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Forex prop firm· review & rules
A Dubai sim-funder with all-static drawdowns, no consistency rule on Challenge/Instant, and a Pro tier paying a 100% split plus a 1% monthly salary. The sleeper trap is the tiered Notional Volume limit — oversize a funded trade and you take a 'strike' that cuts your next payout to 10%, plus a brutal 72-hour KYC deadline with no second chance.
Static drawdowns and no consistency rule on the mainstream plans make Finotive easy to trade — but the notional-volume strike system and the 72-hour KYC deadline are unforgiving.
Pros
Watch out
Best for: Traders who like static drawdowns and no consistency rule, and who size conservatively — especially anyone targeting the Pro salary tier with disciplined volume.
Bottom line: Forgiving on drawdown and consistency, strict on volume and KYC — keep position sizes inside the notional caps and clear KYC fast.
| Account sizes | $2.5K – $200K (Instant to $100K) |
| Profit split | Challenge 80–95%; Instant 70–90%; Pro 100% + salary |
| Max scaling | $2.04M (Challenge/Pro); $680K (Instant) |
| Platforms | MT5, MT4, Match-Trader |
| Instruments | Forex, Metals, Indices, Crypto |
| Payouts | First payout on-demand; then 7-day cycle (Instant Lite 14-day); $10 min |
| Plan | Type | Max DD | Daily | Targets | Min days |
|---|---|---|---|---|---|
| Challenge 1-Step | 1-Step | 7.5% static | 4% | 10% | 3 |
| Challenge 2-Step | 2-Step | 9% static | 4.5% | 7.5% → 5% | 2 |
| Instant Standard | Instant | 7% static | 3.5% | — | 0 |
Every Finotive program uses a STATIC max loss that never trails: 7.5% on Challenge 1-Step, 9% on Challenge 2-Step, 7% on Instant Standard, 6% on Instant Lite, 10% on Pro. Instant accounts also carry a 1.5% floating-drawdown threshold (a buffer/lock on floating profit).
Gotcha: Older review sites still quote a flat '10%/5%' ruleset — those numbers are stale; use the per-plan static figures above.
4% (Challenge 1-Step), 4.5% (Challenge 2-Step), 3.5% (Instant Standard), 3% (Instant Lite), 5% (Pro). Measured against the previous trading day's closing balance, with the trading day boundary at 17:00 New York time.
A tiered cap on total notional exposure (≈5,000% of balance for $2.5k accounts down to ≈1,000% for $200k). Exceeding it on a FUNDED account issues a 'strike', and each strike cuts your NEXT payout to 10% (a 90% haircut) — it doesn't void the account.
Gotcha: This is the biggest sleeper trap: oversizing doesn't fail you, it quietly guts your payout by 90%.
Challenge and Instant accounts have NO consistency rule. Pro accounts must keep trade count and per-instrument volume within ±25% of the averages from the Challenge phase and first 30 funded days, checked on a rolling 7-day basis after 30 days.
Gotcha: Breaching Pro consistency doesn't void the account — it silently downgrades you to a standard funded account (you lose the 100% split and salary).
Permitted with restrictions. Asymmetric, straddled or volatility-exploitative strategies around Red/Amber-impact events (Forex Factory calendar) designed solely to catch the spike are prohibited; structured, risk-defined trading through news is fine. No fixed lockout-minutes window — the line is drawn by strategy type.
Instant accounts: non-crypto positions must be closed before Friday 17:00 New York time unless the paid Weekend Holding add-on is active (crypto can be held). Challenge and Pro accounts have no weekend-holding restriction.
Gotcha: Instant traders need the paid add-on to carry FX over the weekend; crypto is exempt.
Only EAs developed, owned or fully controlled by you are allowed. Third-party / mass-market / plug-and-play EAs are prohibited, as are copy-trading tools, signal providers, trade managers and 'pass-your-challenge' services.
Gotcha: Some reviews claim 'copy trading enabled' — the Terms ban it; only your own EA is permitted.
Prohibited: hedging/offsetting/correlated positions, latency/arbitrage/execution-manipulation, one-directional gambling and martingale-style recovery, straddling and erratic grid-like sizing. Trading in the 22:00–02:00 UTC window that generates >20% of total profit can trigger review.
Gotcha: Hedging and correlated positions are banned outright, and heavy profit from late-night (22:00–02:00 UTC) scalping is flagged.
Challenge 1-Step needs 3 profitable days (≥0.5%); 2-Step needs 2 per stage; Pro 2 per stage; Instant Standard 0; Instant Lite 5. A profitable day = balance at 17:00 NY exceeds the prior day's by ≥0.5%.
Gotcha: It's a profitable-day requirement, not just a day with any trade — flat days don't count.
30 consecutive calendar days without executing a trade is a hard breach — the account is terminated without refund and it is not reversible.
Splits: Challenge starts 80% (to 95%), Instant Standard 75% (to 90%), Instant Lite 70% (to 85%), Pro 100% fixed after 30 days plus a 1% monthly salary. First payout is on-demand; then every 7 days (Instant Lite every 14), $10 minimum, all positions closed to request. Enhanced KYC must be completed within 72 hours of request — no second chance — and VPN/proxy/iCloud Private Relay/rapidly-changing IPs are banned during KYC.
Gotcha: The 72-hour KYC deadline is unusually strict, and using a VPN during verification can sink it.
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Informational and comparison content only — not financial advice and not affiliated with Finotive Funding. Rules change often; verify against Finotive Funding's official terms before relying on any detail. Last reviewed Jun 5, 2026.