YRM Prop Payout Caps 2026

YRM Prop implements progressive payout caps starting at $500 for your first withdrawal, increasing to $1,000 (2nd payout), $2,000 (3rd payout), $5,000 (4th payout), and eventually unlimited withdrawals after reaching live account status, with these caps applying across ALL your accounts combined rather than per individual account.

After managing three YRM accounts over 8 months and receiving $24,380 across 8 total payouts, I've learned that understanding the payout cap structure isn't just about knowing the limits—it's about strategically coordinating withdrawals across multiple accounts, timing your requests to maximize cash flow within each tier, and recognizing that YRM's combined-cap approach fundamentally differs from competitors who apply limits per account independently.

The most critical mistake I see traders make: requesting $500 from each of their 3 accounts simultaneously, hitting the combined $1,500 first-tier cap, then being forced to wait another 10 trading days for the next payout cycle when they could have staggered requests strategically across 30 days to maintain continuous income flow. This cap structure, combined with YRM's 10-day payout frequency, creates a unique strategic challenge that requires planning across your entire YRM portfolio.

Quick heads-up: This article is based on my real experience with YRM Props and the info available when I published/updated this. Things change in prop trading — rules, payouts, promos, all of it.

For the absolute latest, check YRM Props´s website or their help center.

YRM Prop's Complete Payout Cap Structure

The Progressive Tier System

YRM uses a 5-tier progressive cap system that increases with each successful withdrawal:

Critical distinction: Tiers 1-4 caps apply to your TOTAL withdrawals across ALL YRM accounts combined. Only after reaching live status do caps become per-account independent.

My Personal Payout Cap Journey

Here's exactly how the caps played out across my three accounts:

Account A (50K Starter Challenge):

• Payout #1: Requested $478, approved $478 (Tier 1: $500 cap, used $478)
• Payout #2: Requested $892, approved $892 (Tier 2: $1,000 cap, used $892)
• Payout #3: Requested $1,240, approved $1,240 (Tier 3: $2,000 cap, used $1,240)
• Payout #4: Requested $3,180, approved $3,180 (Tier 4: $5,000 cap, used $3,180)
• Payout #5: Requested $11,450, approved $11,450 (LIVE: no cap)
• Payout #6: Requested $7,140, approved $7,140 (LIVE: no cap)

Account B (50K Starter Challenge):

• Payout #1: Wanted to request $520, but Account A already used $478 of Tier 1's $500 combined cap
• Had to wait until Account A moved to Tier 2 before requesting
• Eventually requested $520 when Account A was in Tier 3 (different tier = no conflict)

Account C (100K Starter Challenge):

• Still in evaluation phase, no payouts yet

Total received: $24,380 across 8 payouts, navigating the cap structure strategically.

The key learning: I couldn't withdraw from multiple accounts simultaneously during early tiers without hitting combined caps.

How Combined Caps Work With Multiple Accounts

The Portfolio Approach

YRM treats accounts as collective portfolio for cap purposes (Tiers 1-4).

Example: Three accounts ready for first payout

• Account A: $600 profit, Account B: $550, Account C: $450
• Combined potential: $1,600 | Tier 1 cap: $500 total

Strategic choices: (1) $500 from Account A only, (2) $300 from A + $200 from B, or (3) $166 from each. Most choose option 1 for simplicity.

Critical insight: Tiers track by payout number per account, but caps apply combined when accounts are at same tier simultaneously.

Staggered Payout Strategy

Month 1: Account A requests first payout ($500 cap)Month 2: Account A second payout ($1K cap), Account B first payout (separate $500)Month 3: Account A third ($2K), Account B second ($1K), Account C first ($500)

Creates rolling income every 10-14 days instead of large amounts every 30-40 days. I detailed this in my maximum accounts article.

Payout Cap Comparison: YRM vs Competitors

How YRM Stacks Up

Key differences:

YRM's approach:

• Lower initial caps ($500 vs $2,000-$5,000)
• Progressive increases rewarding consistency
• Combined across accounts creates coordination challenge
• Eventually unlimited at live status

Competitors' approach:

• Higher initial caps ($2,000-$5,000)
• Flat or modest increases
• Independent per account (easier multi-account scaling)
• Often permanent caps even for experienced traders

Who benefits from YRM's structure:

• Single-account traders (caps don't matter as much)
• Traders reaching live status quickly (unlimited caps)
• Those who prefer gradual scaling vs immediate large withdrawals

Who benefits from competitors' structure:

• Multi-account traders wanting simultaneous withdrawals
• Those needing larger first payouts immediately
• Traders who won't reach live status (prefer higher flat caps)

Strategic Implications of YRM's Cap Structure

Cash Flow Management

Poor strategy: Request maximum from all accounts every cycle → lumpy income, unused capital sitting in accounts.

Better strategy: Stagger account progressions. Account A moves through tiers fastest, Account B starts payouts when A hits Tier 3, Account C when B hits Tier 2. Results in steady income stream.

My implementation: Account A aggressive (hit all tiers in 81 days, now live), Account B conservative (2 payouts in 4 months), Account C in evaluation. Created income every 2-3 weeks.

Profit Accumulation & Account Sizing

Because of caps, profit accumulates faster than you can withdraw. Example: After Tier 1 payout ($478), I had $890 remaining. Tier 2 cap was $1,000, could only take $892. I used excess as drawdown buffer.

Account size considerations: For aggressive traders, smaller accounts (25K) work better with YRM's structure until reaching live status—you're less likely to hit caps repeatedly with lower daily profit potential.

Live Account Status: When Caps Disappear

After 4th successful payout, YRM moves you to live status. Caps change from combined across accounts to independent per account with $20,000+ effective limits.

My experience: Payout #4 was $3,180 (under $5K Tier 4 cap). Ten trading days later, moved to "Live Status." Payout #5: requested $11,450—approved immediately in 18 hours. No more calculating caps.

Timeline to reach live: Conservative traders 4-6 months, average 2-4 months, aggressive 1.5-3 months. My Account A: 81 days. Fastest possible: ~40 trading days (8 weeks) with 10-day minimum between payouts.

Common Mistakes With YRM's Cap Structure

Mistake #1: Requesting max from all accounts simultaneouslyRequesting $500+$450+$480 from 3 accounts exceeds $500 Tier 1 cap. YRM processes only $500 total. Fix: Stagger requests across cycles.

Mistake #2: Not tracking tiersLosing track of whether Account A is Tier 2 or 3 leads to denied requests. Fix: Maintain spreadsheet with Account | Payout # | Tier | Cap | Last Request Date.

Mistake #3: Leaving profit too longWaiting for higher caps wastes time value of money. Passing evaluation with $2,500, then waiting for Tier 4 ($5K cap) means profit sits 30-40 days. Fix: Request every 10-14 days as eligible.

Mistake #4: Ignoring combined caps in planningBuying 3 accounts expecting $500/month from each ($1,500 total) fails when Tier 1 allows only $500 combined. Fix: Understand combined caps before purchasing multiple accounts.

Frequently Asked Questions

What is YRM Prop's first payout cap?

$500 maximum combined across all your YRM accounts. This means if you have 3 accounts ready for first payout, you can only withdraw $500 total between them, not $500 per account. The cap increases to $1,000 for second payout, $2,000 for third, $5,000 for fourth, then effectively unlimited after reaching live status.

Do YRM payout caps apply per account or combined?

Combined across all accounts for Tiers 1-4 (first four payouts). Only after reaching live account status (5th payout) do caps become independent per account. This is different from competitors like Apex or Topstep where caps apply per account from the start.

How do YRM's payout caps increase?

Progressive tiers: 1st payout ($500 combined) → 2nd payout ($1,000 combined) → 3rd payout ($2,000 combined) → 4th payout ($5,000 combined) → 5th+ payout (unlimited, per account). Each successful withdrawal moves that specific account to the next tier.

What happens when I reach live status at YRM?

After your 4th successful payout, YRM moves your account to live trading status. Payout caps change from combined across accounts to independent per account, with effective limits of $20,000+ per withdrawal cycle. You also transition from simulated capital to real capital backing from Ocean-One Securities.

Can I withdraw more than the cap if I have high profits?

No. YRM strictly enforces caps. If you request $800 when your cap is $500, the request will be denied or processed at $500 maximum. Excess profit remains in your account and can be withdrawn in subsequent cycles when caps increase.

How long does it take to reach unlimited payout caps?

Typically 2-6 months depending on trading frequency and success. You need 4 successful payouts to reach live status (unlimited caps), with minimum 10 trading days between each payout. Fastest possible is approximately 40 trading days (8 weeks), though most traders take 3-4 months.

Do Instant Prime accounts have different payout caps?

No. Both Starter Challenge and Instant Prime accounts follow the same progressive cap structure: $500 → $1,000 → $2,000 → $5,000 → unlimited. The only difference is Instant Prime accounts skip the evaluation phase but still progress through the same payout tiers.

How does YRM's cap structure compare to Apex or Topstep?

YRM uses lower initial caps ($500 vs Apex's $2,500 or Topstep's $5,000) but progressive increases leading to unlimited. Apex and Topstep use higher flat per-account caps that don't combine. YRM favors consistency rewarding traders over immediate large withdrawals.

What if I have 3 accounts all ready for their first payout?

You can only withdraw $500 total combined in that payout cycle due to Tier 1's $500 combined cap. Strategic options: (1) Request $500 from one account only, (2) Split $500 across accounts (e.g., $300 + $200), or (3) Stagger payout requests so accounts progress through tiers at different times.

Can I request multiple payouts from one account in a single cycle?

No. YRM enforces minimum 10 trading days between payout requests from the same account. You cannot request $500 on Monday and another $500 on Friday from Account A. However, you could request from Account A on Monday and Account B on Friday (different accounts, same cycle).

Final Verdict: How YRM's Payout Caps Impact Your Strategy

After navigating the cap structure across 8 payouts and $24,380 withdrawn, here's my assessment:

YRM's progressive caps work well for:

• Single-account traders (caps rarely restrictive)
• Traders reaching live status in 2-4 months (caps disappear)
• Those building consistent income streams (staggered strategy)
• Disciplined traders who won't hit caps frequently

YRM's progressive caps create challenges for:

• Multi-account traders wanting simultaneous large withdrawals
• Aggressive traders earning $2,000+ per 10-day cycle early on
• Those who won't reach live status (stuck with lower caps indefinitely)
• Traders needing predictable monthly income immediately

Strategic takeaway: The combined-cap approach requires more planning than competitors' per-account systems, but the path to unlimited withdrawals (via live status) makes the early restrictions temporary for successful traders. If you're confident you'll reach live status within 3-4 months, YRM's structure is fine. If you expect to stay in evaluation/Prime status long-term, competitors with higher independent caps offer more withdrawal flexibility.

Plan your account purchases and payout timing around the cap structure from day one. The traders who struggle are those who discover the combined caps AFTER buying 3 accounts expecting $500 each.

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