Finotive Funding Review
Finotive Funding offers 1-step, 2-step, and instant simulated accounts with static drawdowns up to $200K, backed by weekly Friday payouts via Finotive Pay.
- HQ
- Dubai, UAE
- Founded
- 2021
- Regulation
- Unregulated
Operated by Finotive Funding Technologies Limited
Written by the Proptary Team · Updated 28 Oct 2026
Researched with AI assistance and verified by our editors
Overview
Finotive Funding is a multi-asset proprietary trading firm offering 1-step challenges, 2-step evaluations, and instant funding accounts across forex, commodities, indices, and crypto markets.
The firm was launched in 2021 and maintains headquarters in Dubai, United Arab Emirates, within the broader Finotive One ecosystem. You sign up with Finotive Funding Technologies Limited, a non-regulated company registered in the Dubai International Financial Centre (company number 11088). Its listed director is Henry Oliver Newland. Finotive's own legal disclosure says its affiliate, Finotive Markets (MU) Limited, holds regulatory permissions from the Financial Services Commission of Mauritius; that affiliate is not the company that sells the challenges, so the licence does not extend to the firm itself.
Review summary
Pros and cons
What works
4 strengths
- The static maximum drawdown stays fixed to the initial account balance across challenge phases, so the floor never trails your profits.
- Weekly Friday profit reward distributions via the proprietary Finotive Pay wallet with on-demand initial requests.
- Customer support advertised as 24/7 through website live chat and email alongside an active community Discord.
- Account formats include 1-step, 2-step, Pro, and instant funding programs, which suit different risk appetites.
What doesn't
4 to plan around
- As of October 2026, Trustpilot lists the company's rating as unavailable due to a breach of its guidelines and says it removed a number of fake reviews.
- Contractual strike policy penalizes notional volume breaches by reducing trader reward payments down to 10% for that cycle.
- Funded accounts add a 2% per-symbol floating drawdown limit, and a breach records a strike and cuts that cycle's payout to a 10% split.
- Five cumulative strikes from soft-breach rules such as floating drawdown, notional volume, HFT or liquidity abuse result in permanent account closure.
Cost of entry
Finotive Funding pricing
| Account Size | Assessment Fee | Profit Target (Phase 1 / Phase 2) | Daily Loss Limit | Max Static Drawdown |
|---|---|---|---|---|
| $2,500 | $30 | $187.50 (7.5%) / $125 (5.0%) | $112.50 (4.5%) | $225.00 (9.0%) |
| $5,000 | $55 | $375.00 (7.5%) / $250 (5.0%) | $225.00 (4.5%) | $450.00 (9.0%) |
| $10,000 | $100 | $750.00 (7.5%) / $500 (5.0%) | $450.00 (4.5%) | $900.00 (9.0%) |
| $25,000 | $225 | $1,875.00 (7.5%) / $1,250 (5.0%) | $1,125.00 (4.5%) | $2,250.00 (9.0%) |
| $50,000 | $440 | $3,750.00 (7.5%) / $2,500 (5.0%) | $2,250.00 (4.5%) | $4,500.00 (9.0%) |
| $100,000 | $595 | $7,500.00 (7.5%) / $5,000 (5.0%) | $4,500.00 (4.5%) | $9,000.00 (9.0%) |
| $200,000 | $995 | $15,000.00 (7.5%) / $10,000 (5.0%) | $9,000.00 (4.5%) | $18,000.00 (9.0%) |
Assessment fees begin at $30 for an entry-level $2,500 standard two-step challenge account (list price, before promo codes), while the FX-only Two-Step Solo plan starts at $12.50. Traders purchasing standard evaluation plans pay a one-time assessment charge rather than recurring monthly platform subscriptions, with fees scaling steadily across account tiers up to $995 for the flagship $200,000 account size. Pro versions of the one-step and two-step challenges, which add a monthly salary for consistent trading, and a swap-free add-on (where eligible) are also offered, with paid Rapid Resets and Account Refreshes available separately. Challenge fees are refunded automatically if the account reaches funded status and remains in net profit on the 30th day after funding.
Rule clarity
Finotive Funding rules
Score75 / 100The firm operates a two-step challenge structure requiring a 7.5% target in Phase 1 and 5% in Phase 2 under a static drawdown model. Daily loss limits reset every day at 5:00 p.m. New York time, based on the previous day's closing balance, with open equity and floating losses included, and breaching either the daily threshold or the static maximum floor closes the account permanently. Automated trading and news execution are allowed, but notional volume, the combined value of your open trades, is capped by account size, and each breach of a soft rule such as the notional volume limit adds a strike to your account. A leverage of up to 1:100 magnifies losses as well as gains, so a small adverse move can use up the daily loss limit or the maximum drawdown, end the evaluation account, and cost you the fee.
- Profit target
- 7.5%
- Max daily loss
- 4.5%
- Max total drawdown
- 9%
- Drawdown type
- Static (Balance-based)
- Min trading days
- 2
- Time limit
- None
- Consistency rule
- Not enforced
- Max leverage
- 1:100
- Scaling plan
- Yes, up to $2M
- Platforms
- MT5, Match-Trader
- Instruments
- Forex, Metals, Indices, Commodities, Crypto, 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
Daily and maximum drawdown limits stay the same in the funded stage, but a 2% per-symbol floating drawdown threshold is enforced, and floating drawdown, notional volume, HFT and liquidity-abuse findings each add a strike and reduce that cycle's reward payment to 10%.
Strategy rules
- News trading
- Allowed
- EAs / bots
- Allowed
- Weekend hold
- Allowed
- Hedging
- Not stated
- Copy trading
- Allowed
- HFT / tick scalping
- Not allowed
Payout reliability
Finotive Funding payouts
Score35 / 100The firm disburses an 80% default profit split on challenge accounts on a weekly schedule, with initial rewards accessible on demand. Processed funds flow through the proprietary Finotive Pay wallet, allowing users to direct withdrawals through bank transfers, Revolut, PayPal, or cryptocurrencies including USDT and Bitcoin. Withdrawals from Finotive Pay are processed every Friday, reward payment requests undergo compliance review where risk parameters are audited, and the minimum payout request is 1% of the initial account balance. Traders subject to soft-breach strikes or notional volume flags face contractual reward reductions down to 10% for that cycle.
- Profit split
- 80%
- Payout cycle
- Weekly
- Reported payout speed
- —
- Withdrawal fee
- None stated
- Minimum withdrawal
- 1% of initial account balance
- Payout methods
- Bank Wire, Crypto, Revolut, PayPal
Customer support
Customer support
Score85 / 100The firm provides trader assistance through website live chat, email at support@finotivefunding.com and an official community Discord server, and its homepage advertises 24/7 customer support. Public feedback regarding typical response turnaround remains limited across independent discussion platforms. Matters not resolved through support can be escalated to complaints@finotivefunding.com, and trading-rule appeals must be submitted within 48 hours of the enforcement action.
- Channels
- Live chat, Email, Discord
- Availability
- 24/7
- Reported response time
- Not enough reports
- Reports collected
- 28 Oct 2026
Track record
Track record and transparency
Score95 / 100The firm launched operations in 2021, initially providing simulated prop challenges before expanding its corporate footprint into the Dubai International Financial Centre. According to a FastBull report, in July 2025 the Cyprus regulator CySEC added the firm's primary domain to its unauthorized warning register regarding investment services within Cyprus. In 2026, The Industry Spread reported trader disputes over post-funding strike mechanisms that reduced reward distributions down to 10%.
Community sentiment
Community sentiment
Score20 / 100Public community feedback surrounding the firm presents a polarized picture across third-party platforms. As of October 2026, its Trustpilot rating was suspended due to a breach of Trustpilot's guidelines, and Trustpilot says it removed a number of fake reviews. According to a Propvator payout guide, the firm offers weekly Friday distributions through Finotive Pay, which matches the firm's own payouts page. However, one trader on Reddit's r/PropFirmTester reported significant reward reductions tied to behavioral strikes and discretionary rule enforcement during payout processing; this is a personal account, not a verified finding.
Decision
Final verdict
The firm offers a structurally appealing challenge model distinguished by balance-based static drawdowns, weekly reward processing, and an integrated proprietary wallet. Nevertheless, Trustpilot's October 2026 guideline-breach notice on its rating, a CySEC warning-list entry reported by FastBull in July 2025, and contractual strike clauses that reduce payouts to 10% call for caution. Keep your position sizes and leverage well inside the firm's exposure limits, or you risk behavioral penalties that cut your payout.
With a score of 62, caution is recommended before paying for an evaluation.
Is Finotive Funding right for you?
This program is appropriate for disciplined day and swing traders who prioritize fixed static drawdowns over trailing calculations and value weekly payouts. It is not suitable for aggressive position scalpers, news straddlers, or heavy lot-size traders whose exposure may breach notional volume limits.
Who should trade with Finotive Funding?
Traders seeking a clear static loss floor who trade liquid forex pairs with modest position sizing will find the program conditions functional, provided they maintain complete documentation of their trading setups.
Questions
FAQ
Who operates Finotive Funding, and is it regulated?
The brand has operated since 2021 and is now run by Finotive Funding Technologies Limited, registered in the Dubai International Financial Centre in 2025 as a non-regulated entity. It is not a regulated financial broker; as of October 2026 Trustpilot lists its rating as unavailable due to a guidelines breach, and a July 2025 FastBull report said CySEC added its website to a warning list.
What are the drawdown rules at Finotive Funding?
The firm applies a static maximum drawdown of 9% and a daily loss limit of 4.5% on its standard two-step challenge accounts. The drawdown floor remains fixed to your initial balance and never trails upwards, although breaching notional volume exposure limits can cut your reward payment to 10%.
How does payout work at Finotive Funding?
Approved payouts are credited to the Finotive Pay wallet, and withdrawals from Finotive Pay are processed every Friday; the first payout is available on demand, then every 7 days. Traders can withdraw their profits through direct bank transfer, Revolut, PayPal, or cryptocurrencies including USDT and Bitcoin, and the minimum payout request is 1% of the initial account balance.
What is the profit split at Finotive Funding?
The default profit split is 80% on standard challenge accounts, which can scale up to 95% as you progress through their scaling roadmap. Traders must successfully maintain risk limits and avoid soft-breach strikes, as notional volume violations temporarily reduce your profit share to 10% for that cycle.
What platforms are available at Finotive Funding?
The firm provides simulated account access primarily through MetaTrader 5 (MT5) and Match-Trader. Account credentials and trading servers are managed directly through the proprietary Finotive dashboard, allowing traders to execute manual trades or deploy personally developed Expert Advisors without requiring third-party broker 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.
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