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Earn money by buying funding accounts
Get back 10% of your purchase price from Finotive
Stackable with other promotions
Review
General Company Information
Origins and Trajectory of Finotive
Finotive Funding was founded on April 23, 2021, quickly establishing itself in the proprietary trading firm sector. The company began its operations in Budapest, Hungary, and has since expanded its presence, with a registered office currently in Limassol, Cyprus.
Since its creation, Finotive has shown constant evolution, growing from one of the first prop firms to developing a complete and proprietary technological ecosystem by 2024. A testament to its trajectory and reliability is having paid out over $17 million to its traders, a figure that underscores its legitimacy and the success of its business model.
The Integrated Ecosystem: Own Broker and Payment System
One of the most distinctive features of Finotive Funding is its vertically integrated technological ecosystem. The firm operates with its own broker, Finotive Markets, and an internal payment solution called Finotive Pay.
This closed ecosystem structure is a significant strategic decision. By operating its own broker, Finotive Markets, the company exercises complete control over the trading environment, from order execution to liquidity, which they claim to be tier-1. This allows for seamless integration with their dashboard and rule monitoring systems.
On the other hand, Finotive Pay functions as a centralized digital wallet where traders receive their profits. This system is designed to streamline the payment process, allowing for instant transfers from the trading account to the wallet and offering various options for the final withdrawal of funds.
While this integration offers a cohesive and efficient user experience, it also reduces the external validation provided by using a recognized third-party broker. The responsibility of ensuring fair and transparent market conditions falls entirely on the company itself, a factor that experienced traders should consider when evaluating the platform.
Funding Programs: A General Overview
Finotive Funding structures its offer around three main paths, designed to suit different trader profiles, from aspiring traders who need to prove their skills to professionals seeking a long-term collaboration.
- Challenge Accounts: The traditional evaluation model, available in one or two-phase formats, for traders to validate their strategies and risk management.
- Instant Funding: A direct route to trade with funded capital, eliminating the evaluation phase for those confident in their abilities.
- Finotive Pro: An elite program that not only offers a profit share but also a fixed monthly salary, aimed at consistent traders seeking a professional career.
The following table summarizes the main features of each program to help identify the most suitable option.
| Program | Ideal For | Evaluation Process | Profit Split (Initial) | Main Feature |
|---|---|---|---|---|
| Challenge (1 & 2-Step) | Traders looking to demonstrate their skills at a reduced cost. | Yes, one or two phases. | 75% | Refundable fee and scaling plan up to 95%. |
| Instant Funding (Standard & Lite) | Traders who want to avoid evaluations and start earning immediately. | No. | 65%−70% | Immediate access to capital and first payout on demand. |
| Finotive Pro | Professional traders seeking stable, long-term income. | Yes, one or two phases. | 75% (scales to 100%) | Monthly salary of 1% of the account capital. |
Challenge Accounts: Demonstrate Your Talent in the Market
Common Features of Challenge Accounts
Finotive’s Challenge programs are the standard entry point for traders wishing to obtain a funded account. The model requires passing an evaluation phase to demonstrate profitability and proper risk management.
All Challenge programs share a series of attractive benefits. The evaluation fee is refundable with the first profit withdrawal from the funded account. Additionally, traders enjoy great flexibility, as holding trades open overnight and on weekends is allowed. The initial profit split is
75%, with the possibility of increasing it to 95% through a scaling plan that also allows managing capital of up to 1.67 million dollars.
Two-Step Challenge
This model consists of a two-phase evaluation. In Phase 1, the trader must achieve a profit target of 7.5%. Once achieved, they move to Phase 2, where the target is 5%. Throughout the process, the daily loss (5%) and maximum loss (10%) limits must be respected.
| Account Size | Price (Refundable Fee) | Phase 1 Target (7.5%) | Phase 2 Target (5%) | Max Daily Loss (5%) | Max Total Loss (10%) |
|---|---|---|---|---|---|
| $2,500 | $29 | $187.5 | $125 | $125 | $250 |
| $5,000 | $44 | $375 | $250 | $250 | $500 |
| $10,000 | $74 | $750 | $500 | $500 | $1,000 |
| $25,000 | $164 | $1,875 | $1,250 | $1,250 | $2,500 |
| $50,000 | $290 | $3,750 | $2,500 | $2,500 | $5,000 |
| $75,000 | $405 | $5,625 | $3,750 | $3,750 | $7,500 |
| $100,000 | $489 | $7,500 | $5,000 | $5,000 | $10,000 |
| $150,000 | $729 | $11,250 | $7,500 | $7,500 | $15,000 |
| $200,000 | $899 | $15,000 | $10,000 | $10,000 | $20,000 |
One-Step Challenge
For traders who prefer a faster evaluation process, the one-step Challenge offers an alternative. This model consists of a single phase in which a profit target of 10% must be achieved. The drawdown rules are slightly stricter, with a daily loss limit of 4% and a maximum loss of 8%.
| Account Size | Price (Refundable Fee) | Profit Target (10%) | Max Daily Loss (4%) | Max Total Loss (8%) |
|---|---|---|---|---|
| $2,500 | $39 | $250 | $100 | $200 |
| $5,000 | $59 | $500 | $200 | $400 |
| $10,000 | $99 | $1,000 | $400 | $800 |
| $25,000 | $199 | $2,500 | $1,000 | $2,000 |
| $50,000 | $349 | $5,000 | $2,000 | $4,000 |
| $75,000 | $487 | $7,500 | $3,000 | $6,000 |
| $100,000 | $589 | $10,000 | $4,000 | $8,000 |
| $150,000 | $834 | $15,000 | $6,000 | $12,000 |
| $200,000 | $999 | $20,000 | $8,000 | $16,000 |
Instant Funding Accounts: Trade without Evaluations
Key Features of Instant Funding
Finotive’s Instant Funding program is designed for traders who do not wish to go through an evaluation process and prefer to start trading with real capital from day one.
The main advantage is immediate access to a funded account, which allows for generating withdrawable profits from the first successful trade. These models do not apply the profit consistency rule, offering greater freedom in trading strategy. The firm offers two variants: Standard and Lite.
Standard Instant Funding Model
This is the premium option within instant funding. It offers a 70% profit split, weekly payouts, and wider drawdown limits, with a maximum daily loss of 3.5% and a total loss of 7%.
| Account Size | Price | Profit Split (70%) | Max Daily Loss (3.5%) | Max Total Loss (7%) |
|---|---|---|---|---|
| $2,500 | $109 | Fixed | $87.5 | $175 |
| $5,000 | $219 | Fixed | $175 | $350 |
| $10,000 | $389 | Fixed | $350 | $700 |
| $25,000 | $789 | Fixed | $875 | $1,750 |
| $50,000 | $1,599 | Fixed | $1,750 | $3,500 |
| $75,000 | $2,199 | Fixed | $2,625 | $5,250 |
| $100,000 | $2,699 | Fixed | $3,500 | $7,000 |
Lite Instant Funding Model
The Lite version is a more affordable alternative to access instant funding. The profit split is 65%, payouts are processed every two weeks, and the drawdown limits are tighter: 3% daily loss and 6% total loss.
| Account Size | Price | Profit Split (65%) | Max Daily Loss (3%) | Max Total Loss (6%) |
|---|---|---|---|---|
| $2,500 | $59 | Fixed | $75 | $150 |
| $5,000 | $109 | Fixed | $150 | $300 |
| $10,000 | $199 | Fixed | $300 | $600 |
| $25,000 | $449 | Fixed | $750 | $1,500 |
| $50,000 | $699 | Fixed | $1,500 | $3,000 |
| $75,000 | $849 | Fixed | $2,250 | $4,500 |
| $100,000 | $999 | Fixed | $3,000 | $6,000 |
Finotive Pro: Trading as a Profession with a Monthly Salary
Unique Benefits of the Pro Program: Salary and 100% Profit Split
The Finotive Pro program is the firm’s most exclusive offer, designed to turn trading into a sustainable professional career. Its most innovative feature is the inclusion of a monthly salary.
Pro traders receive a salary equivalent to 1% of their account capital each month. This salary accrues daily, meaning that if a trader breaches a rule and loses the account, they will receive the portion of the salary accumulated up to that date.
After 30 days of profitable trading on the Pro account, the trader receives a refund of the evaluation fee and the profit split increases to 100%. This model positions Finotive Pro as a solution to attract and retain consistent long-term traders.
Access to Finotive Pro: Two-Stage Evaluation
To qualify for a Pro account through the two-stage model, traders must pass an evaluation similar to the standard Challenge. The targets are 7.5% in Phase 1 and 5% in Phase 2, with drawdown limits of 5% daily and 10% total.
| Account Size | Price (Refundable Fee) | Monthly Salary (1%) | Phase 1 Target (7.5%) | Phase 2 Target (5%) | Max Daily Loss (5%) | Max Total Loss (10%) |
|---|---|---|---|---|---|---|
| $50,000 | $469 | $500 | $3,750 | $2,500 | $2,500 | $5,000 |
| $75,000 | $624 | $750 | $5,625 | $3,750 | $3,750 | $7,500 |
| $100,000 | $744 | $1,000 | $7,500 | $5,000 | $5,000 | $10,000 |
| $150,000 | $1,119 | $1,500 | $11,250 | $7,500 | $7,500 | $15,000 |
| $200,000 | $1,484 | $2,000 | $15,000 | $10,000 | $10,000 | $20,000 |
Access to Finotive Pro: One-Stage Evaluation
The one-stage access route to Finotive Pro requires achieving a profit target of 10%, with drawdown limits of 4% daily and 8% total.
| Account Size | Price (Refundable Fee) | Monthly Salary (1%) | Profit Target (10%) | Max Daily Loss (4%) | Max Total Loss (8%) |
|---|---|---|---|---|---|
| $50,000 | $514 | $500 | $5,000 | $2,000 | $4,000 |
| $75,000 | $714 | $750 | $7,500 | $3,000 | $6,000 |
| $100,000 | $914 | $1,000 | $10,000 | $4,000 | $8,000 |
| $150,000 | $1,369 | $1,500 | $15,000 | $6,000 | $12,000 |
| $200,000 | $1,799 | $2,000 | $20,000 | $8,000 | $16,000 |
Trading Rules: Parameters for Trading with Finotive
Drawdown Rules: Daily Loss and Maximum Loss
Finotive applies two fundamental drawdown rules. Failure to comply with either of them results in the immediate closure of the account.
The Maximum Daily Loss (Daily Drawdown) is calculated as a percentage of the account balance at the close of the previous day (22:00 CET). For example, on an account with a 5% limit and a closing balance of $105,000, the equity cannot fall below $99,750 during the current trading day.
The Maximum Loss (Max Drawdown) is a static limit calculated as a percentage of the initial account capital. On a $100,000 account with a 10% limit, the equity can never fall below $90,000.
Cash Risk Rules: Total and Per Instrument Risk
In addition to drawdown, Finotive implements a set of “Cash Risk” rules that measure exposure based on the stop-losses of open positions. This system is designed to encourage professional risk management, similar to that of a portfolio manager.
The Total Risk rule limits the combined risk of all open positions to a percentage of the initial capital (e.g., 5% in the two-step Challenge). The Risk per Instrument rule limits the risk on a single asset (e.g., 2.5%).
It is essential to highlight that, once a trader obtains a funded account, these risk limits are halved. This adjustment reinforces the expectation that funded traders operate more conservatively.
The consequences for breaking these rules vary: during the Challenge phase, the trader has two free retries before the account is closed. On a funded account, the violation does not close the account but temporarily reduces the profit split to 10% on the next payout, creating a strong incentive to manage risk properly.
Minimum Profitable Days Requirement
To advance to the next phase, request a payout, or scale the account, traders must meet a minimum number of profitable trading days. A day is considered profitable if the account balance at the close (23:00 CET) is higher than the previous day’s by at least 0.5% of the initial capital.
The requirements vary depending on the program: 2 days for the two-step Challenge, 3 days for the one-step, and 5 days for the Instant Funding Lite.
Mandatory Stop Loss Policy
It is mandatory for every trade to have a stop loss. Finotive offers a 60-second grace period after opening a position to set it.
Innovatively, if a trader does not place a stop loss in time, the account is not closed. Instead, the system automatically applies a “substitute stop loss,” calculated based on the instrument’s average volatility (ATR). This is a safety measure that protects the account without severely penalizing the trader. The firm has also removed the old “Minimum Stop Loss” rule, demonstrating that it adjusts its policies based on community feedback.
Specific Rules for Finotive Pro Accounts (Consistency and Quarterly Target)
Finotive Pro accounts, due to their professional nature and the payment of a salary, are subject to additional rules.
The Consistency Rule requires that the number of trades and the volume traded weekly do not deviate by more than ±25% from the average established by the trader during their evaluation and the first 30 funded days.
The Quarterly Profit Target requires the trader to generate a total profit of at least 5% of the initial capital every 90 days. Failure to comply with either of these two rules results in the Pro account being downgraded to a standard funded account, losing the right to the salary and the higher profit split.
Operational Flexibility: News, Weekends, and Expert Advisors (EAs)
Finotive offers notable flexibility in its operations. Holding positions open overnight and on weekends is allowed on all account types. The official rules pages do not mention any restrictions on trading during high-impact news events, the use of Expert Advisors (EAs), or copy trading, which implies that these strategies are permitted.
Scaling Plan: Power Your Growth as a Trader
Finotive offers a scaling plan that allows traders to increase their capital and their profit split percentage. The mechanism works by exchanging the virtual profits generated in the account for a larger capital.
It is important to understand that the profits used for scaling the account cannot be withdrawn; they act as a reinvestment in the account’s growth. Traders must withdraw any profits they wish to keep before requesting to scale.
For Challenge and Pro accounts, the profit split can progressively increase from the initial 75% to a maximum of 95%. In the case of Instant Funding accounts, the profit split can scale up to a maximum of 75%.
Payouts and Withdrawals: The Finotive Pay System
Withdrawal Process, Frequency, and Times
Finotive’s payment system is centralized through its Finotive Pay platform. When a trader requests a withdrawal, the profits are instantly transferred to their personal Finotive Pay wallet. From there, they can manage the final withdrawal to their external account.
The payout frequency is generally weekly, although for Instant Funding Lite accounts, it is bi-weekly. Withdrawal requests from the wallet are processed on Fridays. One of the most notable features is the “First Payout On Demand,” which allows traders to request their first withdrawal as soon as they meet the minimum trading days requirement, even on their first funded day.
Available Withdrawal Methods
Finotive Pay offers multiple options for withdrawing funds, providing flexibility to traders around the world. The available methods include direct bank transfer, Revolut, and a wide range of cryptocurrencies such as USDT, USDC, BTC, and ETH. The firm has announced plans to add PayPal as an option in the future.
Profit Split Structure
The profit split varies depending on the program and the stage the trader is in:
- Challenge Accounts: Start at 75%, scalable up to 95%.
- Instant Funding: 70% for the Standard model and 65% for the Lite, scalable up to 75%.
- Finotive Pro: Starts at 75% and increases to 100% after the first successful month.
Technical Aspects and Trading Conditions
Available Trading Platforms
Finotive Funding standardizes its operations on one of the most recognized platforms in the industry. All of the firm’s accounts operate through MetaTrader 5 (MT5).7
Broker: Trading with Finotive Markets
As part of its integrated ecosystem, all trades are executed through the company’s own broker, Finotive Markets. This ensures full compatibility with the firm’s dashboard and monitoring systems.
Leverage Offered
The firm offers leverage of up to 1:100 on its accounts, which provides traders with significant market exposure capability.
Commissions and Spreads
Finotive’s cost conditions are competitive. Commissions are around $4 per lot traded for standard accounts and are reduced to approximately $3 per lot for Pro accounts. The firm advertises tight spreads, with an average of around
0.1 pips on pairs like EUR/USD.
Additional Operational Information
Tradable Financial Instruments
Finotive Funding provides access to a wide range of markets, with over 300 instruments available to trade. The asset classes include Forex, precious metals, stock indices, energies, stocks, and cryptocurrencies.
Restricted Countries
Due to regulations and operational restrictions, Finotive Funding does not offer its services to residents of certain countries. The list of restricted countries explicitly includes Iran, North Korea, and the United States of America.
Customer Support Channels
The company offers support to its clients through a help system on its website, where users can find answers to frequently asked questions or submit requests. Additionally, some traders have reported the existence of support through community channels like Discord.
Strengths of Finotive Funding
- Finotive Pro Model with Salary: The unique offer of a fixed monthly salary of 1% of the capital, in addition to a profit split that scales to 100%, is a key differentiator for professional traders.
- Integrated Technological Ecosystem: The combination of a proprietary broker, payment system, and dashboard creates a smooth, fast, and highly controlled user experience.
- Flexible Trading Rules (for non-Pro): The absence of a profit consistency rule and the permission to hold trades overnight and on weekends grant great strategic freedom.
- Fast and Efficient Payment System: The “First Payout On Demand” feature and weekly withdrawals through the Finotive Pay wallet are very attractive to traders.
- Professional Risk Framework: The “Cash Risk” rules encourage disciplined and professional risk management, attracting serious and systematic traders.
- Attractive Scaling Plan: The firm offers a clear and well-defined path for successful traders to increase both their managed capital and their profit split percentage.
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