Moneta Funded is a CFD prop trading firm operated by Moneta Funded Ltd., which is registered in Saint Lucia, and it was established in July 2025. It sells a 2-Step evaluation, a standard 1-Step, a 1-Step Daily with daily payouts, two Instant Funding variants, Instant Funding Pro, a Phoenix scaling program and a short-duration Sprint Challenge, traded on Match Trader and MT5. Its strengths are a wide program range, an 88% split on most programs and static drawdowns on the 2-Step and 1-Step Daily. Its trade-offs are tight loss limits on the cheaper programs, trailing drawdowns on the 1-Step and Instant Funding, broadly worded rules that leave the firm discretion, and a short operating history. Terms differ sharply between programs. For example, the 1-Step Daily allows only a 2% static maximum loss, while the 2-Step allows 10%. Choosing the right program matters more than the headline profit split.
What Moneta Funded offers
All Moneta Funded accounts are simulated. You pay a one-time fee for a challenge or an instant account, trade under the firm’s risk rules, and receive a share of simulated profits as payouts. Instruments include forex and crypto, and the leverage schedule also covers metals, indices and energy CFDs.
The profit split depends on the program:
- 88% on the 2-Step, 1-Step, 1-Step Daily, the 88% Instant Funding variant and Instant Funding Pro
- 60% on the cheaper Instant Funding variant
- 100% on the Sprint Challenge
The programs and how they differ
2-Step Challenge
The 2-Step has a 5% profit target in one phase and 10% in the other, a 5% daily loss limit and a 10% static maximum loss. A static floor is fixed relative to the starting balance and does not rise as the account grows. On a $100K account it sits at $90,000 however far the account climbs.
The 2-Step Funded account comes in a 4% daily loss version alongside the 5% version, each with a different per-symbol floating loss limit. No minimum trading days apply. Forex leverage of 1:100 is the highest Moneta Funded offers.
1-Step Daily
The 1-Step Daily is a lower-cost, faster-paying one-phase option. Its terms:
- Profit target: 3%
- Daily loss: 1%
- Maximum loss: 2% static
- Time limit: none
- Consistency rule: none
- Leverage: up to 1:30
- Profit split: 88%
- Payouts: daily, minimum $100
Each payout request is capped by account size: $1,000 on $50K, $2,000 on $100K and $4,000 on $200K.
The risk budget is very tight. On a $100K account, the daily loss limit is $1,000 and the static floor sits at $98,000, while the target is $3,000. That target is 1.5 times the full loss allowance, and it must be earned without ever giving back more than $2,000 from the start.
The maximum loss changes after the first payout. Once a payout is approved, the maximum loss level locks at the account’s original starting balance, so on a $100K account the floor moves from $98,000 to $100,000. The trigger is payout approval, not the date the money arrives. After that, any dip below the starting balance ends the account, so the trader is effectively trading only on retained profit.
1-Step Challenge
The standard 1-Step has a 10% profit target, a 3% daily loss limit and a 5% maximum loss measured on trailing equity. A trailing equity drawdown follows the account’s equity high, including unrealized gains. If open profit lifts equity and then retraces, the floor has already moved up with the peak. That makes 5% more restrictive in practice than a static 5% would be.
Instant Funding (88% and 60%)
Instant Funding skips the evaluation. Both variants share a 3% daily loss limit, a 5% trailing equity maximum loss and 14-day payouts. Only the split and price differ. On the $100K size, the 88% version costs $665 and the 60% version $454, a $211 difference. As a hypothetical example, $10,000 of withdrawn profit pays $8,800 at 88% and $6,000 at 60%. A trader who expects meaningful payouts recovers the higher fee quickly, while one unsure of reaching any payout risks less with the 60% version.
Instant Funding Pro
Instant Funding Pro has no time limit, a 3% daily loss limit, a 6% trailing maximum loss and an 88% profit split. Unlike the standard instant account, it caps daily profit at 4%, allows unrestricted high-impact news trading and makes the first payout available on demand, then every 14 days, with a $100 minimum.
Phoenix scaling program
Phoenix is an instant-style program that scales account size automatically. Traders can start at Level 1, 2, 3 or 4. Hitting a 10% profit target at the current level moves the account to the next level, and the 10% earned becomes withdrawable credit there.
For example, a trader starting at Level 2 with a $5,000 balance reaches the $500 target and moves to Level 3 with a $10,000 balance, with the $500 as credit. Another $200 earned at Level 3 allows a $700 payout request. Withdrawing it does not count toward scaling, so the full $1,000 Level 3 target must still be earned to move up again.
Phoenix payouts require a 14-day minimum interval from the first trade and at least 3 profitable days.
Sprint Challenge
The Sprint offers challenges of 1, 2, 4 or 8 hours, a multiplier of up to 5x, a 100% profit split and payouts on demand. Profit targets range from 0.6% to 3% depending on the configuration. The 1-Hour Instant at $10K has a 0.6% target against a 0.3% static maximum loss: $60 of profit before $30 of loss. The minimum payout is the full payoff amount, so partial withdrawals are not possible. Sprint accounts are excluded from copy trading.
Leverage by program
| Asset class | Instant | 1-Step | 2-Step |
|---|---|---|---|
| FX | 1:30 | 1:30 | 1:100 |
| Metals | 1:10 | 1:10 | 1:30 |
| Indices | 1:8 | 1:8 | 1:25 |
| Energy | 1:3 | 1:3 | 1:10 |
| Crypto | 1:1 | 1:1 | 1:2 |
Crypto at 1:1 on Instant and 1-Step accounts means each $1 of crypto exposure needs $1 of margin, so crypto positions there are limited by margin as much as by the drawdown rules.
Trading rules that can end an account
News trading
On most programs, trading is not allowed from 5 minutes before to 5 minutes after high-impact news. The exception for existing positions is narrow. A trade opened at least two hours before the scheduled event may close inside the restricted window, including closes triggered by a take profit or stop loss. A position opened 30 minutes before the release that hits its stop during the window is outside that exception. Instant Funding Pro and Phoenix Instant have no news restriction.
Floating loss per symbol
Moneta Funded caps how much open (floating) loss you can carry on a single symbol, as a share of account size:
- 3%: 2-Step Funded with the 5% daily loss option, and Instant Pro
- 2%: 2-Step Funded with the 4% daily loss option, 1-Step Funded, Instant Funding and Phoenix
On a $100K 2-Step account with the 5% daily loss option, open losses on one pair cannot exceed $3,000 at any moment. The rule is separate from the daily and maximum loss limits, so stacking positions on one instrument can breach it even within the daily limit.
Risk concentration
Putting a substantial or majority share of the allowable daily loss or available margin on one trade idea is prohibited, whether through realized losses, stop-loss distance or a group of highly correlated positions. Buying EUR/USD and GBP/USD together can count as one idea, so position size has to stay well below the daily limit on any single setup.
Prohibited strategies
The rules ban:
- Martingale: increasing size after losses to win everything back on one trade
- Grid trading or hedging: opposing buy and sell orders on the same instrument producing equivalent risk
- Cross-account hedging: between different prop firms or between several Moneta Funded accounts
- Latency and execution exploitation: strategies relying mainly on extremely short holding times, rapid order placement or price feed differences
- Hyperactivity and order spamming: abnormal order volume, excessive scaling or repetitive orders without a trading rationale
- Delayed data feeds: using a deliberately lagged data stream for an advantage
- Demo exploitation: profiting from platform glitches instead of reporting them
- Gaming the evaluation: statistical or probability-based approaches aimed at the challenge mechanics rather than a market thesis
- Account sharing or transfer between owners
Scalping itself is permitted. Trades held for seconds or minutes as part of a genuine discretionary or systematic strategy count as normal trading. The line is drawn at activity built mainly around execution mechanics.
Expert advisors and copy trading
EAs are allowed. Copy trading is allowed only between Moneta Funded accounts owned by the same person, with a Moneta account as the master, and never involving Sprint accounts.
Consistency rule
Your best trading day must not account for more than 15% of total profit, with a 20% version available at a higher price. A 15% cap means profit has to be spread across at least seven days, which suits steady traders more than those who rely on a few large days. Two terms need confirming with the firm before buying. The first is whether the best-day limit applies to programs other than the 1-Step Daily, which has no consistency rule. The second is whether the standard 1-Step is still sold to new buyers, since the firm said the 1-Step Daily would replace it for new purchases.
Payouts and withdrawals
The minimum payout is $100 on every program except the Sprint, which pays the full payoff amount on demand. Cadence by program:
| Program | First payout | After that | Other conditions |
|---|---|---|---|
| 2-Step, 1-Step, Instant Funding | 14 days | 14 days | $100 minimum |
| 1-Step Daily | Daily | Daily | Per-request cap by size |
| Instant Funding Pro | On demand | 14 days | 4% daily profit cap |
| Phoenix | 14 days from first trade | 14 days | 3 profitable days |
| Sprint | On demand | n/a | Full payoff amount |
The firm’s home page claims more than 200K paid out monthly to traders, a figure we could not verify, and its short operating history leaves no long payout record to weigh against the terms.
Costs in context
All fees are one-time. Some per-size comparisons:
- 2-Step: $45 for $5K ($9.00 per $1K) and $855 for $100K ($8.55 per $1K), so larger sizes are slightly cheaper per dollar of allocation.
- 1-Step Daily: $2.84 per $1K at every size ($142, $284, $568), about a third of the 2-Step rate, in exchange for a 2% total drawdown instead of 10%. If the tighter rules lead to more failed attempts, repeated fees can outweigh the savings.
- 1-Step versus 1-Step Daily at $200K: $1,998 versus $568. The cheaper program has a lower target but a far smaller loss allowance and a per-request payout cap.
- Sprint 1-Hour at $10K: $30, the lowest entry point.
Strengths and trade-offs
Strengths supported by the terms:
- A wide program range, from a $30 one-hour Sprint to a $200K one-phase account
- Static maximum loss on the 2-Step and 1-Step Daily
- 88% split on most programs, 100% on the Sprint
- Daily payouts on the 1-Step Daily, on-demand first payout on Instant Pro
- No time limit on the 1-Step Daily and Instant Pro
- EAs allowed, and news trading unrestricted on Instant Pro and Phoenix Instant
Trade-offs:
- Tight 1% daily and 2% total loss limits on the 1-Step Daily, with the floor rising to starting balance after the first approved payout
- Trailing equity drawdown on the 1-Step and Instant Funding
- Per-symbol floating loss limits of 2% to 3%, which restrict scaling into a position
- Broadly worded risk-concentration and “gaming the evaluation” rules, which leave the firm discretion
- Low leverage outside the 2-Step, especially on crypto and energy
- Operating only since July 2025
How we checked Moneta Funded
On 13 November 2026 we opened monetafunded.com from Tallinn, Estonia. The home page loaded normally. From there we clicked About, Terms & Conditions, Sprint Challenge, Compare Challenges and Get Funded. Every one of those links returned a “Just a moment…” holding page with no content. The one-step, two-step and general rules pages behaved the same way. The help center was readable, and we went through its trading rules collection and its payments collection.
All of the pricing we saw came from the home page. On that page we clicked plan tabs such as 1-Step $25K and 2-Step $5K to reveal the details. The figures there include profit splits of 60% and 88%, daily loss limits from 1% to 4%, leverage of up to 1:100 on the 2-Step and a promise of payout processing in under 48 hours. Clicking “Start Now” took us to the checkout page, which also showed only the holding page. That means we cannot say whether an account is required before payment. We bought nothing.
The footer names Moneta Funded Ltd. and states that it is registered with the St Lucia Registry of International Business Companies under Registration No. 2025-00532. It gives a registered office in Rodney Bay, Gros-Islet, Saint Lucia. This is a company registration, not a trading licence. We had no register we could query for it, so we did not run a register check. The domain was registered on 2025-05-27 through Gandi SAS.
We read the firm’s Trustpilot profile on 13 November 2026. It scored 4.6/5 from 314 reviews, with 81% five-star and 5% one-star ratings. The company has claimed the profile and had replied to 5 of the 8 newest reviews. The Wayback Machine’s first capture of the domain is dated 2025-07-13. Because the rules, terms and checkout pages would not display for us, we could not confirm their wording beyond what the home page and help center show.
Who it may suit
The 2-Step fits traders who want the most room, with a 10% static drawdown and 1:100 forex leverage. The 1-Step Daily fits disciplined, low-risk traders who value cheap entry and daily cash flow and can work within a 1% daily limit. Instant Pro and Phoenix are the only options for strategies that trade high-impact news. The Sprint suits short-session traders who accept very small targets and loss limits for an on-demand, full-split payout.
Alternatives
| Provider | Score | Fee | Split | Payouts | |
|---|---|---|---|---|---|
| 5.2/10 | $35 | 80% | Monthly | Review | |
| 5.1/10 | $349 | 80% | Weekly Friday | Review | |
| 7.4/10 | $550 | up to 90% | Bi-weekly | Review |