Fintokei Rules and Payouts 2026: Complete Guide

These limits exist to test discipline rather than one-time gambles. The April 2026 update simplified open-risk tracking to a clear 3 percent cap on realized and unrealized losses.^[1] Breaches trigger immediate disqualification on monitored demo accounts. StartTrader applies a consistency rule that caps any single day at 40 percent of the profit target.

Fintokei appears in Lune's prop firm directory alongside 47 other firms with side-by-side rule comparisons and current promo codes.

Fintokei runs three core evaluation programs in 2026: StartTrader (3-step), SwiftTrader (1-step), and ProTrader (2-step). Each program sets clear profit targets, loss limits, and trading day minimums that traders must meet on demo accounts.

Profit Targets by Account Size

Profit targets scale with account size and program type. StartTrader requires 2 percent, then 3 percent, then 6 percent across its three phases. SwiftTrader uses a single 10 percent target. ProTrader uses an 8 percent target in phase one and 6 percent in phase two.

Traders can apply promo codes such as NEW20 for 20 percent off first challenges or RELOAD50 for repeat attempts on SwiftTrader plans.^[2]

Drawdown Rules

Drawdown limits protect both the firm and the trader. Most plans cap daily loss at 3 percent and maximum loss at 6 percent (static from starting balance). ProTrader allows a 5 percent daily limit and 10 percent trailing maximum loss. A 3 percent cap also applies to total risk on open trades or groups of ideas.^[3]

Rules are monitored in real time. A first violation triggers a warning. Repeated breaches can reduce limits or trigger consistency rules. The system now uses a simple 3 percent open-risk threshold instead of complex VaR calculations.^[1]

Fintokei designed these limits to reward consistent discipline rather than one large gamble. The daily cap prevents traders from treating the loss limit as a stop-loss.

Minimum Trading Days

Every program requires a minimum number of trading days. StartTrader needs three days per phase. SwiftTrader requires five days. ProTrader also requires three days in each phase. Inactivity for 30 days closes the account automatically.

Here is a worked example for a $50,000 StartTrader account. The trader must reach a 2 percent profit target ($1,000) in phase one while staying under a 3 percent daily loss ($1,500) and 6 percent maximum loss ($3,000). On day one the trader opens two positions with combined risk of $900. The account gains $1,200 by close. The daily loss never exceeds $400. The trader finishes the phase in four days, well under the 6 percent drawdown ceiling. The same math scales to the $100,000 account: targets double to $2,000 while daily and max loss limits become $3,000 and $6,000.

Lune's prop firm comparison tool lists these exact numbers alongside 46 other firms so traders can match rules to their risk style without manual spreadsheets.^[4]

Fintokei enforces program-specific rules that focus on consistency and risk control. These limits vary across StartTrader, SwiftTrader, and ProTrader challenges. Understanding each rule helps traders match their style to the right program.

Allowed Instruments

Fintokei supports forex pairs exclusively. Scalping is permitted under the scalpAllowed: Yes rule. No monthly fees apply to any program.

News Trading Policy

News trading rules are not explicitly restricted in current programs. Traders may hold positions through high-impact events, but the 3% maximum risk on open trades still applies. This limit covers both realized and unrealized losses.

Practical Impact: News traders can enter around releases, yet they must size positions so one idea never exceeds 3% of the initial balance. Swing traders face fewer timing constraints than on firms that ban news entirely.

Weekend & Overnight Holding

Weekend and overnight holding policies are not specified in Fintokei challenge details. Positions may remain open outside regular sessions provided the daily loss and open-risk limits stay intact.

Practical Impact: Overnight holders on SwiftTrader or ProTrader programs should monitor the 3% open-risk cap closely. Scalpers who close daily avoid this concern, while swing traders benefit from flexible holding but must track equity snapshots at midnight UTC for trailing drawdown calculations.

Position Limits

The key position control is a 3% maximum risk on open trades. Violations trigger warnings first, then possible account restrictions after repeated breaches. Consistency rules apply in StartTrader phases when one day exceeds 40% of the profit target.

Practical Impact: Day traders who spread risk across multiple setups stay compliant more easily. Aggressive single-position traders must reduce size or add stop-losses to avoid warnings. Lune's risk management tools can mirror these exact limits across multiple prop firm accounts for automatic enforcement.

Fintokei structures payouts to reward consistent performance across its three programs. The rules differ by challenge type, so traders need to match the details to their chosen path before starting.

Profit Split Structure

StartTrader and ProTrader accounts pay an 80 percent profit split to the trader. SwiftTrader accounts pay a full 100 percent split. These percentages apply once you reach funded status and request a payout. The split stays fixed for the life of the account.

Payout Frequency

All programs process payouts on a bi-weekly schedule. You can request a payout every two weeks once you meet the minimum profit threshold for that cycle. This cadence gives traders steady access to realized gains without long waits between requests.

Minimum & Maximum Payouts

Fintokei lists no strict minimum payout amount on most plans. The main limit comes from the first payout delay rules instead. Average reported payouts sit near $3,218, with total payouts exceeding $28 million from 2023 through 2025.

First Payout Eligibility

Eligibility timing varies by program. StartTrader accounts allow the first request between 3 and 180 days after passing the evaluation. SwiftTrader requires at least 3 percent profit before the first payout. ProTrader needs three profitable days. Here is a sample timeline for a SwiftTrader account: pass evaluation on Day 1, reach the 3 percent profit mark on Day 12, and receive funds on Day 14 during the next bi-weekly window.

Drawdown rules and the 3 percent open-risk cap exist to evaluate consistency and discipline rather than luck or one-shot gambles.

Traders comparing funded programs often review multiple firms side by side. Lune's prop firm directory at /prop-firm lets you filter by split, frequency, and drawdown rules in one place. Always verify the latest terms on the firm's site, as policies can update.

Common Mistakes Traders Make

• Opening multiple positions that push total risk above the 3 percent cap on open trades. The first violation triggers a warning. Three or more can lead to reduced leverage or consistency rules.
• Ignoring the 3 percent daily loss limit on StartTrader and SwiftTrader accounts purchased after December 2024. This limit applies to realized and unrealized losses combined.
• Letting one day generate more than 40 percent of the profit target in StartTrader phases. This violates the consistency rule and disqualifies the account.
• Allowing 30 days of inactivity. The account closes automatically with no warning period.

Practical Steps to Stay Compliant

1. Set position size so no single idea risks more than 2 percent of the initial balance. This leaves headroom before the 3 percent warning threshold.
2. Use the MyFintokei dashboard to monitor equity snapshots at midnight UTC for ProTrader accounts. The daily limit resets from the end-of-day equity.
3. Place stop losses on every trade. The rules exist to test discipline, not to let traders use the daily limit as an emergency exit.
4. Track profit distribution across days in StartTrader. Spread gains so no single session exceeds 40 percent of the target.