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Crypto Fund Trader review: rules, prices and payouts

Switzerland·Founded 2022
80% base split, 90% with add-on550+ crypto futures pairs on Bybit routeNo evaluation time limit, 0 minimum daysWeekend holding allowedFirst reward after 15 traded days10,000 dollar daily profit capInstant split starts at 50%Trust score hidden, warning shown
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​$40

From ​$40

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Cheapest start$40$5K · 1 Step
Daily / max loss4% / 6%trailing max loss

Trust score

Trustpilot
—1,110 reviews · Score unavailable · 14% one-star
5★77%
4★5%
3★2%
2★2%
1★14%
1★2★3★4★5★4.893.824.164.464.374.563.463.334.54.692.73.06Nov 2025Dec 2025Jan 2026Feb 2026Mar 2026Apr 2026May 2026Jun 2026Jul 2026Aug 2026Sep 2026Oct 2026
Average stars per month (Trustpilot). Red points are months under 3.5. Source ↗
Our verdict

Crypto Fund Trader suits a trader who wants very broad crypto coverage — more than 550 futures pairs on the Bybit route and more than 720 instruments on Match-Trader and MetaTrader 5 — with a choice of Instant, 1-Phase or 2-Phase routes and no evaluation time limit. The trade-offs are a first reward only after 15 traded days or 30 calendar days on 1-Phase and 2-Phase accounts, a 10,000 dollar daily profit cap, and an Instant split that starts at 50 percent against 80 percent on the phased routes. Trustpilot currently shows no live profile page for the firm, so there is no current score to quote; the last recorded snapshot hid the score behind a guidelines warning, with about 1 in 7 reviews at 1 star. One caution before buying: the firm's own site could not be reached in the latest check, so its coupon status, restricted-country note and the 90 percent add-on are carried values, not freshly confirmed.

What traders likeReviewers describe responsive, helpful supportReviewers report fast, reliable payoutsReviewers find the rules clear and trader-friendlyReviewers like the spreads and trading conditionsReviewers praise the trading platform as easy to use or smooth and reliable to trade on
What traders complain aboutSlow, dismissive or unhelpful support when disputing a decisionPayouts denied, delayed or restrictedAccounts breached under drawdown or rule checks that traders call unclear or unfairAccounts banned or closed, often after a payout requestReviewers call the marketing and review practices misleading
True cost to get funded
One-time
​$369
1-Phase · no activation

1-Phase is a one-time fee of ​$369, so the months slider does not change it.

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Crypto Fund Trader true cost calculator

Summary

Crypto Fund Trader, run by SWISS RLCRATES AG of Zug, Switzerland and founded in November 2022, offers Instant, 1-Phase and 2-Phase evaluations on Match-Trader, MetaTrader 5 and Bybit, with Bybit pricing for its crypto futures route. Account sizes run from 2,500 to 200,000 dollars, with combined funded allocation capped at 300,000 dollars, and one-time fees from 40 to 1,250 dollars by plan and size. The 1-Phase plan targets 10 percent with a 4 percent daily loss limit and a 6 percent trailing maximum loss, while the 2-Phase plan targets 8 then 5 percent. Traders keep 80 percent by default, 90 percent with a paid add-on, and can request a first reward after 15 traded days or 30 calendar days.

Firm overview

CEO—
Where does price data come from?—
Where is the firm based?Switzerland
Founded2022
Legal entitySWISS RLCRATES AG

Instruments and assets

Example symbolsBTC/USDTETH/USDTSOL/USDTXRP/USDTBNB/USDTADA/USDTDOGE/USDTLINK/USDTAVAX/USDTLTC/USDTDOT/USDTARB/USDTATOM/USDTNEAR/USDTUNI/USDT

Leverage

Commodities Advanced1:100
Commodities Student1:30
Crypto Advanced Match-Trader and MT51:100
Crypto BybitUp to 1:100 depending on instrument
Crypto Instant1:5
Crypto Student Match-Trader and MT51:5
Forex Advanced1:100
Forex Student1:30
Indices Advanced1:100
Indices Student1:20
Stocks Advanced1:100
Stocks Student1:5

Commissions

Example A 10,000 dollar BTC position on Match-Trader or MT5 costs about 6.50 dollars in commission round trip: 3.25 dollars to open plus 3.25 dollars to close, excluding spread, slippage and any overnight swap or Bybit funding.

Consistency

Evaluationnone
Funded account40% on Break Final Stage only, checked at reward request; none stated for 1-Phase and 2-Phase final stage

Firm rules

Minimum trading days0 for 1-Phase, 2-Phase and Instant evaluations. Final stage reward requests for 1-Phase and 2-Phase require 15 traded days or, alternatively, every 30 calendar days. Break final stage has no minimum traded days. Instant Withdrawal and Upgrade requires 10 percent simulated profit with no minimum trading days.
News tradingAllowed with no restrictions on most programs. Ascend is the exception: no new trades or added risk from 2 minutes before to 2 minutes after a high-impact news event or market opening, with no more than 2 percent of initial balance at risk in that window.
Copy tradingCopy trading is allowed in Break accounts only during the evaluation phase and only between the trader's own Break accounts; it is not allowed in Break Final Stage. Copy trading is prohibited in Ascend accounts. General copy trading is otherwise governed by the reverse trading and cross-account hedging bans below; no separate general copy-trading permission was published in the official FAQ.
Automated strategiesAutomated strategies are permitted except high-frequency trading, tick scalping, arbitrage, news scalping expert advisors, arbitrage expert advisors and multi-account reverse trading expert advisors, or any similar system designed to exploit the platform or data feed.
ResetsPaid reset for suspended 1-Phase and 2-Phase final stage accounts, only if every trade had a stop loss and no trade risked more than 2 percent of account size, requested within 30 calendar days of the violation.
Prohibited strategiesHedging across accounts, including accounts under different email addresses, Reverse trading with opposite positions open at the same time for 60 seconds or longer, High-frequency trading, Tick scalping, manual or automated, Arbitrage, including latency arbitrage, Gambling-style trading and all-in trading, Abusive hedging, News scalping, arbitrage and multi-account reverse trading expert advisors, Adding funds to an assigned Bybit sub-account, Disconnecting or modifying the assigned Bybit API connection, Spot trading, options trading and USDC pairs on Bybit accounts

Challenges

ProgramAccountPriceActivationTargetMax lossDrawdownDaily lossTrue cost (1 mo) ↓
1-Phase​$5K​$40 once$0 (Free)​$500​$300Trailing4%​$40Get
1-Phase​$10K​$80 once$0 (Free)​$1,000​$600Trailing4%​$80Get
1-Phase​$25K​$219 once$0 (Free)​$2,500​$1,500Trailing4%​$219Get
1-Phase​$50K​$369 once$0 (Free)​$5,000​$3,000Trailing4%​$369Get
1-Phase​$100K​$619 once$0 (Free)​$10,000​$6,000Trailing4%​$619Get
1-Phase​$200K​$1,199 once$0 (Free)​$20,000​$12,000Trailing4%​$1,199Get
2-Phase​$5K​$58 once$0 (Free)​$400​$500Static5%​$58Get
2-Phase​$10K​$110 once$0 (Free)​$800​$1,000Static5%​$110Get
2-Phase​$25K​$240 once$0 (Free)​$2,000​$2,500Static5%​$240Get
2-Phase​$50K​$389 once$0 (Free)​$4,000​$5,000Static5%​$389Get
2-Phase​$100K​$660 once$0 (Free)​$8,000​$10,000Static5%​$660Get
2-Phase​$200K​$1,250 once$0 (Free)​$16,000​$20,000Static5%​$1,250Get
Instant​$2,500​$125 once$0 (Free)—​$150Static4%​$125Get
Instant​$5K​$240 once$0 (Free)—​$300Static4%​$240Get
Instant​$10K​$475 once$0 (Free)—​$600Static4%​$475Get

Payouts

Profit split80% to the trader
FrequencyEvery 15 traded days or every 30 calendar days for 1-Phase and 2-Phase final stage. Weekly Scholarship Request add-on, costing 20 percent of the evaluation price, allows requests every 7 traded days. Break accounts pay on demand after activation. Instant pays on Withdrawal and Upgrade at 10 percent profit, or under standard final stage conditions before that point.

Restricted countries

Restricted-country status is not confirmed from the firm's own site: the official site could not be reached in the latest check, so the official FAQ Match-Trader / MT5-United States note below could not be re-checked. Carried values: Match-Trader has no country restrictions, MetaTrader 5 is not available to United States residents, no additional firm country restrictions on Bybit evaluations.

Limited (2).

United States: MetaTrader 5 not available to users residing in the United StatesBybit route: no additional firm country restrictions, but traders must comply with Bybit Terms of Service and jurisdictional restrictions, at their own risk

Announcements

September 20, 2026 · Instant Payouts are hereEligible payout requests can now be processed in under 1 minute, with existing payout eligibility rules unchanged.
July 15, 2026 · Gold trading is backGold trading returned to the firm, offered alongside its challenge accounts.
June 9, 2026 · New Break Accounts AvailableBreak Accounts launched with on-demand payouts, one phase, no minimum trading days and lower entry pricing.

FAQ

What does a Crypto Fund Trader challenge cost?One-time dollar fees by plan and size: 1-Phase from 40 dollars for 5,000 to 1,199 dollars for 200,000; 2-Phase from 58 dollars for 5,000 to 1,250 dollars for 200,000; Instant from 125 dollars for 2,500 to 475 dollars for 10,000. Break accounts also carry an activation fee of 138, 198 or 328 dollars by size. No activation fee applies to 1-Phase, 2-Phase or Instant.
What are the drawdown limits?1-Phase: 4 percent daily and 6 percent trailing, locking at starting balance at plus 6 percent. 2-Phase: 5 percent daily and 10 percent static. Instant: 4 percent daily and 6 percent overall. Break: 4 percent trailing on 25,000 and 50,000 accounts and 3 percent trailing on 100,000 accounts.
Is there a consistency rule?No, during evaluation. On Break Final Stage accounts only, no single day may exceed 40 percent of total profits when a reward is requested. No consistency rule for 1-Phase or 2-Phase final stage.
What split do I get, and is there a minimum payout?80 percent base for 1-Phase and 2-Phase, 90 percent with the paid Bonus Performance add-on. Instant starts at 50 percent and scales to 90 percent as the account doubles. The first reward for 1-Phase and 2-Phase comes after 15 traded days or 30 calendar days, and no minimum payout amount was published.
Can I hold crypto over the weekend?Yes, positions may be held overnight and over the weekend on all account types and instruments, with crypto markets open 24 hours a day, 7 days a week.
Can I trade news?Yes, news trading is allowed with no restrictions on most programs. Ascend is the exception, with no new trades or added risk from 2 minutes before to 2 minutes after a high-impact event or market opening.
Can I use bots or expert advisors?Automated strategies are permitted except high-frequency trading, tick scalping, arbitrage, news scalping expert advisors, arbitrage expert advisors and multi-account reverse trading expert advisors, or any system designed to exploit the platform or data feed.
Which countries cannot join?The firm publishes no fully restricted country list. Match-Trader has no country restrictions, MetaTrader 5 is not available to United States residents, and Bybit evaluations carry no additional firm restrictions, subject to Bybit terms and local law.

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Public Reddit threads about this firm — titles and short paraphrased themes, not full posts.

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Is Crypto Fund Trader legit?

Crypto Fund Trader is a firm founded in November 2022 in Switzerland offering crypto, forex, and other markets through instant, 1-Phase, and 2-Phase evaluations. Payouts run every 15 traded days or 30 calendar days on 1-Phase and 2-Phase plans. Prop firms are not regulated like brokers, so read the payout and hedging rules before you pay, since reviewers dispute how those rules were applied.

Founded
Founded in November 2022. The firm is based in Zug, Switzerland.
Trustpilot
No score is shown: the page carries a warning, and the score is hidden. 1,110 reviews in October 2026.
Payouts
Every 15 traded days or every 30 calendar days on 1-Phase and 2-Phase plans. Instant accounts pay on withdrawal and upgrade at 10% profit. Payouts go by bank transfer in EUR or USD, or to a crypto wallet. No minimum payout amount is stated on this page.
Watch out for
Negative reviews mention profits withheld or payouts refused after profitable trading, and accounts blocked over alleged hedging or shared connections.
Our take
A broad-asset firm with a Bybit route, whose review page needs reading alongside its rules. Prop trading can cost you every fee you pay.

Updated 2026-10-26

Crypto Fund Trader price history and rule changes

From our weekly snapshots of the firm's own site.

Cheapest $2.5K plan, list price

$1252026-10-25$1252026-11-01

No plan changes since we started tracking.