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Guide · Basics

How crypto funded accounts work

From evaluation to first payout: the steps, the rules and the numbers behind a crypto funded account, with a worked $100,000 example.

Short answer

You buy an evaluation, trade it to a profit target without breaking the loss limits, pass identity checks, then trade a funded account. On that account, you earn a share of the simulated profit, 80% as standard at Crypto Fund Trader, and request it on a set schedule. Break a rule at any stage and the account ends.

Step 1: choose a program

Programs differ in how many phases you pass and how the loss floor moves. The main types:

Program typeHow it worksExample at Crypto Fund Trader
Two-phase evaluationTwo targets in a row, usually with a fixed loss floor2-Phase: 8%, then 5%; 5% daily; 10% fixed floor
One-phase evaluationOne target, often with a trailing floor1-Phase: 10% target; 4% daily; 6% trailing floor
Instant fundingNo evaluation; tighter limits and lower leverageInstant: 4% daily, 6% overall, 1:5 on crypto
Pay after you passA small entry fee, the rest only if you passBreak: entry fee, then an activation fee

Compare the options: Crypto Fund Trader’s five programs, instant funding and pay-after-you-pass programs across firms.

Step 2: pass the evaluation

You trade toward the profit target while keeping above two floors: the daily limit, reset each day, and the overall floor. Most firms check both on equity, so open losses count. Crypto Fund Trader sets no time limit and no minimum number of trading days on its evaluations; some other firms set one or both.

Step 3: identity checks

Before the first reward, firms ask for KYC. Crypto Fund Trader asks for one proof of identity, one proof of address and a signed contract, once you reach a funded account.

Step 4: trade the funded account

The loss limits carry over. A breach ends the funded account, and with it any reward not yet requested. Some firms add rules at this stage: on Crypto Fund Trader’s Break accounts, a 40% consistency rule applies only once you are funded.

Step 5: request payouts

Each firm sets a schedule. At Crypto Fund Trader, 1-Phase and 2-Phase funded traders can request after 15 traded days or every 30 calendar days, and every 7 traded days with a paid add-on. Rewards go out by bank transfer or in USDT, BTC or ETH. Payout rules in full.

A worked example: $100,000 1-Phase

Crypto Fund Trader 1-Phase · $100,000

Fee
$619
Profit target
$10,000 (10%)
Daily loss limit on day 1
$4,000 (4%)
Overall floor at the start
$94,000, trailing up to $100,000
Funded: simulated profit of $8,000
Reward at 80% = $6,400

Profit in one day or from one trade counts only up to $10,000 at Crypto Fund Trader. Try your own numbers in the drawdown calculator.

How to get a crypto funded account

  1. Pick a firm whose platform and country rules fit you: crypto prop firms compared.
  2. Start with a small account while you learn the rules.
  3. Read the loss rules, then turn them into dollars before your first trade.
  4. Size positions so one bad trade cannot reach the daily limit.
  5. Keep screenshots of your trades and of any message from the firm.

FAQ

How long does it take to get funded?

As long as it takes you to reach the target. At firms with no time limit and no minimum days, such as Crypto Fund Trader, a fast trader can pass in days. Many take weeks, and many never pass.

Do you keep 100% of the profit?

No. You receive a share, 80% on Crypto Fund Trader’s 1-Phase and 2-Phase funded accounts, or up to 90% with its paid add-on.

What happens if you break a rule on a funded account?

The account ends. At Crypto Fund Trader, a suspended 1-Phase or 2-Phase funded account with profit can still qualify for a reward of up to 50% if every trade had a stop loss, none risked more than 2%, and you traded at least 15 days.