Finotive Funding is a CFD prop firm operated by Finotive One Limited, a Cyprus-registered company (company number HE481670), and it has been running since 2021. It sells simulated funded accounts through one-step and two-step evaluations and instant funding, traded on MetaTrader 5 or Match-Trader. Its static maximum loss, lack of minimum trading days and fast payouts are offset by a dense rulebook. Above all, a floating drawdown threshold far tighter than the headline loss limits matters more to most traders than the profit split.
Who operates Finotive Funding
The legal entity is Finotive One Limited (finotive.com), which launched in April 2021. Its legal documents cover group entities, a KYC data-sharing arrangement for Finotive One accounts, a risk disclosure and a privacy policy, and they identify the contracting entity for your account.
Accounts are simulated, and payouts are “Reward Payments” under Finotive’s terms rather than a share of live market profits.
Finotive does not accept traders from the United States, Canada, Belgium, Japan, Cuba, Iran, North Korea, Syria, Russia or Belarus, nor from Crimea, Sevastopol, Donetsk or Luhansk.
Programs and what each one costs
Finotive offers 39 account configurations across seven programs: 1 Phase Challenge, 2 Phase Challenge, 1 Phase Pro Challenge, 2 Phase Pro Challenge, Instant Standard, Instant Lite and Two Step Solo FX. Account sizes run from $3K to $200K, although not every program is offered at every size. All fees are one-time payments.
1-Step and 2-Step Challenge
- 1-Step Challenge: a 10% profit target, a 4% daily loss limit and a 7.5% static maximum loss, so the target exceeds what you may lose.
- 2-Step Challenge: targets of 7.5% in phase one and 5% in phase two, a 4.5% daily loss limit and a 9% static maximum loss.
At $100K, the 2-Step costs $595 and the 1-Step $650; at $200K, it is $995 against $1,160. The 2-Step is cheaper at every size above $3K and has looser loss limits, but you must pass a second phase before you are funded. Both pay an 80% profit split once funded.
Pro Challenges
The Pro versions are Finotive’s premium tier, offered at $50K, $100K and $200K for 1-Step and at $50K and $100K for 2-Step.
- 1-Step Pro: the same 10% target and 4% daily loss as the standard 1-Step, but an 8% maximum loss instead of 7.5%.
- 2-Step Pro: the same 7.5% / 5% targets, with a 5% daily loss and 10% maximum loss instead of 4.5% and 9%.
The Pro accounts cost more ($744 versus $595 for the $100K 2-Step, $914 versus $650 for the 1-Step) in return for slightly more drawdown room and lower trading commissions (covered below). Whether the commission saving recovers the higher fee depends on how many lots you trade.
Instant Standard and Instant Lite
Instant Standard skips the evaluation: there is no profit target, and you trade under a 3.5% daily loss limit and a 7% static maximum loss with a 75% profit split. A $100K account costs $3,275, more than five times the $595 for a $100K 2-Step Challenge.
Instant Lite is a second instant option under the same instant-account rules, including the profit concentration limit, the paid weekend-holding add-on and the lowest leverage of any program.
Two Step Solo FX
Solo FX is a forex-only two-step evaluation, moved into Finotive’s core range after a test period in its Launchpad program, with simpler rules:
- 10% static maximum drawdown and 5% static daily drawdown
- $2.50 per lot round-turn commission
- Leverage up to 1:100
- No HFT, profit concentration or thin-liquidity restrictions
- No mandatory stop loss
Two limits still apply: the account trades FX pairs only, and a 2.5% floating drawdown rule applies once it is funded (not during either evaluation phase).
Leverage and commissions
Leverage depends on both program and asset class. Finotive’s published schedule:
| Asset class | Instant | 1-Step | 2-Step |
|---|---|---|---|
| FX | 1:33 | 1:50 | 1:100 |
| Metals | 1:5 | 1:10 | 1:20 |
| Indices | 1:5 | 1:5 | 1:10 |
| Energy | 1:5 | 1:10 | 1:20 |
| Crypto | 1:1 | 1:2 | 1:2 |
| Stocks | 1:2 | 1:4 | 1:5 |
Leverage outside FX is low, and crypto on an Instant account is unleveraged. A separate Notional Volume Limit caps total open notional exposure regardless of platform leverage, margin or buying power, so a position within your margin can still be blocked.
Commissions come in three published tiers, and the Pro accounts are cheaper in each:
- $5 per lot on Challenge and Instant accounts, $4 on Pro
- $6 per lot on Challenge and Instant accounts, $5 on Pro
- 0.06% on Challenge and Instant accounts, 0.045% on Pro
Solo FX’s $2.50 is quoted per lot round trip, so confirm whether other figures are per side or round trip on your instrument. A per-side charge doubles over a complete trade.
Drawdown: static limits plus a floating drawdown strike system
Every account uses a static maximum loss set from the initial balance. Take a hypothetical $100K 2-Step Challenge with a 9% limit: the floor stays at $91,000 whether the account is at $100,000 or $108,000. Unlike a trailing drawdown, it does not rise with your profits, so you gain room once you are ahead.
On top of the daily and maximum loss limits, Finotive enforces a floating drawdown rule. It is based on open, unrealized loss measured against the initial account balance:
- Instant Funding: 1.5% of the initial balance, with a possible reminder at 1.0%. The first confirmed breach brings a formal warning only; from the second onward, each qualifying event adds one strike and cuts that cycle’s Reward Payment to 10%.
- Challenge and Pro, evaluation phase: 2.0%, with no alert, strike, reset, payout cut or closure. Findings may appear in a Challenge Phase Progression Report.
- Challenge and Pro, funded: the 2.0% threshold is enforced, with a possible reminder at 1.5%. A confirmed breach brings one strike and a payout reduction to 10% for that cycle.
- Solo FX, funded: 2.5%, with the same strike-and-cut consequence.
Only one strike can be issued per trade and instrument combination. Five cumulative strikes close the account permanently.
The practical effect is a hidden risk limit far tighter than the headline loss limits. On a hypothetical $100K funded Challenge account, the 2% threshold is $2,000 of open loss, less than half the $4,500 daily allowance, so a trader who lets positions sit deep in drawdown could stay inside the daily limit and still lose 90% of that cycle’s payout. Because the threshold is not enforced during evaluation, a strategy that passed comfortably can start drawing strikes in its first funded week.
Trading rules and prohibited practices
Finotive classes EAs, copy trading and news trading as restricted. They are permitted subject to conditions, not banned outright.
High-frequency trading. On all accounts except Solo FX, no more than 20% of total positive realized profit may come from trades held under 120 seconds, assessed once there are at least 10 closed trades. Short trades themselves are not prohibited.
Profit concentration (Instant only). No more than 60% of total profit may come from one symbol in one direction. Buys and sells are counted separately. Challenge accounts have no concentration limit.
Thin liquidity. Profit from trades opened and closed within a defined late-evening UTC window around the daily rollover is capped at 20% of eligible realized profit. Finotive has revised this window, so check the current hours in its help center before trading that session.
Under Finotive’s updated rules, these three limits are recoverable: exceeding a percentage does not automatically issue a strike, and you can bring the figure back under the limit before requesting a payout.
Other rules carry harder consequences:
- Holding: overnight holding is allowed on all programs. Weekend holding is allowed on Challenge and Pro accounts but requires an add-on on Instant Standard and Instant Lite.
- News stacking: placing straddled, offsetting or hedged exposure on the same or correlated instruments within 15 minutes of Red or Amber news, earnings or geopolitical events, where the aim is to capture volatility rather than take a directional view.
- Loss-chasing: repeated impulsive or one-directional trading to recover losses, such as immediately re-entering the same instrument and direction after a loss.
- Hedging across accounts and offsetting positions across accounts or platforms.
- Inactivity: accounts inactive for 30 consecutive days may be closed without refund.
- Connection rules: VPNs, iCloud Private Relay, proxies, remote desktops, IP masking or geographically inconsistent connections can lead to failed verification, closure, rejected payouts and refused refunds.
The wider prohibited list covers account, device and third-party sharing, multiple identities, coordinated trading, latency arbitrage, exploiting stale or erroneous prices and platform errors, challenge-passing services, using another person’s account as a copy-trading master, and swap-free misuse (more than 50% of profit from trades that only work because no swap is charged).
Payouts
Finotive reports processing within seconds. Methods are Revolut, bank wire and crypto. The payout schedule depends on program:
- Most programs: first payout on demand, then weekly.
- Instant Lite: first payout on demand, then every 14 days.
- Solo FX: first payout after 14 days, then weekly.
Profit splits range from 70% to 80%.
Minimum withdrawal amounts also vary:
- Instant Funding: 1% of the initial balance, with no dollar cap.
- 1-Step Challenge and 1-Step Pro: 1% of the initial balance, capped at $100, so the minimum is whichever is lower.
- 2-Step Challenge and 2-Step Pro: no minimum.
On a hypothetical $50K Instant account, the minimum request is $500. On a $50K 1-Step, it is $100. Finotive has scaling plans for its Challenge, Instant and Pro accounts, each with its own requirements. It does not publish a total paid out to traders.
Upgraded funded status: activity and quarterly targets
Finotive’s terms also describe an upgraded funded status that comes with a salary and a higher profit split. Keeping it requires two things.
An activity band. After 30 days of funding, your weekly trade count and volume must stay within ±25% of your average across the challenge and first 30 funded days. For example, a trader who averaged 10 trades and 10 lots on forex and metals would need roughly 7 to 12 trades and 7.5 to 12.5 lots each week.
A quarterly target. The account must make 5% total profit, including payouts and unrealized gains, every 90 days.
Missing either drops the account to standard funded status without the salary or upgraded split.
Strengths and trade-offs
Strengths
- Static maximum loss on every account, with no minimum trading days.
- First payout on demand on most programs, then weekly.
- 2-Step pricing below the 1-Step, with wider loss limits.
- Solo FX drops the HFT, concentration and thin-liquidity rules.
- Profit-share limits are recoverable before a payout request.
Trade-offs
- A floating drawdown threshold of 1.5% to 2.5%, far tighter than the daily limits, with each funded breach able to cut a payout to 10%.
- Expensive instant accounts with the lowest leverage and paid weekend holding.
- Low leverage outside FX, plus a notional cap on position size.
- Profit splits of 70% to 80%, below the 90% or higher offered at several larger firms.
- No Trustpilot rating and no published payout total.
- Restricted EAs, copy trading and news trading, and strict connection rules.
How we checked Finotive Funding
We visited finotive.com on 13 November 2026, connecting from Tallinn, Estonia. We opened the homepage and scrolled to the footer, where two companies are named. Finotive One Limited is described as “a Cyprus-registered company with company number HE481670,” with a registered office in Limassol. Finotive Funding Technologies Limited is listed at the Innovation One Building, Level 2, DIFC, Dubai. Higher up the page, the site states that “In 2025, Finotive Markets gained its full FSC Securities Dealer Licence.” From the footer we clicked through to the Terms and Conditions, the Privacy Policy and the Cookie Policy. The Legal Centre link would not open from our location.
Prices did not come through in our pass. Here is what we could read. The homepage names MT5 and Match-Trader, says “99% of payouts are credited to your Finotive Pay account within seconds,” and lists withdrawals “via Revolut, bank wire, or crypto.” KYC is part of opening a Finotive One account. In the terms, traders may not “engage in unauthorised copy trading” or “use automation or Expert Advisors where prohibited by the applicable Service.” The restricted jurisdictions page matches the country list in this review. Our checkout test gave no usable result. We cannot say whether you need an account before paying.
On 13 November 2026 we also searched Companies House, the UK company register, for Finotive One Limited. Our search of Companies House did not return Finotive One Limited. That is not a red flag on its own. The site places the company in Cyprus, so a UK register is unlikely to hold it.
We found no Trustpilot profile for the domain when we looked on 13 November 2026. The domain’s first Wayback Machine capture is dated 2021-12-02. We did not check the Cyprus register for HE481670 or any FSC record for Finotive Markets, so both claims rest on the site’s own wording for now.
Who it may suit
The structure suits forex traders who use defined risk per trade and close losing positions early: they rarely come near the floating threshold and benefit most from static drawdown and fast payouts. Solo FX fits pure FX traders who scalp or trade the late-UTC session, since it drops the rules that would cap those profits. Traders who average down, hold large open losses or trade mainly indices, metals or crypto will find the floating drawdown and low leverage restrictive.
Finotive has no NinjaTrader-based futures program; traders who need one can compare futures prop firms.
Alternatives
| Provider | Score | Fee | Split | Payouts | |
|---|---|---|---|---|---|
| 5.8/10 | $445 | 30% / 90% | — | Review | |
| 6.0/10 | $629 | 80% | every 14 calendar days | Review | |
| 7.0/10 | $357 | 80% | Day 0, then every 7 days | Review |