldown after the first approved payment. Lite starts at 70%, requires five profitable days and uses a fourteen-day cooldown. Both remain subject to drawdown, exposure, behaviour, KYC and payment review from the first trade.

There is also a Free Trial for learning the dashboard and simulated environment. It cannot reach funded status or generate a Reward Payment, and none of its trades, balance or statistics transfer to a paid account.

Pro accounts

Pro also comes in one-step and two-step versions with the same targets and profitable-day structure as the corresponding Challenges. Its benefit is not an immediate 100% split. It starts at 80% and reaches 100% after 30 funded days only while Pro status is retained. Selected commissions are lower: for example, forex is USD 4 per lot and metals USD 5, versus USD 5 and USD 6 on standard accounts.

From funded day 31, weekly trade count, total volume and the allocation between the five most-traded instruments and the remainder must stay within 25% of the averages established during the evaluation and first 30 funded days. Each rolling 90-day period must also produce at least 5% in realised plus unrealised profit. Breaching either requirement downgrades the account permanently to the equivalent standard funded Challenge and removes the salary, 100% split and other Pro benefits.

Pro includes a salary entitlement equal to 1% of purchased capital per rolling 30 days. It accrues daily but is paid monthly, subject to KYC, compliance and payment availability. Accrued salary can survive closure caused solely by drawdown or five strikes, but Finotive may withhold it after fraud, prohibited conduct, misuse, chargeback, sanctions or another serious breach. It is therefore a conditional benefit, not guaranteed income. One seven-day trading break can be booked per rolling 90 days with at least 72 hours' notice.

LaunchPad and Solo

LaunchPad is a limited product-testing programme, not a discount section. Only one experiment is sold at a time, with its own purchase window and aggregate allocation. Existing accounts keep their product rules after sales close, while Finotive may graduate, revise or retire the concept for future buyers.

Submitting feedback is voluntary and does not affect progression or payments. A buyer whose substantive feedback is approved can receive a single-use 50% coupon that normally cannot be stacked with another promotion.

The first experiment, Solo, is a two-phase, FX-only evaluation with 10% and 5% targets. It was launched for fourteen days or until USD 20 million of simulated allocation was sold, with a maximum of five accounts per trader. Availability must be checked in the dashboard because the public documents do not state the opening date or remaining allocation.

Solo trades raw-spread FX at 1:33 with USD 2.50 round-turn commission and an 80% split. Gold, other metals, indices, energy, shares and crypto are excluded. In exchange, Solo removes its own restrictions on news, HFT, scalping, low-liquidity trading, profit concentration, consistency and mandatory stop losses. EAs and automated execution remain prohibited, and VPN or location masking is forbidden. Standard prohibitions such as latency abuse, third-party copying, loss-recovery oversizing and inactivity still apply.

Overnight and weekend holding are allowed on Solo. Its legal schedule says standard Notional Volume does not apply and exposure is governed by margin at 1:33, but the help article simultaneously says the normal tiered Notional Volume table applies. Finotive has not reconciled those two instructions.

Solo has 10% static maximum drawdown and 5% static daily drawdown in both phases and funded status. Funded accounts add a 2.5% per-symbol floating threshold: a breach produces a strike and reduces that cycle's Reward Payment to 10%, while the fifth funded strike closes the account. The schedule requires four 0.5% profitable days, but neither it nor the help article says clearly whether that is per phase, funded cycle or both. The article itself is published with a “pending confirmation” note. The strike article is likewise unfinished about challenge-stage triggers and whether reductions stack. Those are material gaps to clarify before buying Solo.

Drawdown, exposure and strikes

Hard limits

Maximum Drawdown is static against the initial balance; it does not trail upward with profit. Daily Drawdown runs from 17:00 New York time to 16:59:59 the next day and is measured against the previous trading day's closing balance. Both calculations include open equity and floating losses. Touching either limit is a Hard Breach with immediate closure, no warning and no strike.

The per-symbol Floating Drawdown is separate. On Instant accounts, 1% can trigger a reminder and the first confirmed 1.5% breach produces a formal warning; each later qualifying event adds one strike. During Challenge and Pro evaluation the threshold is 2%, but it is reported after progression rather than enforced through a live warning or strike. Once those accounts are funded, a confirmed 2% breach creates a strike and reduces that payout cycle to 10%. Only one strike can arise per trade-and-instrument combination.

Notional exposure and enforcement

Notional Volume limits total open exposure independently of platform margin. The percentage falls as account size rises: the published maximum exposure ranges from USD 125,000 on a USD 2,500 account to USD 2 million on a USD 200,000 account. A trade can fit the platform's buying power and still breach this rule, so the dashboard calculator matters more than the headline leverage.

A Notional Volume breach creates an immediate strike. During evaluation it also triggers a reset; if the account is below break-even, that reset waits until the balance recovers. In funded or Instant status it reduces the relevant Reward Payment to 10%. Strike history clears when a Challenge or Pro account first becomes funded, but then carries across payment cycles. Five cumulative strikes cause permanent closure and cancel the payment for that cycle rather than paying the reduced 10%.

Some rules are conditional rather than immediate. Scalping is flagged when at least 40% of closed trades last 120 seconds or less, or those trades generate at least 20% of positive realised profit. Instant accounts also flag one winning trade that supplies at least 60% of positive profit. One-sided concentration begins after ten closed trades when at least 70% of trades or exposure is in the same symbol and direction. Liquidity abuse is measured when at least 20% of realised profit comes from trades both opened and closed inside the stated low-liquidity windows. The trader can repair these ratios before requesting payment; submitting while the condition remains active records a strike and cuts that cycle to 10%.

These conditional warnings are not normally shown in real time during Challenge or Pro evaluation. They can instead appear in the progression report after a phase is passed, while hard drawdown, notional exposure, targets and profitable-day requirements remain immediately effective.

Trading behaviour and operational restrictions

News, sessions and access

News trading is permitted when it represents a genuine directional view. What is prohibited on the standard range is straddled, offsetting or equivalent correlated exposure within fifteen minutes before or after red or amber events, earnings or geopolitical events when designed to harvest volatility. Solo expressly disapplies that rule and allows news without a blackout window.

Trading the Asian session is not banned. The liquidity rule looks at how much profit is generated by trades both opened and closed inside defined windows; merely operating in that session is not itself a breach.

Instant accounts prohibit non-crypto weekend holding unless the add-on is active; positions must be flat by Friday at 17:00 New York time. Crypto availability remains platform-dependent. Thirty consecutive calendar days without a trade counts as prohibited inactivity and can lead to permanent closure and rejection of a linked payment request.

Tools and prohibited patterns

Own-account copying is allowed, including from an external broker or prop firm, only when the trader genuinely owns and controls the master, strategy and decisions. Third-party signals, shared masters, account managers and challenge-passing services are prohibited. EAs are allowed on the standard range only when genuinely developed, owned and controlled by the trader, and Finotive may demand a demonstration or proof. Hedging or offsetting across accounts to manipulate exposure, coordinating with other traders, latency arbitrage, stale-price exploitation and swap-free misuse can all lead to review or closure.

HFT has a specific rule on Instant accounts: it can be triggered when at least 30% of ten or more closed trades last under 60 seconds, or when five consecutive trades are each opened within ten seconds of the preceding one. After a realised loss closes, opening at least twice the confirmed losing volume on the same instrument triggers a Risk Review rather than an automatic strike. The reference resets at 17:00 New York time and at the end of the payout cycle unless a combined position remains open.

Reward Payments, scaling and refunds

Payment process

The first Reward Payment is on demand once the account is funded, profitable and otherwise eligible. Later requests generally use seven-calendar-day cooldowns for Challenge, Pro and Instant Standard, and fourteen days for Instant Lite. All positions must be closed. KYC, Finotive Pay access, profitable-day requirements, Section 7 compliance and any review must also be clear. Finotive can delay, reduce, reject, reverse or reclaim a payment when a later review finds a breach, fraud, payment issue, sanctions concern or system error.

The initial splits are 80% for Challenge and Pro, 75% for Instant Standard and 70% for Instant Lite. Challenge can scale to 95%, Standard to 90% and Lite to 85%; Pro reaches 100% after 30 funded days rather than through the same mechanism. Finotive Pay can offer bank, crypto, Revolut and other methods, but availability, fees and supported jurisdictions can change. Its public payout page says wallet withdrawals are processed on Fridays, so “instant” describes the transfer into Finotive Pay, not necessarily the final withdrawal to the trader.

Finotive can also require a mandatory request for all eligible simulated profit and then reset, suspend, restrict, close or review the account. Promotional, affiliate and event codes normally cannot be stacked, and a discount changes the purchase price rather than the account rules.

The trader is responsible for declaring and paying any taxes or reporting obligations arising from payments, salary, refunds or other benefits; Finotive does not provide tax advice.

The current terms contradict themselves on minimum requests. Sections 8.3 and 10.3 say two-step Challenge and Pro have no minimum, while one-step accounts use the lower of 1% or USD 100. Section 12.3 instead says every account, including both two-step products, requires 1% with no dollar cap. Help articles repeat both versions. This cannot be resolved from Finotive's own documentation and should be checked in the dashboard before planning a withdrawal.

Scaling, allocation and recovery options

Scaling works in rolling 90-day cycles and is discretionary. Challenge requires at least 50 trades, no single trade above 7.5% of net profit, two profitable months out of three and a 12% target for one-step or 10% for two-step. Instant requires 50 trades, no trade above 5%, a 15% target and all three months profitable. Pro uses the 5% single-trade ceiling, three profitable months and 12% or 10% targets. Each approved cycle adds 30%. Per-account scaled ceilings are USD 680,000 for Challenge and Pro and USD 340,000 for Instant. Across accounts, Challenge and Pro each allow up to USD 600,000 purchased and USD 2.04 million scaled, while Instant Standard and Lite each allow USD 200,000 purchased and USD 680,000 scaled.

An Account Refresh is a paid restart for an eligible active funded Challenge or Pro account before maximum drawdown, with up to three on funded Challenge accounts where offered. Rapid Reset is different: it is a time-limited dashboard offer after an eligible two-step account has ended. It can restart Phase 1 at 40% off the standard undiscounted price, preserve completion of Phase 1 and restart Phase 2, or restore funded status. Progress, profits, payment cooldown, scaling and increased split normally do not carry over, and the original breach remains on record.

Here the documentation conflicts again. The Rapid Reset FAQ first says it creates a new account, while the legal definition and Section 8.7.3 say it reactivates the same account and normally retains the identifier and credentials. A separate FAQ on Funded Recovery agrees with the contract. The terms control, but Finotive should remove the contradictory wording.

Fee refunds

Challenge and Pro fees are refunded automatically to the original payment method only if the trader reaches funded status and remains in net profit on funded day 30. Instant fees are generally non-refundable. A fourteen-day cooling-off request is possible only before trading and before using the dashboard or platform beyond what is reasonably needed to cancel, and it still requires completed KYC. Third-party payment, failed KYC, breach, account delivery or trading can exclude a refund.

Solo has its own contradiction: the legal schedule refunds the fee when the first Reward Payment is approved, whereas its help article says after 30 funded days. The schedule expressly replaces the standard refund, so the first-approved-payment wording has contractual priority. Solo's first request waits fourteen days, later requests are weekly, and lifetime cumulative rewards are capped at USD 50,000.

Identity, platforms and reviews

Only individuals aged at least 18 can register; companies and corporate payout accounts are not accepted. One person may hold one profile. Payment methods must belong to the trader, and attempting to bypass allocation, discount or eligibility limits through another profile or person can close associated accounts and forfeit unpaid rewards.

The restricted-jurisdiction article currently lists Iran, North Korea, Crimea, Sevastopol, the Donetsk and Luhansk territories and Palestinian Territory. It does not list the United States. Restrictions apply not just to purchase but to location, KYC, dashboard, Finotive Pay and continued access, and can change with sanctions or provider requirements.

KYC can be required before activation, later in the relationship or before payment. Enhanced KYC may demand extra documents, device and payment proof, screen sharing or a recorded verification call, normally within 72 hours. VPNs, proxies, iCloud Private Relay and remote desktops are prohibited when they obstruct identity, location or account-control checks. Calls must be attended personally; an interpreter must be requested at least 48 hours in advance.

Profile and identity details must remain complete and current. Finotive can request new evidence after registration when information, devices, payment ownership or location no longer match.

MT5 and Match-Trader are the currently named platforms. During Manual Review the account may become close-only: existing positions can be managed, but new ones cannot be opened. Reviews can examine trading, devices, IP, payment ownership, KYC and prohibited strategies and may clear the account, impose conditions, delay or reject payment, close it or extend permanent exclusion across the wider Finotive ecosystem. Rule-enforcement appeals must be filed within 48 hours and are limited to demonstrable data, calculation, pricing or platform errors.

Summary: who Finotive suits

Finotive offers unusually broad product choice, static account-level drawdown and a genuine route to higher splits and scaling. It can suit a trader who understands notional exposure, keeps detailed control of per-symbol floating loss and can maintain repeatable behaviour. Pro is attractive only if the trader can reproduce volume and instrument allocation closely enough to retain its benefits; Instant trades away evaluation pressure for tighter risk rules and lower initial splits.

The main drawback is not a single harsh limit but the interaction of many metrics, conditional strikes and reviews. A strategy can stay inside daily and maximum drawdown yet still lose most of a payment through exposure, floating loss, concentration or timing rules. Solo simplifies some behavioural controls, but its published documentation still contains unresolved placeholders and contradictions on strikes, profitable days and refunds. Traders who want a short, fully deterministic rulebook should wait for those gaps to be corrected or obtain written clarification before buying.