Dearer at all 5 sizes · a flat 27% premium
Moneta 1-Step vs 2-Step Challenge
Skipping a phase costs about 27% more here, and it buys strictly less room. The 1-Step allows 3% a day inside 6% overall; the cheaper 2-Step allows 4% inside 8%.
The premium is the interesting part: it holds within 0.6 of a percentage point across a ladder that runs from $5K to $100K. That is a ratio the firm decided once, not a price set per account.
| Account | 1-Step | 2-Step | Premium |
|---|---|---|---|
| $5K | $42 | $33 | +27.3% |
| $10K | $90 | $71 | +26.8% |
| $25K | $215 | $169 | +27.2% |
| $50K | $465 | $365 | +27.4% |
| $100K | $840 | $660 | +27.3% |
Paying more for less
| Profit target | 10% in one phase | 5%, then 10% |
| Daily loss limit | 3% | 4% |
| Overall drawdown | 6% | 8% |
| Losing trades before the attempt ends | 3 | 4 |
| Profit split | 88% | 88% |
The 10% the 1-Step asks is the same 10% the 2-Step's second phase asks. So the premium is not buying an easier target — it is deleting the 5% phase that comes before it, and charging a quarter of the drawdown for the privilege.
A note on the name
Moneta sell two separate 2-Step offerings and do not label either one “lower-cost”. That is this site's word for the cheaper of the two, used so the rows can be told apart, and it is the one compared here. The pair itself is set out separately. A name the firm did not choose should not be quoted back at them as though it were theirs.
Where these rules were read
Moneta Funded — product offerings — read 2026-08-23
Questions
- Is Moneta’s 1-Step cheaper than its 2-Step?
- No, dearer at every size: $5K is $42 against $33, $10K is $90 against $71, $25K is $215 against $169, $50K is $465 against $365, $100K is $840 against $660. The premium sits at 27–27% across the whole ladder.
- Which Moneta challenge gives more room?
- The 2-Step. It allows 4% a day inside 8% overall against the 1-Step's 3% inside 6%. At 1% risk per trade that is 4 losing trades before the attempt ends against 3.
- Do the 2-Step’s targets add up to 15%?
- No. 5% and 10% are measured from different starting balances and the drawdown resets between phases. The 1-Step's single 10% is the same figure the 2-Step's second phase asks — the difference is that the 2-Step asks a 5% phase first.