Fintokei

Introduction to Fintokei: A Talent Accelerator

Fintokei enters the competitive proprietary trading firm sector as an evaluation and education firm for traders, defining itself as an “accelerator of successful traders.” Its business model focuses on allowing traders to demonstrate their skills in a safe demo environment, using virtual capital. Those who trade profitably and consistently are rewarded with a share of the profits generated, thus eliminating the need to risk personal capital.

The company’s stated mission is to identify and support exceptional traders who often lack the initial capital or the necessary structure to professionalize their trading. Fintokei’s purpose is to offer access to quality education and sufficient virtual capital so that talented traders can dedicate themselves to the activity full-time. The firm emphasizes that fairness is its core value, seeking to establish mutually beneficial (“win-win”) relationships with its clients.

This approach positions Fintokei not just as a capital provider, but as a talent scout. Its ultimate goal goes beyond simple profit sharing; it seeks to connect its best traders with associated regulated portfolio management firms. This model suggests that the evaluation process is a talent filter for a broader financial ecosystem. For the trader, this means that demonstrating solid risk management and a sustainable strategy not only leads to payouts but can also open a professional career path. This long-term partnership perspective justifies the implementation of strict rules against gambling practices and non-replicable strategies in real markets.

Fintokei targets ambitious traders who wish to improve their skills, adopt healthy trading habits, and build a verified trading record. The goal is to prepare them to manage larger accounts and, ultimately, attract investor capital or integrate into the world of professional asset management.

Fintokei’s Evaluation Programs: A Plan for Every Trader

Fintokei has structured its offering into four distinct evaluation programs, each designed to meet the needs of a specific trader profile. This diversification allows the company to cater to everyone from beginners to experienced professionals with different trading styles. The general process is consistent across all plans: the trader must first pass a challenge in a demo account to gain access to a virtually funded account, from which they can generate real profits.

The four programs are:

• StartTrader: Aimed at beginners, with a three-phase evaluation and gradual profit targets.
• SwiftTrader: Designed for traders seeking quick access to payouts, with a single-phase evaluation.
• ProTrader: Geared towards advanced traders, offering the largest account sizes and the highest leverage in a two-phase evaluation.
• ProTrader Swing: A specialized variant of the ProTrader, created specifically for swing traders.

The following table offers a general comparison of the key features of each program for quick reference.

Feature	StartTrader	SwiftTrader	ProTrader	ProTrader Swing
Trader Profile	Beginner	Intermediate / Fast	Advanced	Swing Trader
Evaluation Phases	3	1	2	2
Profit Target	2% - 6%	10%	6% - 8%	6% - 8%
Maximum Drawdown	6%	6%	10%	10%
Max. Leverage (FX)	1:25	1:50	1:100	1:100
Profit Split	From 50%	100%	From 80%	From 80%

StartTrader Plan: The Path for Beginners

The StartTrader program is designed as the entry point for novice traders or those who prefer a more gradual approach. It consists of a three-phase evaluation with low and increasing profit targets, allowing the trader to adapt without the pressure of high goals from the start.

The challenge structure is designed to encourage consistency and the development of healthy trading habits. The profit targets are 2% in Phase 1, 3% in Phase 2, and 6% in Phase 3. This program is subject to consistency rules that seek to prevent traders from relying on a single lucky trade to pass the evaluation.

The risk rules are more conservative, with a daily loss limit of 3% and a maximum loss limit of 6%. The leverage is also lower, set at 1:25 for currency pairs (FX), gold, and silver. The evaluation fee is refundable with the first profit payout.

Account Size	Price	Phases	Phase 1 Target	Phase 2 Target	Phase 3 Target	Maximum Drawdown	Daily Drawdown
$20,000	$119	3	2%	3%	6%	6%	3%
$50,000	$244	3	2%	3%	6%	6%	3%
$100,000	$419	3	2%	3%	6%	6%	3%

SwiftTrader Plan: The Fast Track to Payouts

The SwiftTrader program is designed for experienced traders who are confident in their ability to achieve ambitious goals in a short period. It is a single-phase evaluation, making it the fastest path to obtaining a funded account and payouts.

The most outstanding feature of this plan is a 100% profit split for the trader from day one. Once funded, a payout can be requested at any time, provided a minimum profit of 3% has been generated in the account. However, in exchange for this speed and generous split, the profit target for the single evaluation phase is more demanding, set at 10%.

Key rules include a minimum of 5 trading days, a daily loss limit of 3%, and a maximum of 6%. The leverage is 1:50 on FX. Unlike other plans, the SwiftTrader evaluation fee is non-refundable.

Account Size	Price	Phases	Profit Target	Maximum Drawdown	Daily Drawdown
$20,000	$179	1	10%	6%	3%
$50,000	$369	1	10%	6%	3%
$100,000	$599	1	10%	6%	3%
$200,000	$1,299	1	10%	6%	3%

ProTrader Plan: For Experienced Traders

The ProTrader program is Fintokei’s flagship offering, aimed at advanced and experienced traders looking to manage larger accounts and trade with more flexible conditions. This plan offers the highest available leverage and the most generous loss limits.

The evaluation takes place in two phases. The trader must achieve a profit target of 8% in Phase 1 and 6% in Phase 2. Once passed, a funded account is obtained with an initial profit split of 80% for the trader.

The risk rules are notably broader: a daily loss limit of 5% and a maximum loss limit of 10%. The leverage is raised to 1:100 on FX, gold, and silver, allowing for greater flexibility in position sizing. The evaluation fee is fully refundable with the first profit payout.

Account Size	Price	Phases	Phase 1 Target	Phase 2 Target	Maximum Drawdown	Daily Drawdown
$20,000	$159	2	8%	6%	10%	5%
$50,000	$319	2	8%	6%	10%	5%
$100,000	$529	2	8%	6%	10%	5%
$200,000	$1,149	2	8%	6%	10%	5%
$400,000	$2,399	2	8%	6%	10%	5%

ProTrader Swing Plan: Designed for the Long Term

The ProTrader Swing plan is one of Fintokei’s most innovative offerings, specifically designed to meet the needs of swing traders. It maintains the two-phase structure and general parameters of the ProTrader plan but introduces a crucial modification to one of the most important risk rules.

The distinctive and revolutionary feature of this program is that the daily loss limit is calculated using the account’s balance (based on closed trades) at the start of the day, instead of the equity (which includes floating profits or losses from open trades). Most prop firms use the equity-based calculation, which penalizes swing traders, whose strategies often involve holding positions with significant floating drawdown before reaching their final target.

By eliminating this friction, Fintokei not only attracts a trader profile that is often underserved but also actively filters out scalpers and high-frequency day traders for this program. This product design decision is a strategic statement about the type of trading the firm values: sustainable, long-term strategies, in line with its overall anti-gambling philosophy. Furthermore, this plan explicitly allows trading during news releases and holding positions over the weekend, establishing itself as the best option on the market for swing traders.

Account Size	Price	Phases	Phase 1 Target	Phase 2 Target	Maximum Drawdown	Daily Drawdown
$50,000	$319	2	8%	6%	10%	5% (based on balance)

Trading Rules: Fintokei’s Operational Framework

Fintokei establishes a set of clear and detailed rules that traders must follow in both the evaluation phases and on funded accounts. These rules are designed to promote responsible risk management and ensure that trading strategies are sustainable.

Loss Rules (Drawdown)

The drawdown rules are the pillar of risk management at Fintokei.

• Daily Loss Limit: This rule sets the maximum amount an account can lose in a single day. For the ProTrader and SwiftTrader plans, it is 5% and 3% respectively, and it is calculated based on the account’s equity at the start of the day. For the ProTrader Swing plan, it is 5% but calculated based on the balance, a key difference.
• Maximum Loss Limit: This is the total allowed drawdown on the account. It is a static limit, meaning it is always calculated from the initial account balance and does not move with profits. It is 6% for the StartTrader and SwiftTrader plans, and 10% for the ProTrader and ProTrader Swing plans.
• Maximum Allowed Risk on Open Trades: A crucial and less common rule is that no set of open trades (or “setup”) can risk more than 3% of the account’s capital. Fintokei assesses this risk using the lower value between the stop-loss set by the trader and a Value at Risk (VaR) analysis. This measure effectively prevents “all-or-nothing” behaviors and high-risk bets on a single trading idea.

General Trading Rules

• Minimum Trading Days: A minimum number of trading days is required to complete an evaluation phase. It is 3 days for ProTrader and StartTrader, and 5 days for SwiftTrader.
• Maximum Trading Period: There is no time limit to reach the profit targets. However, it is required that at least one trade is opened or closed every 30 days to keep the account active.
• Use of Expert Advisors (EAs): The use of EAs is allowed in all of Fintokei’s programs.
• Holding Trades Over the Weekend: Holding positions open over the weekend is allowed in all plans.
• News Trading: Fintokei allows trading during high-impact economic news releases, a significant advantage over many other firms that restrict this activity.

Prohibited Trading Practices

Fintokei strictly prohibits any strategy that is not replicable under real market conditions or that seeks to exploit technical inefficiencies of the trading platform.

• Latency Arbitrage: Deliberately exploiting delays in the price data feed to gain an unfair advantage.
• Tick Scalping: Defined as making trades that last less than 10 seconds. No more than 10% of the total traded lot volume is allowed to come from this type of trading.
• Hedging between Accounts: It is strictly forbidden to open opposing positions on the same asset (or on highly correlated assets) across multiple accounts, whether they are with Fintokei or other brokers.
• Use of Multiple Profiles or Devices: Each trader must operate with a single verified profile. Sharing trading devices (computers, VPS) with other Fintokei clients is prohibited to prevent the circumvention of maximum capital limits and covert copy trading.

Violation of these rules can lead to anything from a warning to the cancellation of the account and a permanent ban from accessing the platform, with no right to a refund of the evaluation fee.

Anti-Gambling Policy

In line with its philosophy of seeking consistent traders, Fintokei has a strict policy against behaviors that resemble gambling rather than professional trading.

• Overleveraging without strategy: Using excessive leverage without a clear strategic justification.
• Unilateral Bets: Risking a disproportionate part of the account on a single market event, such as a news release.
• “All-In” Trading: Attempting to reach the profit target in a single risky trade.
• Account Rolling: Using the profits from one account to immediately buy another challenge and repeat a high-risk strategy.

If these practices are detected, Fintokei may issue a warning, apply stricter “Consistency Rules” to guide the trader, or in serious cases, cancel the account.

Payouts and Withdrawals (Payouts)

Fintokei’s payout system is one of its strongest points, designed to be fast, efficient, and frictionless.

• “Instant Payouts” System: The firm has developed a system that allows traders to request a withdrawal with a single click. The request is automatically approved in a matter of seconds, and the funds are sent within 24 hours, often arriving in just 3 to 5 hours. A key advantage is that the trading account is not frozen during this process, allowing the trader to continue operating without interruptions.
• Frequency and Minimums: Withdrawals can be requested every 14 days. In the specific case of the SwiftTrader plan, a minimum profit of 3% must be generated to be able to request a payout.
• Profit Split: The percentage of profits the trader receives varies by plan:
  • StartTrader: Starts at 50% and can scale up to 100%.
  • SwiftTrader: Offers 100% from the start.
  • ProTrader and ProTrader Swing: Start at 80% and can scale up to 95%.
• Process and Withdrawal Methods: Before the first withdrawal, the trader must complete an identity verification process (KYC). Payments can be received via bank transfer, the costs of which are covered by Fintokei, or through cryptocurrencies. Crypto withdrawals have a 2.5% commission plus a fixed fee that varies by currency.
• Purchase Methods: Challenge fees can be paid with a credit or debit card (Visa, Mastercard, JCB, etc.), Apple Pay, Google Pay, a variety of cryptocurrencies (BTC, ETH, USDT, etc.), or via bank transfer (SEPA for EUR payments and domestic transfer for JPY).

Scaling Plan

Fintokei offers an ambitious scaling plan for its successful traders, allowing them to manage virtual capital that can reach up to $4,000,000 in the ProTrader program.

• Requirements to Scale: To be eligible for a capital increase, a trader must achieve a profit target of 10% (calculated after closing all trades) for at least two consecutive months. Scaling can be requested every two months.
• Benefits of Scaling: With each new level reached, the account capital is increased and the profit split for the trader progressively improves, potentially reaching a maximum of 95% in the ProTrader plans.
• Professional Contract: Starting from a certain scaling level (Level 3 in the ProTrader and SwiftTrader plans), Fintokei offers the trader the opportunity to sign a contract with its associated portfolio management company. This step materializes the firm’s promise to act as a “talent accelerator.”

The scaling plan functions as the ultimate verification stage of Fintokei’s model. While the initial challenge validates basic skill and rule compliance, and the first payouts demonstrate short-term consistency, scaling proves the ability to replicate profitability sustainably over time. It is this last attribute that a professional fund manager values above all else. Therefore, the scaling plan is not just a reward, but the final filter that identifies traders who can be considered for professional opportunities within the Fintokei ecosystem.

Technical Aspects and Trading Conditions

Platforms and Broker

Fintokei offers a selection of the most recognized and widely used trading platforms in the industry, which guarantees a high-quality experience for the trader. The available options are MetaTrader 4 (MT4), MetaTrader 5 (MT5), and cTrader.

It is essential to understand that all operations are conducted in a demonstration environment. Although real-time market data from liquidity providers is used to simulate real conditions, the trades are not executed in the interbank market. Fintokei does not act as a broker, but as an evaluation platform that provides a simulated environment.

Financial Instruments and Leverage

Traders can operate a wide range of instruments, including currency pairs (Forex), precious metals, energies, and stock indices. Currently, trading with cryptocurrencies or individual stocks is not offered.

The leverage varies drastically between the different programs, being a decisive factor when choosing a plan.

Program	Leverage FX, Gold, Silver	Leverage Indices	Leverage Rest
StartTrader	1:25	1:20	1:10
SwiftTrader	1:50	1:50	1:10
ProTrader	1:100	1:50	1:20
ProTrader Swing	1:100	1:50	1:20

Commissions and Spreads

Fintokei highlights on its website that it offers 0% commissions on oil and indices trading. For other instruments like Forex pairs, an external source indicates a commission structure of $6 per lot traded, which is competitive and similar to the conditions of an ECN account.

The firm does not publish a table on its website with the average or real-time spreads for its instruments. Although it is mentioned that “Raw” type accounts (which usually have commissions) offer tight spreads, the lack of specific data is an area for improvement in terms of transparency.

Support and Restricted Countries

Fintokei’s customer support service is primarily channeled through a contact form on its website and an extensive knowledge base (FAQ) that covers most common questions. A direct support email or phone number is not publicly provided.

The list of countries includes the United States and India; also Russia, Belarus, North Korea, Iran, Myanmar, Syria, and Yemen; Cuba, Venezuela, Sudan, South Sudan, Afghanistan, Somalia, and Iraq; and, temporarily restricted, Vietnam, Pakistan, Bangladesh, and China.

Fintokei’s Strengths: Why Choose Them?

Fintokei has positioned itself as a solid and attractive option in the prop firm market thanks to a combination of flexibility, innovative rules, and a philosophy centered on the sustainable trader.

• Flexibility and Specialization: The offering of four distinct programs, including the unique ProTrader Swing solution, demonstrates a deep understanding that not all traders are the same. This allows each individual to find a plan that aligns with their style, experience, and methodology.
• Friendly Rules for Certain Styles: The introduction of a daily loss limit based on balance in the ProTrader Swing plan and the general permission to trade during news are significant competitive advantages that solve real problems for many traders.
• Superior Payout System: The “Instant Payouts” process is one of the fastest and most efficient in the industry. By not freezing the account and processing payments in hours, Fintokei eliminates one of the biggest sources of stress and frustration for funded traders.
• Real Growth Potential: The scaling plan is not just an empty promise. It offers a clear and achievable path to managing seven-figure capital, with a profit split that reaches 95% and the tangible possibility of obtaining a professional contract.
• Sustainable Trading Philosophy: The strong emphasis on risk management and clear anti-gambling policies indicate that Fintokei is interested in building long-term relationships with serious and consistent traders, rather than profiting from failed challenge fees.
• Technology and Platforms: By offering access to MT4, MT5, and cTrader, Fintokei ensures that its traders operate with the best tools available, without compromising the quality of execution or technical analysis.