FundingPips vs Velotrade: Which Prop Firm Wins in 2026?

FundingPips and Velotrade are closer than most prop firm comparisons. Both are multi-asset, both include crypto, both use a static drawdown that fixes your loss floor from the starting balance, and neither caps risk per trade on new accounts. On the headline numbers they look almost interchangeable. The difference that decides which one fits you sits on the funded account: how each firm treats news trading and weekend holding once you are paid on real profits.

This comparison puts the two side by side on drawdown, funded-account rules, consistency, splits, payouts, platforms, and track record, so you can match the right firm to how you actually trade. FundingPips' rules below are from its trading-objectives page for accounts bought in September 2026.

Quick answer: FundingPips is the larger, more established firm, founded in 2022, with over $312 million paid out, a Trustpilot rating around 4.5, a static maximum loss on its challenge models, and entry from $33. Its funded-account catches are a 5-minute news window (news profits are deducted) and a 10% Swing add-on to hold overnight or over the weekend. Velotrade is crypto-native and 24/7, with a static drawdown on every plan, no consistency rule, and news trading and weekend holding allowed on every account at no extra cost. Neither is strictly better; they suit different trading styles.

Quick Comparison: FundingPips vs Velotrade

Drawdown: Both Static

Both firms use a static drawdown, which is the more forgiving model and counts in both firms' favour against firms that trail tick-by-tick. On a static drawdown the loss floor is fixed from your starting balance and never moves up against you. On a $50,000 account with a 10% maximum, the floor stays at $45,000 no matter how high your balance climbs.

FundingPips' challenge models set the maximum loss by model: 6% on the 2-Step Pro, 10% on the 2-Step Standard, and 12% on the 2-Step Flex and 1-Step Flex. Its instant Zero account is the exception, with a 5% loss limit that trails your highest equity until you are 5% up, then locks at breakeven. Velotrade uses a static drawdown on every plan: 10% on the CLASSIC 2-Step, 7% on the CLASSIC 1-Step, and 3% on the PRO 1-Step.

Because both firms lead with a static model, drawdown alone does not separate them. For why the calculation method matters as much as the percentage, see static maximum drawdown explained.

The Real Difference: Funded-Account Rules

FundingPips' evaluations are permissive: news trading and overnight or weekend holding are allowed on every evaluation. The rules tighten on the Master (funded) account:

• News: 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 those trades is deducted.
• Weekends and overnight: Master accounts need the 10% Swing add-on to hold positions overnight or over the weekend.

Velotrade applies neither restriction. News trading and weekend holding are allowed on every account, including funded ones, with no add-on and no profit deduction. For a crypto trader, where the market never closes and the biggest moves often come around macro releases, that is the difference that matters most.

Neither firm caps risk per trade on new accounts: FundingPips has removed its old per-trade rule and now advertises "No Risk Per Trade Idea", and Velotrade has no maximum risk per trade or lot-size cap. For more on sizing freedom, see prop firm leverage and no maximum risk per trade.

Consistency Rule and Crypto-Native Markets

Velotrade has no consistency rule, so you can concentrate profit on your best days. FundingPips' bi-weekly 80% cycle has no consistency requirement, but its monthly 100% cycle requires a 35% consistency score and at least 7 profitable days of 0.5% or more.

The markets themselves also differ in character. Velotrade is crypto-native and built around the 24/7 crypto market, then extended across forex, stocks, indices, and commodities. FundingPips is genuinely multi-asset and includes crypto, but its crypto is CFD-style with 1:2 leverage on standard evaluations. If crypto is your core market, that difference in design matters. For the wider field, see the best crypto prop firms.

Profit Split, Fees, and Payouts

FundingPips lets you choose the payout cycle, and the split depends on it: 80% on weekly or bi-weekly cycles, 95% on some plans, and 100% on a monthly cycle with the consistency requirement above. Entry is cheap: $33 for a $5,000 2-Step Pro, $39 for a 2-Step Flex, and $44 for a 2-Step Standard. Its payout reliability is a genuine strength, with over $312 million reported paid and withdrawals often processed within a day.

Velotrade pays up to 90% from your first payout, with no tier to climb, and its PRO 1-Step entry starts at $40 for a $5,000 account. Confirm the current cycles, minimums, and add-on prices at each firm before buying.

Platforms

FundingPips supports MT5, cTrader, and TradeLocker, so you can keep an existing setup without migrating. Velotrade runs exclusively on DXtrade. If you are committed to MT5 or cTrader, FundingPips has the edge on platform choice. If you are happy on DXtrade, Velotrade's single-platform focus keeps the rule set consistent across every asset on one account. Confirm your strategy and any automation are allowed at either firm before purchasing.

Track Record and Background

FundingPips' longer history is a real point in its favour. A 2022 launch with over $312 million reported paid and a Trustpilot rating around 4.5 across tens of thousands of reviews gives it more accumulated payout proof than Velotrade's 2026 crypto prop launch. In a category where trust is scarce, that history is worth checking, alongside the recurring cluster of complaints about account closures and rule disputes that is common to firms operating at this scale.

Velotrade's counterpoint is a documented institutional team background (JP Morgan, Dresdner Kleinwort, Bank of America) and a fully published rule set built specifically for crypto. For deeper detail, see the FundingPips review and compare the wider market in top prop firms in 2026.

What Each Firm Suits Best

Choose Velotrade if:

• You trade news or hold positions over the weekend on a funded account and want to do it without add-ons or profit deductions
• You want no consistency rule at any split
• You trade crypto and want a crypto-native, 24/7 design with more than 1:2 crypto leverage
• You want up to 90% profit split from your first payout, and are comfortable on DXtrade

Choose FundingPips if:

• You mostly trade within the week and avoid high-impact news releases
• You value a long, verifiable payout record ($312M-plus paid, Trustpilot around 4.5)
• You want platform choice across MT5, cTrader, and TradeLocker
• You want the cheapest possible entry or a 100% split on a monthly cycle

Which Prop Firm Is Better?

There is no single winner, because the two firms optimise for different things. FundingPips wins on scale and proof: an established firm since 2022, over $312 million paid, a strong Trustpilot standing, three platforms, and a cheap entry. Velotrade wins on funded-account freedom and crypto fit: news trading and weekend holding with no add-on, no consistency rule, a static drawdown on every plan, and a crypto-native 24/7 design.

Decide on how you trade once funded. If you hold crypto through weekends or trade around macro releases, FundingPips' Swing add-on and news window work against you and a Velotrade challenge is the more flexible structure. If you trade within the week and value a large firm with a verifiable payout history, FundingPips is the stronger package. Verify the current terms directly before purchasing either.

---