Fintokei: Information and detailed review

Three programs, separated by how many phases you sit

Fintokei's lineup is organised by evaluation length rather than by price tier, and the naming does not make that obvious.

ProTrader is the two-phase route: 8% then 6%, against a 5% daily loss limit and a 10% maximum loss limit.

StartTrader is three phases, not one, and it is the gentlest ladder in the range: 2%, then 3%, then 6%, against a tighter 3% daily and 6% maximum. Smaller steps, less room to be wrong on any of them. It also carries the Dynamic Performance Reward system described below.

SwiftTrader is a single phase and the tightest of all. For accounts bought from 15 July 2026: 6% profit target, a daily loss of no more than -2% calculated from equity, and a maximum loss of -3% from the starting balance. A 3% total allowance is very little room, which is the price of a one-phase evaluation.

The pattern across all three: both the daily and the maximum limit run in parallel at all times, and breaching either one fails the account. There is no "as long as I stay under the total" argument.

ProTrader Swing is ProTrader with one mechanical difference, and it is the one worth understanding before choosing.

ProTrader vs ProTrader Swing: the same limits, measured differently

Both carry an identical -5% daily loss limit and -10% maximum loss limit, and identical profit targets. The difference is when the daily limit is calculated.

ProTrader measures against end-of-day equity — your balance including all open profits and losses at midnight UTC. A position left open across the rollover has its floating PnL baked into the following day's starting point.

ProTrader Swing measures against end-of-day balance instead, which excludes floating PnL. That single word is the whole difference: an open position that is down at midnight does not drag your next-day limit with it, which is precisely what makes holding across sessions workable. And Swing accounts purchased from 15 July 2026 are swap-free: no overnight financing charged or credited, which removes a recurring cost that eats into multi-day strategies elsewhere.

If you close everything before midnight, the distinction never affects you. If you do not, it changes your risk arithmetic every single night.

ProTrader Slim is gone

ProTrader Slim still appears in the help centre but has been discontinued for new purchases since 31 March 2026. It was a JPY-specific product. Existing accounts continue; new ones cannot be bought.

Dynamic Performance Reward: your split is calculated, not fixed

This is Fintokei's most distinctive mechanism and it has no equivalent in most of the sector.

On StartTrader accounts purchased from 19 December 2024, the performance reward is not a fixed percentage. It ranges from 50% to 100%, and the system assigns yours automatically based on how you trade.

The factors it weighs:

• Number of trading days
• How you manage account leverage
• Your track record, measured in number of payouts taken
• How consistent your daily profits and losses are

The consequence is that two traders on identical accounts making identical profit can be paid very differently. A trader who grinds steadily over many sessions with controlled leverage lands near the top of that range; one who spikes the target in three leveraged sessions lands near the bottom.

It reframes what the account is for. Most firms pay you for the profit; Fintokei pays you for the profit and the manner in which you made it.

ProTrader and SwiftTrader have their own reward ratios, published separately per program.

The High-Water Mark decides what counts as new profit

Sitting underneath the reward calculation is a mechanism worth understanding, because it governs what you actually get paid on.

The High-Water Mark is the highest equity your account has ever reached. It updates once per day at the start of the trading day, and it never goes down. Whatever peak you hit stays as the reference.

The one exception: it is recalculated downward when you withdraw a performance reward, since that money has left the account.

The practical consequence is that after a drawdown you are not paid again until you climb back above your previous peak. Recovering losses is not profit. The current end-of-day HWM is shown in your account overview in MyFintokei, and checking it before planning a withdrawal avoids an unpleasant surprise.

Everything recalculates at midnight UTC

The HWM is not the only thing that moves overnight. At exactly 00:00 UTC the system recalculates your core risk metrics for the next session: daily profit resets, the daily loss limit is redrawn against your new reference, and the HWM updates.

MyFintokei shows a countdown to the next recalculation in Account details, which is worth using rather than guessing. If you trade across the rollover, your limits are not the ones you started the session with.

Accounts cannot be merged

Unlike several competitors, Fintokei does not allow merging accounts on any challenge. The stated reasons are technical and accounting: merging would complicate the record and could break future challenge features.

If you are running several accounts to build up allocation, they stay separate permanently. That is worth factoring in before buying multiple challenges expecting to consolidate them later.

Eight free trial accounts before you pay anything

Fintokei gives two free trial accounts per program, which across ProTrader, ProTrader Swing, StartTrader and SwiftTrader adds up to eight in total. Each runs for 14 days.

The content mirrors Phase 1 of the paid plans, so you get the real trading conditions and the real MyFintokei dashboard rather than a stripped-down demo.

Passing a free trial phase does not convert into a funded account: it is for evaluating the product, not a route in. But eight trials across four products is far more generous than the sector norm, and given how narrow the refund window is, it is the sensible way to test before committing.

Risk management is the product, not a constraint around it

Fintokei documents its risk philosophy at unusual length, and the rules only make sense once you read it that way.

The firm states its criterion plainly: it does not judge a trader on a single trade or even a single payout, but on performance over a longer period, across multiple accounts, and under different market conditions, including whether you improve. What it is looking for is a strategy that can be replicated in real markets and builds capital gradually.

That sentence explains every rule below. The unit of assessment is not the account, it is you.

Maximum risk on open trades

Beyond the daily and maximum loss limits, Fintokei monitors the risk carried by your open positions and recommends keeping it between 0.5% and 1% of account equity.

The stated reasoning is survival: at 1% on a $100,000 account you are risking $1,000, and a losing streak does not end your run. This is presented as guidance rather than a hard trigger, but it is the metric the warning system watches, so treating it as optional is a mistake.

Randomness detection, built on 400 million trades

Fintokei states it has processed over 400 million trades and built models to detect trading that resembles randomness rather than skill.

The premise: some patterns are not "trading" in any professional sense. They resemble a coin flip or system exploitation rather than decisions carrying an edge. Individual trades can look perfectly fine while the overall flow reveals no market logic. Random and hedged-arbitrage patterns fall into this category.

This matters practically because it is not a rule you can comply with by checking a box. There is no threshold to stay under: the system evaluates the shape of your entire trading, and a strategy that works by accident can be flagged even with every explicit rule respected.

The warning ladder

Fintokei issues warnings before restrictions in most cases, which is more forgiving than the immediate-breach model common elsewhere. But warnings accumulate across all your accounts, counted since 1 June 2025.

After 3 warnings, you receive a notification explaining what was flagged, you are asked to adjust your strategy, and a stricter maximum risk limit on open trades is imposed on you. Further thresholds bring further restrictions.

The system is designed to correct rather than to eliminate, but the counter does not reset when you open a new account.

Individual consistency restrictions

Beyond the universal consistency rules, Fintokei reserves the right to apply a tailored combination of restrictions to your specific accounts, present and future, based on your observed behaviour.

That is a discretionary power worth knowing about: your rule set is not necessarily the published one if the firm has flagged your pattern.

What is prohibited, and one notable reversal

The prohibited list is defined article by article rather than as a bullet list, and each entry explains the reasoning.

All-in trading is forbidden: opening a single trade or a series of near-identical trades, usually heavily leveraged, aiming to clear the entire profit target in one attempt. The objection is that it is gambling rather than skill, and it contradicts what the evaluation is meant to measure.

Tick scalping is forbidden, defined as opening and closing trades in extremely short intervals, often under 10 seconds, at high frequency. The reasoning is executability: those trades cannot be reliably mirrored in live markets because of execution delay and slippage.

Latency arbitrage is forbidden: using a faster external price feed to front-run execution, profiting from delays in price updates rather than from market direction.

Overleveraging without a strategy is treated as a violation in its own right, not merely as poor practice.

Device sharing is prohibited. Each trader is expected to use their own devices and networks. Two traders logging in from the same physical computer is a violation even when both accounts are legitimately theirs.

Account rolling is treated as gambling. This one catches a strategy many traders consider normal: buying several challenges at once, trading each aggressively, and counting on some of them to pass while the rest blow up. Fintokei names it explicitly as a prohibited pattern rather than a legitimate portfolio approach.

Worth reading alongside the warning ladder, since warnings accumulate across all your accounts. A trader running five challenges recklessly does not get five independent chances; the pattern is visible across the whole profile.

Martingale was un-banned

Worth flagging because it reverses the sector norm. As of 28 July 2025, martingale and aggressive averaging are no longer prohibited.

The stated reasoning is that the existing protections — the maximum risk limit on open trades and the daily loss limit — already contain the excessive risk these strategies create, so a separate ban was redundant.

It remains explicitly "allowed but not recommended". The practice is permitted; the risk limits that make it dangerous are still enforced.

The loyalty program replaced scaling entirely

As of 21 January 2026, the traditional scaling program is retired. There is no longer a path where you wait months and hit rigid profit targets to grow the account.

What replaced it is a gamified progression system, and it is unlike anything else in the sector.

You earn Experience Points (XP) for trading, completing Missions, and engaging with the platform. XP accumulates and pushes you through Tiers, named from Landspeeder up to Singularity Starship. Crossing an XP threshold levels you up instantly.

Each Tier unlocks Boosts, which are permanent benefits:

• Performance reward ratio increases, up to 100%
• Daily and maximum loss limit adjustments
• Capital Scaling Boost, granting up to 25% higher trading capital on newly purchased accounts

The critical detail: Boosts do not apply retroactively. A Boost unlocked today changes the rules of accounts you buy or activate from that moment, not the account you are trading right now. Levelling up mid-challenge does not improve the challenge you are in.

That reverses the usual logic of a scaling plan. Here, progression is earned through activity and then spent on future accounts, which rewards traders who keep buying rather than those who hold one account for a long time.

Payouts

Withdrawals are requested in the MyFintokei dashboard, and KYC must be completed first. Funds go out by wire transfer to any bank account, or wallet-to-wallet, or to a crypto wallet you own.

Instant payouts are available through Walletory, processed wallet-to-wallet within seconds. That is genuinely fast by sector standards, where 24 to 48 hours is the usual promise.

There is a minimum profit per payout, and it scales with the account: 3% of starting capital. On SwiftTrader that means $150 on a $5,000 account, $1,500 on $50,000, $3,000 on $100,000 and $6,000 on $200,000, with the same thresholds in euros. The SwiftTrader reward ratio is a flat 90% for accounts bought from 15 July 2026.

Combined with the High-Water Mark, that sets a real floor on how often you can realistically withdraw: you need 3% of new profit above your previous peak, not 3% of whatever the account is worth today.

There is a point Fintokei makes in its own documentation that is unusual for a prop firm to publish: a trader with two or three payouts is not necessarily a profitable trader. The firm argues explicitly against reading a short payout history as evidence of skill, which is consistent with the Dynamic Performance Reward logic of paying for sustained behaviour rather than for individual results.

Refunds are narrower than they look

The documented policy is specific, and the firm's own materials elsewhere have described it loosely enough to mislead.

A refund is available within 14 days of purchase, and only if you have neither accessed MyFintokei nor placed a single trade. Either action voids it.

In practice that means the refund covers buying by mistake, not trying the product and changing your mind. Log into the dashboard once and the window closes.

Platforms and access

Accounts run on TradingView, MT5 and cTrader. MT4 is no longer offered, despite still appearing on some third-party listings.

Commissions are $3 per side, $6 round trip, per standard lot. They are deducted from the trading account at each order, so they count against your drawdown as well as your profit.

Two exceptions worth knowing: since 11 August 2025, CFD indices (Dow, S&P, DAX, Nikkei) trade commission-free, and so do CFD cryptocurrencies. For an index trader that removes the cost entirely; for a forex trader it does not.

Automated trading through EAs is permitted, with the prohibited-practice list above applying regardless of whether a human or a bot executes.

Fintokei runs a Discord channel and a chatbot called BonsAI for support, publishes an Academy with educational material, and has a corporate entity approval process for traders registering through a company rather than as individuals. SEPA bank transfers are supported for European traders.

Summary: who this firm suits

Fintokei fits a methodical trader who trades often, sizes small, and intends to stay for a while.

It suits you well if your edge is consistency rather than intensity. The Dynamic Performance Reward can pay you up to 100% for trading steadily with controlled leverage, which is a genuinely higher ceiling than the 80 to 90% typical elsewhere. The warning system corrects before it punishes. Martingale is permitted where most firms ban it. And ProTrader Swing, swap-free since July 2026, is a real option for multi-day positions.

It suits you poorly if you want to pass fast and leave. All-in attempts at the target are explicitly forbidden, tick scalping under 10 seconds is prohibited, and the randomness detection can flag a strategy that technically breaks no rule. The loyalty program rewards continued activity, and its Boosts only apply to accounts you buy afterwards, so a single account traded once captures none of it.

Three things to understand before buying. Your payout percentage is calculated from your behaviour, not fixed at purchase, on StartTrader. Scaling no longer exists as a profit-target ladder; growth comes through XP and Tiers, and only affects future accounts. And the refund window is 14 days that closes the moment you log in, which makes the decision to buy effectively final.