Crypto Fund Trader Review
Crypto Fund Trader is a crypto and forex prop firm offering 1-Phase and 2-Phase evaluations, an 80% split, and trading on Bybit and Match-Trader.
- HQ
- Zug, Switzerland
- Founded
- 2022
- Regulation
- Unregulated
Operated by SWISS RLCRATES AG
Written by the Proptary Team · Updated 28 Oct 2026
Researched with AI assistance and verified by our editors
Overview
Crypto Fund Trader is a crypto and forex prop firm providing 1-Phase and 2-Phase evaluation programs alongside instant funding options, all run on simulated (demo) accounts.
Crypto Fund Trader is operated by SWISS RLCRATES AG, a company headquartered in Zug, Switzerland. The firm's MT5 services are provided by RLCRATES, S.L., while the Swiss entity serves as the payment and marketing agent. The firm's Terms and site footer state that SWISS RLCRATES AG is not authorized or licensed in Switzerland.
Review summary
Pros and cons
What works
4 strengths
- Offers crypto trading directly via Bybit
- Up to 90% profit split with an add-on
- No time limits on any evaluation phase
- News trading and weekend holding are allowed
What doesn't
4 to plan around
- Trustpilot withholds its rating for a guideline breach (Oct 2026)
- PropFirmCircle reported IP-match payout denials (2026)
- Swiss entity not authorized or licensed, per the firm's footer
- Fee refund only within 14 days and before any trade
Cost of entry
Crypto Fund Trader pricing
| Account Size | 2-Phase Price | 1-Phase Price |
|---|---|---|
| $5,000 | $58 | $63 |
| $10,000 | $110 | $120 |
| $25,000 | $240 | $262 |
| $50,000 | $360 | $399 |
| $100,000 | $598 | $656 |
| $200,000 | $1,150 | $1,250 |
The firm charges a one-time fee starting at $58 for a $5,000 2-Phase account. The 2-Phase evaluation is cheaper than the 1-Phase path at every size, costing $598 for a $100,000 account compared to $656 for the 1-Phase path. There are no monthly recurring charges for the challenge. Refunds are limited: you can request one within 14 days of purchase, but you automatically lose that right once you open a position on your demo account.
Rule clarity
Crypto Fund Trader rules
Score85 / 100The firm's 2-Phase challenge has a 5% daily loss limit and a static 10% maximum loss from the initial balance, while the 1-Phase challenge has a 4% daily limit and a 6% trailing maximum loss; on both, drawdown breaches are measured on equity, not balance, even though the Drawdown type field above shows a balance-based label. The daily loss is calculated from the starting balance each day at 12:05 AM UTC, so on the $10,000 2-Phase account a $500 loss fails the challenge. Leverage of up to 1:100 magnifies losses as well as gains: at full leverage, a price move of just 0.05% against you equals a 5% loss, which is the 2-Phase daily loss limit (4% on the 1-Phase challenge). The firm's FAQ bans tick scalping, abusive hedging and hedging between accounts controlled by the same user, so positions opened and closed too quickly can be flagged, and you should read the FAQ before hedging any position.
- Profit target
- 8% then 5% (2-Phase), 10% (1-Phase)
- Max daily loss
- 5% (2-Phase), 4% (1-Phase)
- Max total drawdown
- 10% static (2-Phase), 6% trailing (1-Phase)
- Drawdown type
- Static (Balance-based)
- Min trading days
- 5
- Time limit
- None
- Consistency rule
- Not enforced
- Max leverage
- 1:100
- Scaling plan
- Instant accounts only: simulated account size doubles at each 10% profit Withdrawal & Upgrade, up to $1,280,000
- Platforms
- MT5, Match-Trader, Bybit
- Instruments
- Forex, Crypto, Indices, Commodities, Stocks
- Not accepted from
- —
What a static drawdown means for you
The limit is fixed against the account starting balance and does not move as the account grows or shrinks. It is the most forgiving type: once you are in profit, the same dollar buffer stays in place rather than trailing up behind your equity.
What changes once you are funded
Once you are funded, the core drawdown rules remain exactly the same as the evaluation. You must continue to manage your risk carefully to ensure your daily loss does not breach the 5% threshold (4% on 1-Phase accounts), and all strategy restrictions remain fully active.
Strategy rules
- News trading
- Allowed
- EAs / bots
- Allowed
- Weekend hold
- Allowed
- Hedging
- Not allowed
- Copy trading
- Not allowed
- HFT / tick scalping
- Not allowed
Payout reliability
Crypto Fund Trader payouts
Score25 / 100Crypto Fund Trader offers an 80% profit split, which traders can optionally increase to 90% by purchasing an add-on at checkout. Funded accounts are simulated: the firm's Terms describe them as demo accounts with initial demo capital, and payouts are performance-based rewards the firm calls scholarships, not profits from trades placed with the firm's own capital in a live market. You can request a payout after trading for at least 15 days on the funded account, or alternatively every 30 calendar days (every 7 traded days with the Weekly Payouts add-on), and payouts are paid via bank transfer in EUR or USD or via cryptocurrency. However, PropFirmCircle reported in 2026 that traders had payouts denied citing IP address matches and unverified rule breaches; the firm's Terms prohibit operating multiple accounts from the same household, devices, or IP address and warn that VPNs could lead to IP matches with other users, so avoid logging in from shared networks, VPNs, or public Wi-Fi.
- Profit split
- 80%
- Payout cycle
- Monthly
- Reported payout speed
- 1-2 business days
- Withdrawal fee
- None stated
- Minimum withdrawal
- None stated
- Payout methods
- Bank Wire, Crypto
Customer support
Customer support
Score60 / 100The firm provides support through live chat and email, and its homepage advertises 24/7 support. The contact page says the team usually replies in less than 1 hour. However, some Trustpilot reviewers in October 2026 reported slow replies and poor communication, particularly when following up on payout requests or disputing sudden account closures.
- Channels
- Live chat, Email
- Availability
- 24/7
- Reported response time
- Not enough reports
- Reports collected
- 28 Oct 2026
Track record
Track record and transparency
Score40 / 100Crypto Fund Trader is operated by SWISS RLCRATES AG, which was entered in the Zug commercial register on March 26, 2024. The firm's own Terms and site footer state that SWISS RLCRATES AG is not authorized or licensed in Switzerland. Furthermore, PropFirmCircle reports that in May 2026 the firm was delisted from its prop firm directory following reports of disputed payout refusals. These reported payout disputes make the firm's track record difficult to evaluate.
Community sentiment
Community sentiment
Score20 / 100Community sentiment for this firm is damaged by moderation issues and payout disputes. Trustpilot shows the firm's rating as unavailable due to a guideline breach and says it removed fake reviews (as of October 2026). PropFirmCircle reported in 2026 that a recurring complaint theme is the denial of payouts based on IP matching rules. Some Trustpilot reviewers in October 2026 also reported payouts denied without a proper reason.
Decision
Final verdict
The firm provides access to an extensive range of crypto pairs through Bybit, but its operational record makes it a high-risk choice. Trustpilot showing its rating as unavailable for a guideline breach (as of October 2026) and the firm's own statement that its Swiss entity is not authorized or licensed in Switzerland are significant red flags. Combined with reported complaints about payout denials tied to strict IP matching, these factors outweigh the benefits of its 80% profit split and no-time-limit evaluations. There is currently not enough confirmed evidence of fair treatment to justify the upfront cost.
With a score of 46, this firm is not recommended before paying for an evaluation.
Is Crypto Fund Trader right for you?
This firm is suited only for crypto-focused traders who specifically want to use Bybit and are comfortable taking on significant counterparty risk with their evaluation fee. It is entirely unsuitable for traders seeking a documented payout history, as the risk of account closure over IP rules remains high.
Who should trade with Crypto Fund Trader?
Traders who prioritize crypto assets and flexible holding rules might find the platform appealing, provided they are willing to accept the documented risks. Anyone relying on these funds for consistent income should look elsewhere, as the strict IP match enforcement can easily end a challenge.
Questions
FAQ
Who operates Crypto Fund Trader, and is it regulated?
Crypto Fund Trader is operated by SWISS RLCRATES AG, a company registered in the commercial register of Zug, Switzerland, but the firm's Terms and site footer state that the company is not authorized or licensed in Switzerland, and it carries reported operational risks. As of October 2026, Trustpilot showed its rating as unavailable due to a guideline breach and said it had removed fake reviews. Some traders have also reported disputed payout refusals.
How often can I withdraw profits at Crypto Fund Trader?
You can request a payout from your funded account after trading for at least 15 days, or alternatively every 30 calendar days, as long as no program rules have been violated. With the Weekly Payouts add-on, you can request a payout every 7 traded days. Payouts are sent via bank wire or cryptocurrency transfers.
What is the maximum payout at Crypto Fund Trader?
The firm does not state a maximum cap on trader payouts from funded accounts. You can receive your 80% profit split as long as your account remains compliant with the program rules, such as the 5% daily loss limit and the 10% maximum loss limit on 2-Phase accounts. However, simulated profit is capped at $10,000 per day and per trade, and any amount above that limit may be deducted.
When is my first payout at Crypto Fund Trader?
Your first payout is eligible after 15 active trading days or 30 calendar days on the funded account. You must generate positive net profits above the starting balance. At the same time, keep losses within the 5% daily limit and the 10% overall loss limit on 2-Phase accounts (4% daily and a 6% trailing drawdown on 1-Phase accounts).
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Before you pay
Many prop firms operate without a financial services license. They argue that traders use simulated accounts and the firm risks its own capital, so no client money is held and no license is required. That arrangement is common in this industry, but it also means no regulator supervises the firm and there is no compensation scheme if it stops paying. What matters instead is whether the company behind the brand is named and traceable, and whether it has a payout record you can check.
This page is for information only and is not investment or trading advice. Trading through a funded or proprietary trading program carries real risk, including the loss of evaluation fees and any funded account. Rules, pricing, and payout terms vary by firm and can change without notice. A Proptary Grade reflects our most recent check and may not capture very recent changes, so confirm current terms directly with the firm before buying an evaluation.
Before you pay
Many prop firms operate without a financial services license. They argue that traders use simulated accounts and the firm risks its own capital, so no client money is held and no license is required. That arrangement is common in this industry, but it also means no regulator supervises the firm and there is no compensation scheme if it stops paying. Proptary is not a financial institution, not an investment adviser, and is not supervised by any financial regulator.
Nothing here is advice. Our grades, scores and write-ups are information only. They are not investment or trading advice, not a recommendation to buy an evaluation, and not tailored to your circumstances. Read the firm’s own terms and decide for yourself.
A grade is not a guarantee. A Proptary Grade summarises the evidence we were able to verify on the date shown. It is not a measure of the firm’s financial strength, not a promise that it will pay you, and not an assurance that it will still be operating next month. Payout records, review scores and support times we cite are historical evidence, never a forecast.
The fee is at risk from the moment you pay it. An evaluation buys an attempt, not an account. Most traders do not pass. Breaching a drawdown or consistency rule can cost you the entire fee and any funded account, with no refund.
Prices and rules change without notice. Firms change fees, rules and payout terms, sometimes days after we check. Confirm the current terms on the firm’s own site before you pay for anything. Proptary is not liable for losses arising from reliance on information published here.
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