New to funded trading?
ExploreFundingPips is one of the largest multi-asset prop firms in the world, with a nine-figure payout record and five evaluation models. Its evaluations are relaxed: news and weekend trading are allowed, and it has dropped its old per-trade risk cap. The catches arrive on the funded (Master) account, where news trading is restricted, weekend holding needs a paid add-on, and the highest split carries a consistency rule. This review covers what FundingPips offers in 2026, based on its own trading-objectives page, and how it compares for crypto traders.
Quick answer: FundingPips is a large multi-asset prop firm (forex, metals, energies, indices, crypto) with Zero, 1-Step Flex, 2-Step Standard, 2-Step Flex, and 2-Step Pro models, account sizes from $5,000 to $100,000 ($200,000 on Zero and Pro), and a static maximum loss on its challenge models. Entry starts at $33, splits run from 80% to 100% depending on the payout cycle, and it reports over $312 million paid. On funded accounts, trades within 5 minutes of high-impact news lose their profit, and holding overnight or over the weekend requires a 10% Swing add-on.
Highlights of this article
- FundingPips is a large multi-asset prop firm (forex, metals, energies, indices, and crypto) reporting over $312 million paid to traders
- Five models: Zero (instant), 1-Step Flex, 2-Step Standard, 2-Step Flex, and 2-Step Pro
- Challenge models use a static maximum loss; the instant Zero account uses a trailing one
- Splits run from 80% (bi-weekly) to 100% (monthly, with a 35% consistency rule)
- There is no longer a per-trade risk cap on new accounts, but funded accounts restrict news trading and need a paid Swing add-on to hold over weekends
What Is FundingPips
FundingPips is a proprietary trading firm founded in 2022 and based in Dubai. It has grown into one of the largest firms in the space, funding traders across forex, metals, energies, indices, and crypto, and it reports over $312 million distributed to traders. It runs a scaling program (PRIME, up to $2 million) alongside its evaluation models, and its payout record is one of the more verifiable in the industry. Unlike the futures-only firms, FundingPips is genuinely multi-asset and includes crypto, which makes it a closer comparison to a crypto-native firm. Another large multi-asset firm in this category is E8 Markets; see E8 Markets vs Velotrade for how it compares.
How the Evaluations Work
FundingPips sells five models. The rules below are from its trading-objectives page for accounts bought in September 2026; existing accounts keep the rules they were sold with.
| Model | Profit target | Daily / max loss | Min days | Funded split options |
|---|---|---|---|---|
| Zero (instant) | None | 3% daily, 5% trailing (locks at breakeven once 5% up) | 7 profitable days per 30 to stay active | 95% bi-weekly |
| 1-Step Flex | 12% | 2% or 3% daily, 12% static max | None | 80% bi-weekly or 100% monthly |
| 2-Step Standard | 8% then 5% | 3% or 5% daily, 10% static max | 3 per phase | 80% bi-weekly or 100% monthly |
| 2-Step Flex | 10% then 8% | 4% daily, 12% static max | 1 per phase | 80% or 95% bi-weekly, or 100% monthly |
| 2-Step Pro | 6% then 6% | 3% daily, 6% static max | 2 per phase | 80% weekly or 100% monthly |
On a $5,000 account, the 2-Step Pro costs $33, the 2-Step Flex $39, and the 2-Step Standard $44; the $100,000 2-Step Pro is $466. Zero accounts start at $60. Prices change with promotions, so confirm them at checkout.
What Changes on the Funded Account
The evaluation is permissive: news trading and overnight or weekend holding are allowed on every evaluation. The rules tighten once you reach the Master (funded) account:
- News trading is restricted. You cannot open or close a position from 5 minutes before to 5 minutes after a high-impact news event on the affected currencies, and profit from such trades is deducted.
- Weekend and overnight holding need an add-on. Master accounts must buy the 10% Swing add-on to hold positions overnight or over the weekend.
- The 100% split has conditions. The monthly 100% cycle requires a 35% consistency score and at least 7 profitable days of 0.5% or more.
FundingPips has also removed the maximum risk per trade idea that used to cap how much you could lose on a single trade. Its site now advertises "No Risk Per Trade Idea" for new accounts, although older accounts keep the rules they were sold with.
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Fast, real payouts. Traceable on Arbitrum.
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- Settled on Arbitrum in USDC or USDT
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Profit Splits and Payouts
FundingPips lets you pick the payout cycle, and the split depends on it: 80% on a weekly or bi-weekly cycle, 95% on the 2-Step Flex's profitable-days option or Zero, and 100% on a monthly cycle with a consistency requirement. The minimum reward is 1% of the account. The firm's payout reliability is a genuine strength, with a large, publicly reported total and a PRIME scaling path for consistent traders.
FundingPips pros and cons
Pros
- One of the largest and most established multi-asset firms, founded in 2022, with over $312 million reported paid
- Genuinely multi-asset, covering forex, metals, energies, indices, and crypto
- Static maximum loss on every challenge model
- No per-trade risk cap on new accounts, and news and weekend trading allowed during evaluations
- Cheap entry from $33, and a 100% split available on the monthly cycle
- Strong Trustpilot standing and fast, frequently praised payouts
Cons
- Funded accounts restrict trading within 5 minutes of high-impact news and deduct news profits
- Holding overnight or over the weekend on a funded account costs a 10% Swing add-on
- The 100% split needs a 35% consistency score and 7 profitable days
- Crypto leverage is 1:2 on standard evaluations (1:1 on swing and swap-free)
- A recurring cluster of complaints about account closures and rule-interpretation disputes, common to large firms but worth reading before buying
Is FundingPips legit or a scam?
FundingPips is a legitimate, established prop firm, not a scam. It has operated since 2022, funds traders across several asset classes, and reports over $312 million distributed to traders, one of the more verifiable payout records in the industry. On Trustpilot it holds roughly 4.5 out of 5 across tens of thousands of reviews. The recurring praise is genuine: fast payouts, often within a day, plus a usable platform and responsive support. The recurring complaint is equally real: a minority of one-star reviews describe account closures and disputes over how rules were applied, so read the rules for your model carefully before buying.
Who FundingPips Suits
FundingPips is a strong fit for forex and multi-asset traders who want a large, established firm with a verifiable payout record, a static drawdown, a cheap entry, and the option of a 100% split, and who mostly trade within the week. It is a weaker fit for traders who want to hold crypto over the weekend or trade high-impact news on a funded account without paying for add-ons or losing profit.
The Alternative: Crypto-Native, 24/7
FundingPips and Velotrade are closer than most comparisons: both use a static drawdown, neither caps risk per trade on new accounts, and both include crypto. The differences show up on the funded account. Velotrade allows news trading and weekend holding on every account with no add-on and no profit deduction, has no consistency rule, and offers higher crypto leverage on a crypto-native, 24/7 market.
Neither is strictly better. FundingPips is the larger firm with the longer payout record and a 100% split option; Velotrade is the crypto-native option for traders who hold through weekends and trade the news. For a full side-by-side, see FundingPips vs Velotrade. Compare the field in top prop firms in 2026 and the best crypto prop firms, and check your odds of passing first with the challenge pass calculator.
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About the author
Vittorio De Angelis
Executive Chairman
Former equity-derivatives trader at JP Morgan, Dresdner Kleinwort and Bank of America in London. Later Head of Brokerage at a global broker in Hong Kong.
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