Moneta Funded
Everything below is read from Moneta Funded's own rules page and dated. What it costs and what it pays are on their site; what the rules mean at your risk per trade is not, and that is what this page adds.
Published rules
1-Step Challenge
difficulty ratio 1.67| Evaluation profit target | 10% |
| Maximum daily loss | 3% — ends the attempt |
| Maximum overall loss | 6% (static) |
| Minimum trading days | 3 |
| Profit split | up to 88% |
| Fee refunded on passing | no |
| Time limit | none published |
| At 1% risk per trade, the attempt ends after | 3 consecutive losers |
What it costs
| Account | Fee | Profit to break even |
|---|---|---|
| $5,000 | USD 42 | USD 48 |
| $10,000 | USD 90 | USD 102 |
| $25,000 | USD 215 | USD 244 |
| $50,000 | USD 465 | USD 528 |
| $100,000 | USD 840 | USD 955 |
One attempt. Multiply by the attempts you expect — the calculator does it .
- · The payout gate is stricter than the cadence suggests: 14 days since your first trade, an available profit of $500 or more, AND no payout in the prior 14 days. A fortnightly cycle with a floor attached is not a fortnightly cycle.
- · A 1.5% maximum floating loss applies on the funded account and can be lifted, but not by waiting: the firm requires 14 days AND 20 trades on a separate funded account.
2-Step Challenge
difficulty ratio 1.50| Phase 1 profit target | 5% |
| Phase 2 profit target | 10% |
| Maximum daily loss | 5% — ends the attempt |
| Maximum overall loss | 10% (static) |
| Minimum trading days | 3 |
| Profit split | up to 88% |
| Fee refunded on passing | no |
| Time limit | none published |
| At 1% risk per trade, the attempt ends after | 5 consecutive losers |
What it costs
| Account | Fee | Profit to break even |
|---|---|---|
| $5,000 | USD 45 | USD 51 |
| $10,000 | USD 105 | USD 119 |
| $25,000 | USD 245 | USD 278 |
| $50,000 | USD 526 | USD 598 |
| $100,000 | USD 950 | USD 1,080 |
One attempt. Multiply by the attempts you expect — the calculator does it .
- · Phase 2 asks DOUBLE Phase 1, 10% after 5%, which only Maven Trading’s Two Step Omo also does. The easy half comes first and the hard half comes after you have already paid attention for three trading days.
- · A SECOND CHANCE PROMOTION was live on the day this was read, running 12 to 25 August 2026, under which a breach does not simply end the attempt. Promotions that change what a breach does are rules for as long as they run, and this figure does not model it.
- · The same payout gate as the 1-Step: 14 days since the first trade, $500 available profit, and no payout in the previous 14 days.
2-Step Challenge (lower-cost)
difficulty ratio 1.88| Phase 1 profit target | 5% |
| Phase 2 profit target | 10% |
| Maximum daily loss | 4% — ends the attempt |
| Maximum overall loss | 8% (static) |
| Minimum trading days | 3 |
| Profit split | up to 88% |
| Fee refunded on passing | no |
| Time limit | none published |
| At 1% risk per trade, the attempt ends after | 4 consecutive losers |
What it costs
| Account | Fee | Profit to break even |
|---|---|---|
| $5,000 | USD 33 | USD 38 |
| $10,000 | USD 71 | USD 81 |
| $25,000 | USD 169 | USD 192 |
| $50,000 | USD 365 | USD 415 |
| $100,000 | USD 660 | USD 750 |
One attempt. Multiply by the attempts you expect — the calculator does it .
- · The same targets as the standard 2-Step at roughly thirty percent less money, in exchange for one point less daily room and two points less overall. Cheaper and tighter, which is the honest version of that trade.
- · The same Second Chance promotion applied while it ran, and the same payout gate.
Instant Funding
no evaluation| Profit target | none — funded from day one |
| Maximum daily loss | 3% — ends the attempt |
| Maximum overall loss | 5% (trailing intraday) |
| Minimum trading days | none published |
| Profit split | up to 88% |
| Fee refunded on passing | no |
| Time limit | none published |
| At 1% risk per trade, the attempt ends after | 3 consecutive losers |
What it costs
| Account | Fee | Profit to break even |
|---|---|---|
| $5,000 | USD 40 | USD 45 |
| $10,000 | USD 80 | USD 91 |
| $25,000 | USD 195 | USD 222 |
| $50,000 | USD 415 | USD 472 |
| $100,000 | USD 750 | USD 852 |
One attempt. Multiply by the attempts you expect — the calculator does it .
- · SOLD AS FOUR PRODUCTS WITH ONE SET OF CAPS. Moneta price this as a two-by-two matrix — a consistency rule of 15% or 20%, and a profit split of 60% or 88% — and the daily and overall limits are identical across all four. The ladder above is the cheapest corner, 15% consistency at a 60% split. At $100,000 the four run $750, $999, $1,099 and $1,450; the dearest buys the looser consistency rule and the larger share, not more room.
- · The consistency rule caps what one day may contribute to a payout; it does not breach the account.
- · No evaluation and no minimum trading days, so the caps are the entire product.
Instant Funding Pro
no evaluation| Profit target | none — funded from day one |
| Maximum daily loss | 4% — ends the attempt |
| Maximum overall loss | 8% (trailing intraday) |
| Minimum trading days | none published |
| Profit split | up to 88% |
| Fee refunded on passing | no |
| Time limit | none published |
| At 1% risk per trade, the attempt ends after | 4 consecutive losers |
What it costs
| Account | Fee | Profit to break even |
|---|---|---|
| $5,000 | USD 250 | USD 284 |
| $10,000 | USD 500 | USD 568 |
| $25,000 | USD 1,250 | USD 1,420 |
| $50,000 | USD 2,400 | USD 2,727 |
| $100,000 | USD 5,300 | USD 6,023 |
One attempt. Multiply by the attempts you expect — the calculator does it .
- · The most expensive product on this site at every size — $5,300 for a $100,000 account, against $750 for the same firm’s standard instant funding. What the money buys is room: four points of daily limit against three, and eight of overall against five.
- · Still a trailing-intraday drawdown, so the extra room is measured from the equity high rather than from where you started.
Phoenix Instant
no evaluation| Profit target | none — funded from day one |
| Maximum daily loss | 3% — ends the attempt |
| Maximum overall loss | 6% (static) |
| Minimum trading days | none published |
| Profit split | up to 88% |
| Fee refunded on passing | no |
| Time limit | none published |
| At 1% risk per trade, the attempt ends after | 3 consecutive losers |
What it costs
| Account | Fee | Profit to break even |
|---|---|---|
| $2,500 | USD 195 | USD 222 |
| $5,000 | USD 350 | USD 398 |
| $10,000 | USD 600 | USD 682 |
| $20,000 | USD 1,150 | USD 1,307 |
| $40,000 | USD 2,600 | USD 2,955 |
| $80,000 | USD 5,400 | USD 6,136 |
One attempt. Multiply by the attempts you expect — the calculator does it .
- · The only Moneta instant product with a STATIC drawdown; the others all trail the equity high inside the session. That is what the price is buying, and it is a bigger difference than the percentages suggest.
- · Sold on its own size ladder — $2,500 to $80,000 — rather than the $5,000 to $100,000 the rest of the range uses.
- · The firm designates it a scaling programme, and its own product listing gives it a profit target while its programme article does not. Recorded with no phases because it is sold as instant funding.
Moneta Funded — product offerings — read 2026-08-23
Questions
- What are Moneta Funded's challenge rules?
- As published on the firm's own pages, read 2026-08-23: 1-Step Challenge: 10% target, 3% daily limit, 6% overall (static); 2-Step Challenge: 5% + 10% target, 5% daily limit, 10% overall (static); 2-Step Challenge (lower-cost): 5% + 10% target, 4% daily limit, 8% overall (static); Instant Funding: no profit target, 3% daily limit, 5% overall (trailing intraday); Instant Funding Pro: no profit target, 4% daily limit, 8% overall (trailing intraday); Phoenix Instant: no profit target, 3% daily limit, 6% overall (static). What these mean at your own risk per trade — how many consecutive losing trades each cap allows — is computed in the tables on this page.
- Does Moneta Funded refund the challenge fee?
- 1-Step Challenge: no; 2-Step Challenge: no; 2-Step Challenge (lower-cost): no; Instant Funding: no; Instant Funding Pro: no; Phoenix Instant: no. Where a refund exists, when it actually arrives is recorded in the rules above — several firms pay it with a later reward rather than on passing.
What is not on this page
A pass rate. Nobody publishes one, and the percentages in circulation come from firms selling challenges or affiliates earning on sign-ups. A number with that provenance would make this page look more authoritative and be worth less.
Fees are shown as displayed on the date read, and prop firms discount often — treat the figure as a snapshot and check the firm's own page before paying. What this page adds is the part that page does not tell you: what the rules mean at the risk you actually trade, and what the attempt costs once you stop assuming you pass first time. Run them against your own numbers.
Before you buy an attempt
Work out how many consecutive losers the drawdown allows at your risk per trade, and multiply the fee by the number of attempts you honestly expect. Both take a minute and both change the decision.