RZR Funded is the current name of the prop firm formerly known as Hantec Trader. It sells CFD trading evaluations and instant-funded accounts under seven program names, from a 24-hour Instant24 account to a three-step Endurance challenge. The operating entity is RZR Funded Limited in St. Lucia. Hantec Trader launched in December 2023, and the firm presents itself as backed by Hantec Group’s 35 years in financial markets. In short, RZR Funded offers a wide range of account sizes and a published payout approval guarantee. Its funded accounts carry strict limits, including a 3% open-risk cap, a default news blackout and an 80% base profit split.
From Hantec Trader to RZR Funded
The rebrand was announced as a change of identity, not of terms. The firm said existing accounts and trading conditions would stay the same, and it described RZR Funded as a standalone prop trading brand with room to develop products and enter new markets. If you bought a Hantec Trader challenge, it continues under the RZR Funded name.
Before the rename, Hantec Trader made three announced changes that still shape the offer:
- A payout approval guarantee: eligible reward requests are approved within 24 business hours. If the firm misses that window, it doubles the reward, up to $1,000.
- A wider add-on menu across challenges, including news trading, no minimum trading days and first payout on demand.
- Removal of the 85% margin cap.
The firm also opened access to traders in Canada with the same account levels and published conditions. Residents and citizens of the US cannot buy any program, while residents of the UK, Mauritius, Hong Kong and Singapore are excluded only from the Instant programs.
The firm reports $6,000,000 in total payouts and a 10-hour processing time. Both are firm-reported figures and have not been independently verified.
Programs and how they differ
RZR Funded groups its accounts by the number of evaluation steps.
Instant accounts: Instant24, Instant Lite and Instant Funding
All three instant programs give a funded account with no profit target, but they work very differently.
Instant24 is a short-cycle product. The $2K configuration has a 2% daily loss and a 3% maximum loss. The time limit is 24 hours from the first trade, and a payout becomes available once that window closes, provided the conditions are met:
- at least 3% profit,
- a 15% best-trade consistency rule,
- a full withdrawal of available profit (partial withdrawals are not allowed).
Instant24 also has the tightest position rules of any program. Only one position may be open at a time, and opening a second position closes all trades automatically, which the firm records as a soft breach. All open trades are closed automatically at 23:45 server time on Friday.
Instant Lite on the $1K configuration has a 3% daily loss and 5% maximum loss. Its funded terms ask the most of a trader before payout:
- a 20% best-day consistency rule, raised to 25% with the Consistency Rule +5% add-on,
- at least five profitable days of 0.5% or more per payout cycle,
- a buffer rule: the first 3% of profit stays in the account and cannot be withdrawn, though it still counts in the consistency calculation.
The maximum total loss trails the closed balance. It locks at the initial balance once the account reaches 5% profit or after the first payout, whichever comes first. After that lock, the account can lose its accumulated profit but not go below the starting balance.
Instant Funding on the $1K configuration has a 6% daily loss and 6% maximum loss, and no consistency rule. Its maximum total loss also trails and locks at the initial balance, at 6% balance growth or after the first payout, whichever comes first.
Instant Funding and Instant Lite share a weekend restriction. Trades must be closed by Friday at 23:45 GMT+3 unless you buy the Hold Over Weekend & News Trading add-on.
Express: one step
Express is the one-step evaluation. The $2K configuration has a 10% profit target, 5% daily loss and 6% maximum loss, with the maximum loss trailing the balance. On the funded account, the trailing limit locks at the initial balance at 6% growth or after the first payout. There is no consistency rule.
Enhanced and EnhancedX: two steps
Both two-step programs come in sizes from $2K to $200K. Their funded terms differ.
Enhanced starts with a maximum total loss fixed 10% below the starting balance. After the first payout, the limit moves up and locks at the initial account balance. Each withdrawal cycle requires at least three profitable days of 0.5% or more, and the count resets after every withdrawal. The No Minimum Profitable Days add-on removes this requirement.
EnhancedX is the program with the 35% best-day consistency rule. The rule applies in both evaluation stages and on the funded account, and an add-on can remove the evaluation-stage requirement. Funded-stage payout conditions are stricter than on Enhanced:
- at least 2% profit before requesting a payout,
- a minimum payout of 2% of the starting balance,
- a full withdrawal of available profit.
In exchange, the maximum total loss stays fixed at 8% below the starting balance and does not reset after a payout.
Endurance: three steps
Endurance runs from $5K to $200K. Its funded account uses a static maximum total loss 8% below the starting balance that does not reset after a payout, and there is no consistency rule.
At the same account size, Endurance is priced below the two-step programs. At $10K, the prices are $49 for Endurance, $99 for Enhanced and $119 for EnhancedX.
Leverage by asset class
The firm publishes the same leverage for its instant, one-step and two-step programs.
| Asset class | Instant | 1-Step | 2-Steps |
|---|---|---|---|
| FX | 1:50 | 1:50 | 1:50 |
| Metals | 1:10 | 1:10 | 1:10 |
| Indices | 1:15 | 1:15 | 1:15 |
| Crypto | 1:1 | 1:1 | 1:1 |
| Other commodities | 1:15 | 1:15 | 1:15 |
The firm supports MT4 and MT5.
Costs and discounts
Every challenge is a one-time fee, and discount codes, including any Hantec Trader or RZR Funded code, are applied at checkout.
Add-ons are where the total cost can climb. The optional upgrades are:
- 95% Reward Share (all programs): raises the profit split from 80% to 95%.
- Weekly Payout (Express, Enhanced, EnhancedX, Endurance, Instant Funding, Instant Lite): shortens the payout cycle from 14 days to 7.
- First Payout on Demand (Express, Enhanced, EnhancedX, Endurance): allows an earlier first payout from the first funded day, subject to eligibility.
- No Minimum Profitable Days (Enhanced): removes the profitable-day requirement.
- Consistency Rule +5% (Instant Lite): raises the consistency threshold from 20% to 25%.
- News trading and weekend holding add-ons, which lift those restrictions where they apply.
Payouts
On every program except Instant24, the first payout becomes available 14 days after the first trade, and later payouts follow every 14 days, or every 7 days with the Weekly Payout add-on.
The minimum payout is $20 on most programs. EnhancedX instead sets its minimum at 2% of the starting balance.
Withdrawal options include cards, PayPal, Skrill, Neteller, Apple Pay and bank wire, plus regional rails such as M-PESA, Pix and Korapay.
Rules that can end an account
The firm divides violations into soft breaches, which close trades, and hard breaches, which end the account. Several of the strictest rules apply only to funded accounts.
Maximum open risk. On funded Express, Enhanced, EnhancedX, Endurance and Instant Funding accounts, combined floating loss across open positions cannot exceed 3% of the starting balance at any time. Instant Lite and Instant24 cap it at 1%. Breaking the limit is a hard breach.
This cap is separate from the daily and maximum loss limits. For example, on a $10K funded Enhanced account, two open trades at a combined $310 floating loss would breach the 3% cap ($300) even if neither the daily nor the total loss limit has been reached.
Same trade idea. Opening several trades on one idea to improve a consistency score or get around the open-risk cap is prohibited. Reopening a trade in the same direction and product within 5 minutes of closing the previous one counts as the same idea (Instant24 uses 10 minutes). Identified violations are hard breaches.
Scalping. Trades held 3 minutes or less count as scalping. They may make up no more than 30% of total profits. Exceeding that share can lead to a challenge reset, or to a requirement to keep trading until scalping profits fall to 30% or below.
Overleveraging, overexposure and one-sided betting. These cover oversized positions, too much combined or correlated risk, and trading heavily in one direction or on one idea. Penalties range from a warning to placement in the Risk Management Group or account closure.
Risk Management Group. Traders the firm identifies as using prohibited or high-risk strategies can be moved here. The group trades with reduced funded leverage: FX 1:30, indices and commodities 1:5, metals 1:3 and crypto 1:1. A trader can request a review after three successful payouts on a single account following placement.
News trading. News trading is allowed during evaluations. On funded accounts, you cannot open or close trades within 3 minutes before or after red-folder events on the Forex Factory calendar unless you buy an eligible News Trading add-on. Instant24 is the exception and permits news trading.
Weekend holding. Allowed on Express, Enhanced, EnhancedX and Endurance, both in the challenge and once funded. The instant programs restrict it as described above.
EAs and copy trading. Expert advisors are prohibited on all instant accounts and are limited to eligible MT5 accounts. They must run a genuine, uniquely configured strategy. Default or widely shared settings are not accepted, and each EA or strategy can be allocated no more than $400,000. Copy trading is allowed only between your own challenge accounts, with combined linked capital up to $400,000.
Inactivity. At least one trade must be placed every 30 days. Thirty consecutive days without a trade is a hard breach and terminates the account.
Strengths and trade-offs
What works in the firm’s favor:
- A wide price ladder, from very small instant accounts up to $200K evaluations.
- Three programs with no consistency rule (Express, Enhanced, Endurance) alongside Instant Funding.
- Weekend holding on all evaluation-based programs.
- A published 24-business-hour approval guarantee with a doubling penalty.
- Withdrawal rails that reach traders outside card-heavy markets.
Where the costs sit:
- The 80% base split needs a paid add-on to reach 95%.
- The 3% open-risk cap limits floating loss on funded accounts regardless of daily or total loss headroom.
- The news blackout applies by default once funded.
- Same-idea and one-sided betting rules give the firm discretion over what counts as a violation.
- The instant programs add extra restrictions, including Friday closes and no automation.
How we checked RZR Funded
We visited rzrfunded.com on 13 November 2026, connecting from Tallinn, Estonia. We opened the homepage and clicked through the Instant plan tabs for the $5k, $10k, $25k and $50k sizes, then followed the footer links to About Us and Terms & Conditions. Along the way we also read the scaling plan, rewards, platforms and refund policy pages, plus the help center articles on programs and general trading rules. The footer names three companies. HM Provider Limited is listed as a UK support company under number 14429485. RZR Funded Limited appears twice, as Company No. 2026-00682 in Saint Lucia and as Company No. C191400 in Mauritius.
Prices were visible without logging in. The homepage showed the one-step Express at $39 for the $2k size, with a 10% profit target, a 5% daily loss limit and 0 minimum trading days. It listed the three-step Endurance at $29 with a 6% target. Checkout was another matter. Clicking “Sign Up” sent us to dashboard.rzrfunded.com, where you need an account before any price or payment step, so we stopped there. One mismatch stood out. The refund policy page says “We do not provide refunds for any Services purchased from the Company,” yet the terms allow a refund within 14 days of purchase if no trading has occurred on the account.
On Companies House, the UK company register, HM PROVIDER LIMITED came up under number 14429485, status Active, incorporated 19 October 2022, at 12 Kinghorn Street, London. Our search of Companies House did not return RZR Funded Limited. That is not surprising. The site places that company in Saint Lucia and Mauritius, not the UK.
Trustpilot showed 4.3/5 from 877 reviews when we read it on 13 November 2026. The Wayback Machine’s first capture of the homepage is dated 2026-10-19, and the domain itself was registered on 2026-07-28. We did not search the Saint Lucia or Mauritius registers, so neither RZR Funded Limited registration has been confirmed by us. The payout totals and processing times remain the firm’s own figures.
Who it may suit
The two-step and three-step programs fit swing traders who hold over weekends and keep combined open risk small. Endurance suits a trader who wants no consistency rule and a drawdown that never trails, at the cost of an extra evaluation stage.
Instant24 is built for one focused position at a time within a single day and is a poor fit for anyone who scales into trades, runs EAs or holds several correlated positions.
Alternatives
| Provider | Score | Fee | Split | Payouts | |
|---|---|---|---|---|---|
| 7.7/10 | $522 | Up to 100% | Bi-Weekly | Review | |
| 7.8/10 | $172 | 90% | DLL Off: Every 5 Days | DLL On: On demand, as soon as all pa | Review | |
| 7.9/10 | $149 | 75%-25% | — | Review |