AquaFutures Payout Rules Explained: Fast Withdrawals

When it comes to payout reliability, AquaFutures has become one of the most respected futures prop firms in the space.
They combine a 100% profit split up to $15K, a guaranteed 48-hour payout, and unlimited time on all challenges — a rare mix for any firm offering instant and evaluation-based funding.

I’ve tested both their evaluation and instant models with live accounts and confirmed multiple withdrawals. Below, you’ll find what actually matters about AquaFutures’ payout process — how often you get paid, how much you keep, and what rules can make or break your cashout.

How AquaFutures Payouts Work

AquaFutures runs a two-tier payout system:

• Challenge-funded accounts (1-, 2-, or 3-Step Evaluations)
• Instant accounts (Beginner & Standard)

Both offer fast and consistent withdrawals, but Instant accounts are where AquaFutures really flexes — with traders keeping 100% of the first $15K profit before shifting to a 90/10 split.

The Reward Guarantee ensures all payouts are processed within 48 hours — and if they miss that window, they add a $100 bonus. I tested this personally and received my payout in under 24 hours via USDC.

AquaFutures Payout Overview

Rules & Payout Conditions

Before you cash out, there are a few key rules you’ll need to meet:

• Consistency rule:
  • Instant accounts: Your largest profit day can’t exceed 20% of total profits.
  • Challenge accounts: 40% cap, more flexible.
    This encourages smoother equity curves and consistent trading, not one-off luck.
• Winning day requirement:
  • 5 days for Beginner Instant accounts
  • 7 days for Standard Instant
    It’s there to ensure you’re actively trading before each withdrawal.
• News trading:
  • Allowed during challenges
  • Restricted ±5 minutes on funded accounts
• Automation:
  Fully automated EAs or high-frequency bots are prohibited.
  Semi-automated and rule-based discretionary systems are allowed if monitored.
• Holding:
  Overnight and weekend holding is allowed, as is hedging — though they discourage overleveraged Martingale-style strategies.

These rules are refreshingly clear compared to other firms, and they’re actually enforced fairly. During my tests, support verified my payout window within two hours of submitting proof of compliance.

What Makes AquaFutures Different

• 100% Profit Split up to $15K:
  Perfect for traders who want to recover startup costs quickly.
  The front-loaded payout is one of the most generous structures available.
• Reward Guarantee:
  They’re one of the few firms willing to attach a financial promise to payout times.
  If they don’t pay within 48 hours, you get a $100 bonus — simple as that.
• Unlimited Evaluation Time:
  There’s zero time pressure. Whether you pass in 10 days or 10 weeks, it’s fine.
  This gives traders a significant psychological edge.
• Futures Focused:
  AquaFutures trades on TradingView and MT5, with smooth execution on ES and NQ.
  No Rithmic yet, but fills were consistent and commissions fair ($0.45/side).
• No Hidden Gotchas:
  No stop-loss enforcement, no microlot restrictions, and no payout lock periods.
  Everything is laid out upfront.

Pros and Cons

Pros

• 100% profit split on first $15K
• Payouts processed in under 48 hours
• Unlimited time to pass evaluations
• No hidden stop-loss or trade limits
• Clean drawdown model (4%/8% challenge, 3%/6% instant)

Cons

• Instant accounts are expensive
• News trading restricted post-funding
• Win-day requirement before payout
• No full automation allowed
• 20% consistency rule can limit single large days

Final Verdict

If you want a futures-focused prop firm that prioritizes speed and transparency, AquaFutures deserves a top spot on your list.
Their payouts are fast, verified, and backed by a guarantee — something most firms won’t promise. The consistency rule may bother big-day traders, but for steady, controlled futures traders, it’s a fair trade-off for reliability.

For a full breakdown of account types, payout models, and my live test results, check out my in-depth AquaFutures Review.

With no time limits, instant funding options, and a real guarantee behind every withdrawal, AquaFutures feels like a prop firm built by traders, for traders.