How does Fintokei work?

As a trading talent accelerator, we have already paid out over $16.5 million. Traders from all over the world can prove their skills — just pick a demo challenge. Those who succeed will get an account with virtual capital up to millions to trade on. And if they profit? Every 14 days we pay out real money earnings.

How does it work?
Fintokei comparison hero — hand with payout cards

How does prop trading work?

Step 1

Pass the trading challenge.

Step 2

Get a trading account.

Step 3

Trade profitably and keep an eye on your losses.

Step 4

Withdraw your earnings every 14 days.

Everything you need to know

Think of it like a racing simulator test. Before a team lets you on the real track, they need to see what you've got. It's up to you to pick a challenge based on the account size you want to handle. For example, a ProTrader challenge for a $50,000 account costs $319.

You pay for the challenge, choose a platform that fits your style (MT4, MT5, cTrader, or TradingView), and get a demo trading account that simulates real market conditions. Then it's go time.

The trading challenge has several stages (evaluation phases). In each one, your task is to:

Hit the profit target — prop firms usually set it as a % (in Fintokei, it ranges from 2% to 8% depending on the program and phase),

Keep your losses under control — with daily and overall drawdown limits. These are also in %, and if you cross them, you're out.

So how does it work when you buy a challenge?

1. We create your demo account based on the challenge you picked.

2. You get access to your chosen platform.

3. You connect and trade by the rules.

4. You track your progress in real time in your MyFintokei zone.

You passed all challenge phases, hit the profit target, and stayed within loss limits? You now get an account with virtual capital — but real earning potential!

It's like sim racing — everything feels real, but you're in a virtual environment. We simulate the market to reflect real market conditions. From now on, your job is to trade responsibly and profitably. You still need to respect daily and max loss limits, and randomness won't get you far.

Every 2 weeks, you can request a payout of part of your profits.

We send the money within 24 hours. Our fastest payout? Just 3 hours.

Yes. Even after getting a virtually funded account, you're still trading on a demo account — but with the chance to earn real money. No risk of losing your own funds. No need for starting capital.

Don't forget: you can track your loss limits in MyFintokei.

MyFintokei is your trading rocket's control panel. One look at your dashboard and you'll see how you're doing — how much profit you've made and how much room you've got before hitting your loss limits. You still need to stay within your daily and overall loss limits. Cross them, and your account is gone for good.

But that's not all! Inside MyFintokei, you'll also find:

Educational videos.

Trading tips.

Tools to improve your performance.

All of this gives you a better shot at passing the challenge and getting that payout.

A payout = your reward for great performance. We also call it a performance reward.

The reward amount depends on your program — it can range from 50% to 100% of your profits.

You can request a payout once every 14 days.

Before the payout, we check that everything was done by the rules.

You choose your challenge based on the program:

StartTrader

StartTrader

Easiest challenge thanks to low profit targets in each phase, but you're monitored by consistency rules. 3 challenge phases.

SwiftTrader

SwiftTrader

Shortest evaluation and the fastest way to payout. 1 challenge phase.

ProTrader

ProTrader

Chance to get the biggest accounts, but the challenge is the toughest. 2 challenge phases.

Accelerate your trading journey with the Fintokei Loyalty Program

Earn XPs for trading activity and completing missions, level up, and unlock unique boosts.

Strive for more
Fintokei Loyalty Program

What do real payouts look like?

See the real performance rewards we've sent to Fintokei traders.

Take a look
Real payouts

Prop trading is for you if:

You don't have (or don't want to risk) your own money

You believe in your skills

You're over 18

You're aiming for a side hustle or full-time career

Now that you know what prop trading is… why not:

Explore our programs or try the Free Trial to see how Fintokei works firsthand.

Explore our programs