Moneta Funded
Industry-leading 88% split + proprietary EAs explicitly allowed.
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At a glance
Educational notes on this firm
Model-specific observations about their rules and mechanics. Educational only — not trading or investment advice.
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What the marketing pages don't tell you
Specific quirks, fees, hidden rules, and operational catches we've found from FAQ deep-dives. Always verify with the firm before purchase.
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What the account costs to run and how the money actually comes out — fees, payout timing and limits, scaling, and which platforms you can trade on.
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Moneta Funded — frequently asked questions
Does Moneta Funded have a discount code?
Moneta Funded has no public promo code right now. Any promotion runs directly in the firm's own checkout, so there is nothing to paste in. Our link is a tracked affiliate link and does not change the price you pay.
Is Moneta Funded legit and safe?
Moneta Funded holds an estimated Trustpilot rating of 4.5/5 from roughly 263 reviews. As with any prop firm, read the current rules and payout terms before buying, and start with a smaller account size.
Does Moneta Funded have a consistency rule?
Instant Funding only — 15% or 20% of total profit in any single 24h period, selected at purchase (15% is priced lower), and it resets after each payout. No consistency rule on Instant Funding Pro, 1-Step, 2-Step or Phoenix.
What is Moneta Funded's profit split?
Moneta Funded's profit split is 88% on 1-Step, 2-Step, Phoenix and Instant Funding Pro; Instant Funding 60% or 88% chosen at purchase; 100% on the Sprint Challenge.
How fast does Moneta Funded pay out?
24-48 business hours after approval, $100 minimum withdrawal. Payout methods are crypto (USDC-ERC20, USDT-ERC20, USDT-TRC20) or a direct payout to a Moneta Markets account Ongoing cadence: Every 14 calendar days; Instant Funding Pro's first payout is on demand once $100 is…
Moneta Funded at a glance
| Market | Forex/CFD |
|---|---|
| Models | 1-Step / 2-Step / Instant Funding / Instant Funding Pro / Sprint / Phoenix scaling |
| Profit split | 88% on 1-Step, 2-Step, Phoenix and Instant Funding Pro; Instant Funding 60% or 88% chosen at purchase; 100% on the Sprint Challenge |
| Profit target | 10% (1-Step); 5% (2-Step P1) -> 10% (P2); 10% per level across 11 Phoenix levels; None (Instant Funding / Instant Funding Pro); multiplier-based (Sprint) |
| Max drawdown | 6% static (1-Step/Phoenix); 10% static, or 8% on the lower-cost option (2-Step); 5% trailing (Instant Funding — 6% for accounts opened before 2026-07-02); 8% trailing (Instant Funding Pro).… |
| Daily loss limit | 3% (1-Step/Phoenix/Instant Funding); 5% standard or 4% on the lower-cost option (2-Step); 4% (Instant Funding Pro). The mechanism is the same on every program: at the 22:00 UTC rollover the… |
| Consistency rule | Instant Funding only — 15% or 20% of total profit in any single 24h period, selected at purchase (15% is priced lower), and it resets after each payout. No consistency rule on Instant… |
| Min trading days | 3 |
| Payout schedule | 24-48 business hours after approval, $100 minimum withdrawal. Payout methods are crypto (USDC-ERC20, USDT-ERC20, USDT-TRC20) or a direct payout to a Moneta Markets account |
| EA / bots | Self-developed EAs allowed; copy trading only between accounts owned by the same person. EAs are not allowed on the Sprint Challenge. Martingale, grid/hedging, HFT, order spamming, latency… |
| News trading | No opening or closing trades within 5 minutes before or after high-impact (red folder) news on 1-Step/2-Step/Instant Funding/Phoenix; Sprint also bans gap, market-open and market-close… |
| Weekend holding | Allowed |
| Cheapest challenge | $25 |
| Trustpilot (estimate) | 4.5/5 from ~263 reviews |
Moneta Funded plan rules, drawdown and payout terms
Every figure below is read from Moneta Funded’s own published plan pages and re-checked 2026-05-22. Where a plan defers part of the fee, the balance is shown beside the price.
Moneta Funded 2-Step Challenge Standard rules
| Profit target | 5% |
|---|---|
| Phase 2 target | 10% |
| Daily loss limit | 5% of initial balance (standard) or 4% (lower-cost option) |
| Max drawdown | 10% of initial balance (standard) or 8% (lower-cost option), static |
| Drawdown type | Static |
| Min trading days | 3 |
| Consistency rule | None |
| Profit split | 88% |
| Payout rules | Bi-weekly (every 14 days) |
| Leverage | 1:100 FX / 1:30 metals / 1:25 indices / 1:10 energy / 1:2 crypto |
| Account size | Price |
|---|---|
| $5,000 | $39 |
| $10,000 | $69 |
| $25,000 | $149 |
| $50,000 | $289 |
| $100,000 | $449 |
Moneta Funded 1-Step Challenge Standard rules
| Profit target | 10% |
|---|---|
| Daily loss limit | 3% of initial balance, measured on equity including floating losses |
| Max drawdown | 6% of initial balance (static — does not trail) |
| Drawdown type | Static |
| Min trading days | 3 |
| Consistency rule | None |
| Profit split | 88% |
| Payout rules | Bi-weekly (every 14 days) |
| Leverage | 1:30 FX / 1:10 metals / 1:8 indices / 1:3 energy / 1:1 crypto |
| Account size | Price |
|---|---|
| $5,000 | $49 |
| $10,000 | $89 |
| $25,000 | $189 |
| $50,000 | $289 |
| $100,000 | $489 |
Moneta Funded Instant Funding Standard rules
| Daily loss limit | 3% of initial account size |
|---|---|
| Max drawdown | 5% of balance or equity, whichever is higher (trailing; 6% for accounts opened before 2026-07-02). Stops trailing once it reaches the starting balance |
| Drawdown type | Trailing |
| Consistency rule | 15% or 20% of total profit in a single 24h period, selected at purchase; resets after each payout |
| Profit split | 60% or 88% (selected at purchase — 60% costs less) |
| Payout rules | Bi-weekly (every 14 days) |
| Leverage | 1:30 FX / 1:10 metals / 1:8 indices / 1:3 energy / 1:1 crypto |
| Account size | Price |
|---|---|
| $5,000 | $350 |
| $10,000 | $600 |
| $50,000 | $2,750 |
Moneta Funded Phoenix Scaling Program Standard rules
| Profit target | 10% per level, 11 levels ($2,500 -> $2,000,000) |
|---|---|
| Daily loss limit | 3% of initial balance |
| Max drawdown | 6% of initial balance (static) |
| Drawdown type | Static |
| Min trading days | 3 |
| Consistency rule | None |
| Profit split | 88% |
| Payout rules | Bi-weekly (every 14 days) |
| Leverage | 1:30 FX / 1:10 metals / 1:8 indices / 1:3 energy / 1:1 crypto |
| Account size | Price |
|---|---|
| $2,500 | $25 |
| $5,000 | $45 |
| $10,000 | $85 |
| $20,000 | $165 |
Moneta Funded Sprint Challenge Standard rules
| Profit target | Multiplier-based (2x or 5x) within a 1, 2, 4 or 8 hour time limit — miss it and the challenge fails |
|---|---|
| Consistency rule | None |
| Profit split | 100% |
| Payout rules | Paid within 48 hours of completion |
| EA and trading bots | EAs are not allowed on Sprint |
| News trading | Prohibited, as are gap, market-open and market-close trading |
| Leverage | 1:30 FX / 1:10 metals / 1:8 indices / 1:3 energy / 1:1 crypto |
| Account size | Price |
|---|---|
| $10,000 | $30 |
| $50,000 | $150 |
| $100,000 | $300 |
Moneta Funded Instant Funding Pro Standard rules
| Daily loss limit | 4% of initial account size |
|---|---|
| Max drawdown | 8% of balance or equity, whichever is higher (trailing, lifetime of the account) |
| Drawdown type | Trailing |
| Consistency rule | None |
| Profit split | 88% |
| Payout rules | First payout on demand once $100 is reached, then every 14 days |
| News trading | Allowed (the only Moneta program where it is) |
| Leverage | 1:30 FX / 1:10 metals / 1:8 indices / 1:3 energy / 1:1 crypto |
Moneta Funded discount codes
No public discount code is listed for Moneta Funded right now.
How to play Moneta Funded
88% split is the top of the market among major forex firms — but on Instant Funding that 88% is the pricier of two options (60% costs less), so check which one you are buying. The 2-Step ships in two configurations: 5%/10% standard or a cheaper 4%/8% build; the standard one gives you the 10pp buffer. Instant Funding Pro is the outlier product — 8% trailing, no consistency rule, no minimum days, first payout on…
Things to know before you buy
- Instant Funding bought from 21 September 2026: a 1% floating loss is an instant breach, and on both Instant Funding and Instant Funding Pro the max loss locks at your starting balance the moment a…
- 88% profit split on 1-Step, 2-Step, Instant Funding Pro and Phoenix
- Instant Funding sells TWO splits: 60% (cheaper) or 88% — chosen at purchase, so the headline 88% is not automatic
- 100% split on the Sprint Challenge (instant-payout time-boxed mini-evaluations)
- Sprint Challenge: $10K/$25K/$50K/$100K, 2x/5x multipliers, 1/2/4/8 hour timeframes, payout within 48h
Rules and pricing verified 2026-09-23 against Moneta Funded’s own site.
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