FundedNext Review: rules, challenges and payouts

Platforms4

• MT4MT4
• MT5MT5
• cTradercTrader
• Match-TraderMatch-Trader

The details

Data feed / broker

FundedNext's own MT4/MT5/cTrader/Match-Trader licences with aggregated liquidity-provider pricing

Assets

FXIndicesMetalsEnergyCryptoStocks

Instruments

46 forex pairs, indices (SPX500, NDX100, GER30, US30 and more), gold, silver and US oil, crypto (BTC, ETH, XRP and more) and US stock CFDs (AAPL, NVDA, TSLA and more).

Leverage and limits

Stellar 2-Step and Lite: challenge forex 1:100, indices and commodities 1:25; funded forex 1:100, indices and commodities 1:15. Stellar 1-Step: challenge forex 1:30, indices 1:10, commodities 1:15; funded forex 1:30, indices and commodities 1:10. Stellar Instant: forex 1:30, indices 1:5, commodities 1:7.5. Crypto 1:1 and stocks 1:2 everywhere. No maximum lot size, but heavy margin use can be flagged as risky.

Commissions

Raw spreads from 0.0 pips. Forex and oil $5 per lot (Stellar 1-Step, 2-Step) or $7 (Lite, Instant); metals 0.0016% of notional (Lite 0.0018%); crypto 0.04%; stocks 0.004%. FundedNext says commission is charged per side. Swaps count toward the daily and maximum loss.

Max allocation

$300K$300,000 across funded Stellar 1-Step, 2-Step and Lite accounts (Lite alone $200,000; Stellar Instant $20,000). Residents of Taiwan and seven other countries are capped at $50,000 in total. Scale-up can take a single account to $4,000,000.

Legal entity

GrowthNext F.Z.E.

1. 01

   Maximum loss: a fixed floor from the starting balance

   Strict

   On Stellar 2-Step, 1-Step and Lite, balance or equity may never drop below the starting balance minus 10%, 6% or 8%. The floor does not move, so profit widens your cushion. It applies in the challenge and once funded, and touching it on floating loss ends the account.

   Example

   On a $100,000 Stellar 2-Step the floor is $90,000. Once you are $4,000 up, you can lose $14,000 before touching it.

2. 02

   Daily loss: a fixed amount from the day's starting balance

   Strict

   The daily limit is a fixed share of the starting balance: 5% on 2-Step, 3% on 1-Step, 4% on Lite, measured from the previous day's closing balance and reset at 00:00 server time. Closed and floating losses, swaps and commissions all count. Profit made earlier in the day adds room, but the limit itself does not grow with the account.

   Example

   A $100,000 Stellar 2-Step starts the day at $110,000. The limit is still $5,000, so equity must stay above $105,000 that day.

3. 03

   Stellar Instant: a trailing floor that never comes down

   Strict

   Stellar Instant has no daily limit, but its 6% maximum loss trails your highest balance until it reaches the starting balance, then stops. Losses and rewards never lower it, so every withdrawal narrows your buffer, and after a reward it trails again from the first dollar of new profit.

   Example

   On a $10,000 account the floor starts at $9,400. At $10,200 it is $9,600. Withdraw $100 and your $10,100 balance sits against the same $9,600 floor, a $500 buffer.

4. 04

   Funded accounts: no more than 3% risk at any time

   Strict

   On every funded account, the potential loss of open positions (by stop-loss, or realised plus floating loss) may not exceed 3% of the starting balance at any time, with split orders on one idea counted together. A first breach brings a warning and removes that trade's profit; a second does the same and cuts your limit to 1% for good.

   Example

   On a $50,000 funded account the cap is $1,500. Two EUR/USD buys with stops risking $900 each total $1,800, so the profit from both is deducted and a warning issued.

5. 05

   News: only 40% of the profit counts once funded

   Watch out

   News trading is unrestricted in the challenge. On funded Stellar accounts (Instant included), trades opened or closed from 5 minutes before to 5 minutes after a listed high-impact release count only 40% of their profit; losses count in full, and a partial close taints the whole order. The adjustment is made when the cycle ends.

   Example

   A funded trader makes $10,000 in a cycle plus $3,000 from news-window trades. Only $1,200 of the $3,000 counts, so the cycle profit is $11,200.

6. 06

   Quick Strike: trades closed within 30 seconds

   Watch out

   Profit from trades closed within 30 seconds of opening must stay under 30% of the cycle's profit (winning trades only). In the challenge, 20% brings a warning and 30% freezes your progress until it falls back. Once funded, reaching 30% after a warning deducts that profit, and if it is still 30% at cycle end the account is terminated.

   Example

   You hit the $8,000 Phase 1 target on a $100,000 account, but $3,200 came from trades under 30 seconds, which is 40%. You advance only once total profit passes about $10,667.

7. 07

   2-Step and Lite: the payout option is locked at checkout

   Good to know

   At checkout you pick one, for good: first reward after 21 days, then every 14, at 80%; 3 Winning Days of 1%+ each, at 60%; or On-Demand once you are 2% up with no day above 40% of total profit, at 90%. A Bi-Weekly add-on gives 14-day rewards from the start.

   Example

   On a $50,000 On-Demand account with $2,500 profit, your best day may be at most $1,000.

8. 08

   $50,000 and up: manual trading only, no VPS

   Watch out

   Accounts of $50,000 and up must be traded by hand from your own device: no EAs, bots, SL/TP management tools or VPS. Below $50,000, EAs and VPS are allowed on MT4/MT5 for a fee; cTrader and Match-Trader never allow EAs. Each EA needs its own settings, with $300,000 maximum per strategy.

9. 09

   30 days idle deactivates; finish KYC within 30 days

   Good to know

   An account with no trade for 30 consecutive calendar days is deactivated, and a passed challenge without KYC completed within 30 days is voided. The challenge itself has no time limit.

Trading styles

• News trading

  With conditions

  Free in the challenge; once funded, only 40% of profit from trades within 5 minutes of high-impact news counts.

• EAs / bots

  With conditions

  Only on MT4/MT5 accounts under $50,000, for a fee; never at $50,000+ or on cTrader/Match-Trader. Challenge-passing EAs are banned.

• Copy trading

  With conditions

  Between your own challenge accounts (or your own Instant accounts); never involving funded accounts, and never with other people.

• Hedging

  With conditions

  Within the same account only; hedging across accounts is banned.

• Holding overnight

  Allowed

  Swaps apply and count toward the daily loss.

• Holding over the weekend

  Allowed

  Triple swap on Wednesday for forex and commodities, Friday for indices, crypto and stocks.

• Scalping

  With conditions

  Allowed, but tick scalping and HFT are banned, and trades closed within 30 seconds fall under the Quick Strike cap.

1. 01 · First payout

   Stellar 1-Step: 5 business days after your first funded trade. Stellar 2-Step and Lite: 21 days on the standard option, after 3 winning days, or on demand, depending on what you bought. Stellar Instant: on demand at 5% growth, or after 14 days with at least 1%.

2. 02 · After that

   1-Step every 5 business days; 2-Step and Lite every 14 days on the standard option; Instant on demand or bi-weekly. Requests are processed within 24 hours of approval, and FundedNext promises $1,000 if it misses that.

3. 03 · Profit split

   80% on 1-Step, 2-Step and Lite (60% on 3 Winning Days, 90% On-Demand); 90% after scale-up; 95% with the Lifetime add-on. Instant 70%, then 80% from tier 3.

Minimum

$20 per request; below that, the amount rolls into the next reward.

Caps

Per-request rail limits: USDT/USDC up to $1,999 (where Rise is available), bank transfer $1,000–$50,000, card $20–$3,000; RiseWorks has no maximum.

Payout methods

• Crypto (USDT ERC20/TRC20, USDC ERC20)
• RiseWorks
• Confirmo
• Bank transfer
• Card
• FNmarkets deposit

Before you can request

• The account must be in profit for the cycle; a processing fee of up to 3.5% applies.
• Request in the dashboard and confirm with an email OTP; 3 Winning Days and On-Demand rewards first move to your FundedNext Wallet.
• On-Demand needs 2% growth and no day above 40% of total profit; 3 Winning Days needs three days of 1%+.
• Instant needs at least 1% growth per cycle; on-demand needs 5% at the end-of-day check, with no new trade placed before transferring.
• Before the reward is calculated, news-window profit is cut to 40%, and Quick Strike or 3%-risk-breach profit may be removed.

What we read

1. 01FundedNext plans and pricing
2. 02Stellar 2-Step Challenge
3. 03Stellar 1-Step Account
4. 04Stellar Lite Account
5. 05Stellar Instant Account
6. 06Restricted countries
7. 07How many accounts can I have (allocation, Taiwan cap)
8. 08Stellar October starter offer (STOCT)
9. 09Risk limits on a FundedNext Account
10. 10News trading
11. 11Quick Strike parameter
12. 12Minimum Performance Reward and rail limits
13. 13CFD symbols, leverage and commissions
14. 14FundedNext Pro scale-up
15. 15Company and legal entities

XSR may earn a commission when you buy with a partner code; it never changes the order of firms. Prop-firm evaluations are simulated accounts sold as a product — most buyers do not pass, and no firm is regulated as a category. Nothing here is investment advice.