What changed
Fintokei published a new StartTrader ruleset on October 21, 2026, applying to accounts purchased from that date. The old 3-phase structure with 2%, 3% and 6% profit targets is replaced by a single phase with a 3% target. The daily loss limit drops from 3% to 2% but gains a soft-breach mechanic, the max loss limit rises from 6% to 8%, and the consistency rule is removed entirely. Time limits flip from a maximum of 180 calendar days per phase to a minimum of 3 trading days and a maximum of 60 calendar days, and the dynamic performance reward becomes a flat 80%.
| Rule | Before | After |
|---|---|---|
| Challenge structure | 3 phases | 1 phase |
| Profit target | 2% / 3% / 6% | 3% |
| Daily loss limit | 3% | 2% (first hit = soft breach) |
| Max loss limit | 6% | 8% |
| Consistency rule | Yes | No |
| Time limit | Max 180 days per phase | 3-60 calendar days |
| Performance reward | Dynamic (DPR) | 80% flat |
How the soft breach works
Hitting the 2% daily loss limit for the first time no longer closes the account. All open positions are closed and the account switches to read-only until 00:00 UTC, when it reactivates automatically with a recalculated daily loss limit. A second daily-loss hit is a standard hard breach, the same as breaching the 8% max loss. The soft breach applies separately at each stage: the challenge account and the virtually funded account each allow one. It does not change the 80% reward or the 3% profit target.
Payout cap and eligibility
Funded StartTrader accounts now carry a lifetime payout cap of $400 (or currency equivalent) per account, across a maximum of two payout requests, each needing at least 2% profit ($100 minimum). Reaching the cap closes the account as a "Maximum profit reached" milestone rather than a breach, and Fintokei says it will invite those traders toward ProTrader or SwiftTrader. Purchase eligibility also tightened: StartTrader is reserved for completely new Fintokei clients as their first or first-and-second purchase, a maximum of two accounts per lifetime, one active at a time, $5,000 tier only at launch. Accounts bought before October 21, 2026 keep their original rules in full.
Frequently asked questions
Do the new StartTrader rules apply to my existing account?
No. Accounts purchased before October 21, 2026 keep the exact rules they were bought under, including the 3-phase structure and old loss limits. Fintokei states the changes are not retroactive.
What is a soft breach?
A first hit of the 2% daily loss limit closes your positions and makes the account read-only until 00:00 UTC, when it reactivates. A second daily-loss hit closes the account as a standard breach.
How much can I withdraw from StartTrader now?
Up to $400 per account in total, across a maximum of two payout requests, each requiring at least 2% profit. Reaching the cap closes the account as a maximum-profit milestone.
Who can buy StartTrader?
Only brand-new Fintokei clients, as their first or second purchase, with no other Fintokei program bought in between. Maximum two accounts per lifetime, one active at a time, at the $5,000 size only.
Prop trading carries a real risk of losing every fee you pay. This article is general information, not financial advice. Always read the firm's own rules before you buy.