Read from Blue Guardian’s own rules article
$10 gets you in. The 4% you are not looking at gets you out.
Blue Guardian’s Buy Now Pay Later costs $10 on every account size it sells, from $5,000 to $200,000, and the rest only if you pass: “traders simply pay the remaining balance to receive their funded account.” That is real, it is unusual, and it is the reason to read the rest.
Because on the number most comparisons rank by, this is the softest challenge on the site — 4% profit against an 8% drawdown, a difficulty ratio of 0.50 , matched only by Goat Funded Trader's Pay Later Model. On the number that decides how many attempts you buy, it sits 8 of 90.
The daily limit and the profit target are the same number
4% is what you must make to pass. 4% is also the most you may lose in a day. So the 8% drawdown that the difficulty ratio is computed from never decides anything — you are out on the daily cap long before you approach it. At 1% risk per trade that is 4 consecutive losing trades, and a run that long is likelier than the ratio makes it sound.
3 evaluations on this site have a daily limit at least as large as their whole profit target: Goat Funded Trader's GOAT Blitz, For Traders' Pay After Pass (Forex) and Blue Guardian's Buy Now Pay Later. It is the shape that makes a ratio misleading, and it is not visible on any pricing page.
What $10 buys, by account size
| Account | To start | Balance if you pass | Profit target | Daily limit |
|---|---|---|---|---|
| $5,000 | $10 | $52 | $200 | $200 |
| $10,000 | $10 | $98 | $400 | $400 |
| $25,000 | $10 | $202 | $1,000 | $1,000 |
| $50,000 | $10 | $352 | $2,000 | $2,000 |
| $100,000 | $10 | $686 | $4,000 | $4,000 |
| $200,000 | $10 | $1,033 | $8,000 | $8,000 |
The last two columns are the same figure on every row, and that is the point of the section above. The balance column is what the firm shows struck through beside the $10 — though it words what falls due two ways: the rules article says you “pay the remaining balance”, the plan page says “the full challenge fee”, which on the $100,000 account is either $676 or $686.
Blue Guardian — account model rules — read 2026-08-18
The drawdown trails, and then it stops
The 8% is measured from the highest balance you have banked, not from where you started: “8% trailing of your Highest Watermark Closing Trade made.” While it trails, taking a profit raises the floor beneath you by the same amount, so a good run buys no extra room.
Then it locks. Once the account is up 8%, the floor fixes at the starting balance and a further 1% buffer is added, so withdrawing every dollar of profit cannot breach it. That is a genuinely trader-friendly rule and the firm states it clearly — in the same paragraph where it also says the trail runs “unless you achieve 6% from your Initial balance”. It publishes 8% twice and 6% once, and reconciles them nowhere.
None of it changes the arithmetic above, because the trail governs the cap you will not reach. It matters after you pass, not before.
Three attempts, priced honestly
On a $100,000 account, against Blue Guardian’s own 2 Step Standard — the ordinary way to buy the same capital from the same firm.
| BNPL | 2 Step Standard | |
|---|---|---|
| One attempt, up front | $10 | $347 |
| Three failed attempts | $30 | $1,041 |
| Two failures, then a pass | $716 | $1,041 |
The middle row is the one that matters. BNPL is not cheaper overall — pass on the third go and you have paid $716 against $1,041. What it changes is where the money sits: failing costs $10 instead of $347, and the large payment only ever leaves your account on a day you have already succeeded. Whether that is worth $-325 depends on how often you expect to fail, which is the figure in the first section.
Our Blue Guardian code
This one is ours: using it pays us, and it costs you nothing extra. It is also the only thing on this page that has anything to do with money changing hands — every figure above is computed from Blue Guardian’s own rules, and the section that says its daily limit swallows its profit target was written with the same link on the page.
What this page does not establish
- · Whether Blue Guardian pays. No published rule answers that, and nothing here should be read as saying it will.
- · Whether the discount code applies to the balance charged on passing. The firm does not scope it.
- · Whether the balance is the full fee or the fee less the $10 already paid. The firm words it both ways, one sentence apart.
- · Assumes each trade is independent. Correlated positions — three majors against the dollar — lose together and count as one.
- · Assumes every trade risks the same amount. Raising size after a loss shortens the streak you can survive.
- · Uses your stated win rate. If that came from a demo account or a good month, the figure below is optimistic.
- · The firm also contradicts itself on the entry price ($5 against $10), on the size range ($10K–$400K against its own $5K–$200K table and checkout), and on when the trail locks (8% against 6%). All are recorded on the firm’s page.
Questions
- How does Blue Guardian Buy Now Pay Later work?
- You pay $10 to start, on any size the plan sells — $5K, $10K, $25K, $50K, $100K and $200K — and the rest only if you pass. The firm's own rules article: "Once the challenge has been successfully completed, traders simply pay the remaining balance to receive their funded account." Fail and you have spent $10. The balance is the figure shown struck through beside it, $52 on the smallest account up to $1,033 on the largest.
- What are the BNPL trading rules?
- One phase, a 4% profit target, a 4% daily loss limit and an 8% maximum drawdown that trails your highest closed balance. No time limit, and no minimum trading days to pass — "There is no minimum trading day requirement to pass the evaluation". At 1% risk per trade, 4 consecutive losing trades end the attempt.
- Is BNPL the easiest prop firm challenge?
- On the number most comparisons use, yes: 4% profit against an 8% drawdown is a difficulty ratio of 0.50, against a best of 0.33. On the number that decides attempts, no — it sits 8 of 90 at roughly 48%. The daily loss limit is the same 4% as the profit target, so the 8% drawdown the ratio is computed from is never the cap that ends you.
- Is the 8% drawdown static or trailing?
- Trailing, from the highest balance you have banked: "BPNL maximum drawdown will remain at 8% trailing of your Highest Watermark Closing Trade made." It stops trailing once the account is up 8%, locking at the starting balance with a further 1% buffer added. The same article also says the trail runs "unless you achieve 6% from your Initial balance" — the firm publishes 8% twice and 6% once as the threshold, and does not reconcile them.
- What is the daily loss limit measured from?
- Not from where the day opened. It resets at 5pm EST and is taken from the higher of your balance or your equity at that moment, so an open floating profit at the reset raises the next day’s floor. The firm’s worked example: $2,000 of floating profit on a $100K account at 5pm puts the next day’s floor at $98,000 rather than $96,000. Its marketing page describes the same rule as "measured from the day’s starting balance".
- Does the promo code come from you?
- Yes. JAGA is our affiliate code — 25% off all accounts — and using it pays us at no extra cost to you. It is worth saying what that does and does not buy: it does not move Blue Guardian up any ranking on this site, because every ranking here is a sort over numbers computed from published rules, with no field a commercial arrangement can reach. Blue Guardian also runs its own site-wide code at the same 25%, so the discount is available either way; what our link changes is who gets credited.