- ·Uses intraday trailing (real-time tick-by-tick) — highest day-to-day stress.
- ·Best profit split available: 50/50 to 100/0.
Account Types & Pricing
4 account types available. Pricing verified May 14, 2026.
| Plan | Price | Cycle | DLL | Split | Paul-tested |
|---|---|---|---|---|---|
| StartTrader (3-phase) | — | — | None | 50/50 to 100/0 | No |
| SwiftTrader (1-phase) | — | — | None | 100/0 | No |
| ProTrader (2-phase) | — | — | None | 80/20 | No |
| ProTrader Swing | — | — | None | — | No |
Who Fintokei Is For (And Who It Isn't)
Match yourself to Fintokei's structure before signing up. Based on the 4 account types, drawdown mechanic, and Paul's testing data.
- ·High-conviction traders with strict real-time risk management
- ·Aggressive sizers — at least one plan has no consistency rule on funded
- ·Traders allergic to daily loss limits — at least one plan has no DLL
- ·Scalpers prone to mid-day equity spikes — MLL jumps with intraday highs
Plan Economics: What Each Fintokei Account Actually Costs You
The headline price isn't the full picture. Here's the per-account math — buying-power cost, risk buffer, and breakeven estimate based on standard 30%-buffer-utilization assumptions.
| Plan | Buy-in | Risk buffer | Cost per $1K BP | Breakeven* |
|---|---|---|---|---|
| StartTrader (3-phase) | — | — | — | — |
| SwiftTrader (1-phase) | — | — | — | — |
| ProTrader (2-phase) | — | — | — | — |
| ProTrader Swing | — | — | — | — |
How to read this:
- Buy-in = price you pay to start the evaluation (with PTV code applied where available).
- Risk buffer = dollars between your starting balance and the Maximum Loss Limit — the absolute drawdown room before breach.
- Cost per $1K buying power = price ÷ starting balance × $1,000. Lower = cheaper leverage. Useful to compare account sizes within the firm and across firms.
- Breakeven estimate* = approximate number of payout cycles to recoup your buy-in, assuming you utilize 30% of your risk buffer profitably per cycle at the plan's profit split. This is a baseline expectation, not a guarantee — your actual cycle output depends on strategy and discipline.
*Breakeven uses a standard 30%-buffer-utilization-per-cycle assumption. Aggressive sizing can shorten breakeven (and increase breach risk); conservative sizing extends it.
How Fintokei Drawdown Works
Intraday · Trails highFintokei uses intraday trailing drawdown — the MLL follows your highest equity in real time. A 30-second spike up = your MLL moves UP at that instant. This is the most stressful mechanic in the prop industry.
How Fintokei's mechanic works in practice
- MLL recalculates every tick based on the running highest equity.
- Any spike up — even a fleeting intraday peak — permanently moves the MLL upward.
- You can be up $2,000 intraday, give it back, and breach the account from below the MLL even though your closing balance is positive.
- The mechanic punishes letting profits run without locking partials.
Best fit
Best for high-conviction traders who size strictly and pull profits early. Requires real-time risk management — no "let it run" trades. Stop-loss discipline at every fill.
What to watch out for
- Intraday volatility against your equity-high is the silent account-killer.
- Holding a winning position through lunch chop is brutal — the MLL gets dragged up by the morning spike.
- Position-sizing should account for worst-case intraday excursion, not expected EOD outcome.
Calculate Your Drawdown
⚡ ToolPre-selected for Fintokei. Full tool with all firms →
Fintokei vs Same-Mechanic Alternatives
1 other firms use the same drawdown mechanic. Side-by-side on the dimensions that matter most when choosing within a category.
| Firm | Plans | Cheapest | Mechanic |
|---|---|---|---|
| Fintokei This page | 4 | — | intraday |
| Topstep | 4 | $49 | intraday |
All firms in this table use intraday drawdown. See all drawdown mechanics →
How Fintokei Payouts Actually Work
7 payout methods supported.
Payout method comparison
| Method | Fees | Speed | When to use |
|---|---|---|---|
| E-wallet | — | — | — |
| Crypto | Network gas only | Minutes | USDC/USDT typical. Fastest for international traders. |
| Bank Transfer (SEPA) | — | — | — |
| Visa | — | — | — |
| Mastercard | — | — | — |
| Apple Pay | — | — | — |
| Google Pay | — | — | — |
Practical takeaway: Fintokei's cycle length means you can realistically expect multiple payouts per month on a profitable funded account. The actual processing time after request varies by method — pick the option that matches your residency and crypto-comfort.