NEOMAAA Funded 2-Step Origin: The Cheapest $100K Account (2026)

Currently testing: I signed up for NEOMAAA Funded and started trading their accounts alongside my Lucid Trading and TakeProfitTrader setups. No payouts yet, but the onboarding was smooth and the trading conditions feel professional. What you're reading comes from active account usage, not marketing material.

If you want to compare all seven NEOMAAA Funded account types side by side, including Origin vs Prime pricing, profit targets, and which one fits your trading style, read my complete NEOMAAA Funded account types breakdown. For the absolute latest, check NEOMAAA Funded's website or their help center.

The NEOMAAA Funded 2-Step Origin is the cheapest way to get a $100K funded account at this firm. As of March 2026, it costs $485 with split profit targets of 6% per phase and the widest max trailing drawdown in the Origin line at 8%.

I'm currently trading NEOMAAA alongside Lucid Trading and TakeProfitTrader. The 2-Step Origin caught my attention because it's the lowest-risk entry point into the NEOMAAA ecosystem. Two phases. Lower per-phase targets. Maximum trailing room.

This breakdown covers the exact mechanics, the real cost-per-attempt math, how to approach each phase differently, and who should choose this over the five other account types NEOMAAA offers.

What Are the NEOMAAA Funded 2-Step Origin Rules?

NEOMAAA Funded's 2-Step Origin requires traders to pass two evaluation phases before receiving funded capital. Both phases have identical profit targets: 6% each. On a $100K account, that's $6,000 per phase.

The core rules as of March 2026:

The 4% daily drawdown gives you $4,000 of room per day on a $100K account. The 8% max trailing drawdown means your equity floor trails $8,000 below your peak balance. Those are the widest drawdown parameters in the Origin line, identical to the 2-Step Prime.

No time limit on either phase. No minimum trading days during evaluation. You can technically pass both phases in two days if you hit both targets immediately.

Why Does Splitting the Target to 6%/6% Reduce Pressure?

The math on split targets is straightforward, but the psychological effect is where it matters.

A 1-Step evaluation requires you to make $10,000 on a $100K account in a single unbroken run. The 2-Step Origin asks for $6,000 twice. That's $12,000 combined, technically more. But each individual phase demands less.

$6,000 on $100K is 6%. That's a lower bar for any single stretch of trading. You hit it, lock it in, and start fresh. If you have a rough patch midway through your 1-Step evaluation and drop $4,000 before recovering, you've eaten into your trailing drawdown significantly. On the 2-Step, you'd hit the $6,000 target, reset to a clean Phase 2, and deal with your rough patches in a fresh $100K account.

The reset between phases also resets your trailing drawdown. You start Phase 2 with a full $8,000 trailing buffer from $100K, regardless of how close you came to the floor in Phase 1.

From a risk management perspective, the 2-Step structure rewards consistency over big swings. If you can make 6% reliably, you'll pass both phases without drama. If you rely on a single outsized trade to hit 10%, the 1-Step might seem faster but carries more variance risk.

I've seen this pattern across every prop firm I've traded. Two-step evaluations consistently have higher pass rates than single-step evaluations at the same total target. The mental relief of "I only need 6%" versus "I need 10%" changes how you trade.

How Should Phase 1 Strategy Differ From Phase 2?

NEOMAAA Funded's 2-Step Origin resets your account between phases. Same rules, same drawdown limits, fresh starting balance. But that doesn't mean you should trade identically in both.

Phase 1 is where you earn the right to Phase 2. Your goal is hitting $6,000 in profit while staying above the $92,000 trailing floor. The risk tolerance here should be moderate. You're still proving the concept.

I'd suggest slightly smaller position sizes in Phase 1 compared to what you might normally trade. The reasoning: a blown Phase 1 costs you $485 in reset fees (or a full repurchase). A blown Phase 2 costs you the same, but you've already invested the time and emotional energy of passing Phase 1. Protecting Phase 1 progress matters.

Phase 2 strategy can be more direct. You know the platform. You know the execution speed. You've already demonstrated the ability to hit 6%. Now do it again with the confidence of having done it before.

One concrete difference: consider targeting slightly higher daily profit goals in Phase 2. If you averaged $500/day in Phase 1 to reach $6,000 in 12 trading days, try $600-700/day in Phase 2. Not through bigger positions, but through slightly more aggressive trade selection. You've already proven the base strategy works.

The trailing drawdown in Phase 2 starts fresh at $92,000. Don't let an early drawdown in Phase 2 shake you. You have the full $8,000 buffer. Use it.

How Does NEOMAAA Funded 2-Step Origin Compare on Price?

NEOMAAA Funded's 2-Step Origin at $485 for a $100K evaluation sits in a competitive range for the prop trading industry. Here's how the cost stacks up against other NEOMAAA accounts:

The 2-Step Origin has the lowest raw price at $485 and the lowest cost-per-percentage-point-of-target at $40.42. You're getting more target-per-dollar than any other NEOMAAA account. The NOVA is cheaper at $300, but it comes with a 30-day time limit and a different drawdown structure.

The reset fee at NEOMAAA is 15% off the regular price. For the 2-Step Origin, that's roughly $412 per reset. If you expect to need 2 attempts to pass, your total cost lands around $897. Still cheaper than the Instant Prime's $999 with no evaluation at all.

What Is the Real Cost of Multiple Attempts?

Let's be realistic about pass rates. Most traders don't pass on their first attempt.

NEOMAAA Funded offers resets at 15% off the regular price. For the 2-Step Origin at $485, a reset costs approximately $412.

Cost scenarios for the 2-Step Origin at $100K:

• 1 attempt: $485
• 2 attempts: $485 + $412 = $897
• 3 attempts: $485 + $412 + $412 = $1,309
• 4 attempts: $485 + $412 + $412 + $412 = $1,721

After 3 attempts, you've spent more than the Instant Prime ($999) costs. After 4 attempts, you're approaching the cost of two separate Instant Prime accounts.

This is why pass rate matters more than sticker price. A $485 account that takes 3 attempts costs $1,309. A $640 1-Step Prime passed on the first try costs $640. The cheapest account isn't always the cheapest path to funded capital.

My honest assessment: if your prop trading experience is limited and you expect multiple failures, the 2-Step Origin is still the right starting point. The lower per-attempt cost keeps your total investment manageable while you're learning. Once you're consistently passing on the first or second try, you can evaluate whether the 1-Step or Prime lines make more sense.

What Does the 8% Max Trailing Drawdown Mean in Dollar Terms?

NEOMAAA Funded's 2-Step Origin has an 8% max trailing drawdown. On a $100K account, that's $8,000. The trailing floor starts at $92,000 and moves up with your peak equity.

Here's how it works in practice:

You start trading. Your balance is $100,000. Your trailing floor is $92,000. You make $3,000 in the first week, pushing your peak balance to $103,000. The floor moves to $95,000 ($103,000 minus $8,000).

Now you have a drawdown. You drop $5,000, bringing your balance to $98,000. You're still above the $95,000 floor. Alive. But if you drop another $3,001, you hit $94,999 and violate the trailing drawdown. Account closed.

The $8,000 buffer is the widest in NEOMAAA's standard evaluation lineup (tied with the 2-Step Prime). Compare that to the 1-Step Origin at 7% ($7,000) or the 1-Step Prime at 5% ($5,000).

That extra $1,000-$3,000 of trailing room makes a real difference during volatile market conditions. An FOMC announcement that spikes your open position $2,000 against you is more survivable with $8,000 of trailing room than $5,000.

After your first funded payout, the trailing drawdown converts to a static drawdown. Your floor locks at the current trailing level and stops moving. This is one of the best structural features NEOMAAA offers. Once you're funded and have extracted profits, the drawdown can't chase your equity upward anymore.

Who Is the NEOMAAA Funded 2-Step Origin Built For?

This account is designed for three types of traders.

Budget-conscious starters. At $485, it's the cheapest standard evaluation NEOMAAA offers. If you're testing the firm for the first time and don't want to risk $600+ on your first account, the 2-Step Origin minimizes your financial exposure.

Consistency-focused traders. The split 6%/6% target rewards steady daily gains over big-swing trades. If your style is grinding $300-600 per day rather than swinging for $2,000+ sessions, the 2-Step structure aligns with your approach.

Risk-averse traders. The 8% max trailing drawdown is the most forgiving non-Instant product NEOMAAA offers. Combined with 4% daily drawdown, you have substantial room to weather losing streaks without violating the account.

This account is NOT ideal for:

• Traders who want the fastest path to funded (the 1-Step variants skip Phase 2)
• Traders who need 14-day payout cycles (Origin pays out every 30 days)
• Aggressive position sizers who regularly test drawdown limits
• Traders who've already proven they can pass single-step evaluations consistently

Does the W35 Promo Code Work on the 2-Step Origin?

NEOMAAA Funded occasionally runs promotional pricing. At the time of writing, the W35 code has been associated with buy-one-get-one promotions on certain accounts. Promo availability and terms change frequently, so check the NEOMAAA website directly for current deals.

If BOGO pricing is active, the 2-Step Origin becomes an exceptional value play. Two $100K evaluations for $485 total means each attempt costs $242.50. Even if you fail one, you still have a second shot included in the price.

The W35 promo combined with the 2-Step Origin's already-low base price creates what I'd call the lowest-risk entry into NEOMAAA Funded. You're getting maximum evaluation attempts per dollar spent.

I always recommend checking the firm's website before purchasing any account. Prop firm promos rotate constantly, and the pricing you see today might not be there tomorrow.

How Long Does It Take to Pass the NEOMAAA Funded 2-Step Origin?

There's no time limit on either phase of the NEOMAAA Funded 2-Step Origin. You could technically take six months per phase if you wanted. But most traders who pass do so within a few weeks per phase.

At a conservative $500/day profit target on a $100K account, you'd need 12 trading days to hit $6,000. Multiply by two phases: 24 trading days total, roughly 5 weeks of regular trading.

At a more aggressive $1,000/day target, you'd need 6 trading days per phase. 12 days total, under 3 weeks.

The reality is messier. Some days you'll make $1,500. Some days you'll lose $800. The path to $6,000 isn't linear. What the no-time-limit structure does is remove the calendar pressure that forces bad trades. You don't need to hit $6,000 by Friday. You can take a losing week, step back, and come back fresh.

No minimum trading days during evaluation either. If you hit $6,000 in a single day, NEOMAAA will advance you to Phase 2 immediately. Though I'd argue anyone making 6% in a single session is either extremely skilled or taking on more risk than the drawdowns can handle.

What Happens After Passing Both Phases?

Once you clear Phase 1 and Phase 2 of the NEOMAAA Funded 2-Step Origin, you receive a funded account with real capital. The account starts at $100K with the same 4% daily drawdown and 8% max trailing drawdown.

The funded account differences from evaluation:

• No profit target. You trade for profits, not a pass threshold.
• 5 minimum trading days required before each payout request.
• 30-day payout cycle. You can request a withdrawal every 30 days.
• 70-90% profit split, with the percentage increasing over time.
• Trailing drawdown converts to static after your first successful payout.
• News trading restrictions apply: no trading within 5 minutes of Tier 1 news events.
• KYC verification required before your first payout (government ID + proof of address).
• 100% refund of your evaluation fee comes with your second funded withdrawal.

The evaluation fee refund is worth flagging. NEOMAAA Funded returns your full $485 with your second payout. So your real cost of entry is zero if you pass and reach two successful withdrawals.

Scaling from the funded account happens quarterly. NEOMAAA can increase your account from $100K up to $400K based on consistent performance. The scaling criteria apply equally to Origin and Prime accounts.

The bottom line: NEOMAAA Funded's 2-Step Origin at $485 is the firm's best value entry point for $100K of trading capital. The split 6%/6% targets reduce per-phase pressure, the 8% max trailing drawdown gives you the widest buffer in the non-Instant lineup, and the no-time-limit structure removes calendar stress. You trade slower payout cycles (30 days versus Prime's 14 days) and need to clear two evaluation phases instead of one. For traders who prioritize low entry cost and maximum risk room over speed, the 2-Step Origin is where I'd start. If you consistently pass on the first or second attempt, the total cost stays under $900 and you're on your way to scaling a $400K account.

Frequently Asked Questions

How much does the NEOMAAA Funded 2-Step Origin cost?

NEOMAAA Funded's 2-Step Origin costs $485 at the $100K account tier as of March 2026. This is the cheapest standard evaluation NEOMAAA offers. Reset attempts cost approximately $412, which is 15% off the regular price.

What are the profit targets for the NEOMAAA Funded 2-Step Origin?

NEOMAAA Funded's 2-Step Origin requires a 6% profit target in Phase 1 and a 6% profit target in Phase 2. On a $100K account, that's $6,000 per phase. The combined 12% total is higher than the 1-Step Origin's 10%, but each individual phase is lower.

What is the max trailing drawdown on the NEOMAAA Funded 2-Step Origin?

NEOMAAA Funded's 2-Step Origin has an 8% max trailing drawdown. On a $100K account, that's an $8,000 buffer from your peak equity. This is the widest trailing drawdown in the standard Origin lineup and matches the 2-Step Prime. The trailing converts to static after the first funded payout.

Is there a time limit on the NEOMAAA Funded 2-Step Origin evaluation?

No. NEOMAAA Funded's 2-Step Origin has no time limit on either Phase 1 or Phase 2. Traders can take as long as needed to hit the 6% profit target in each phase. There are also no minimum trading day requirements during the evaluation phases.

What platform does the NEOMAAA Funded 2-Step Origin use?

NEOMAAA Funded's 2-Step Origin runs on MetaTrader 5 (MT5). NEOMAAA also supports TradeLocker across their product lineup. MT5 is the primary platform for Origin and Prime accounts, offering full EA compatibility and standard charting tools.

Can I get a refund on the NEOMAAA Funded 2-Step Origin evaluation fee?

Yes. NEOMAAA Funded returns 100% of the evaluation fee ($485 for the 2-Step Origin) with the trader's second funded payout. This means the effective cost of the evaluation is zero for traders who pass and reach two successful withdrawals.

How does the 2-Step Origin compare to the 1-Step Origin at NEOMAAA Funded?

NEOMAAA Funded's 2-Step Origin ($485) is $111 cheaper than the 1-Step Origin ($596). The 2-Step splits its target into two 6% phases versus one 10% phase. The 2-Step also has a wider 8% max trailing drawdown compared to the 1-Step's 7%. The tradeoff is needing to pass two phases instead of one.

What is the daily drawdown limit on the NEOMAAA Funded 2-Step Origin?

NEOMAAA Funded's 2-Step Origin has a 4% daily drawdown limit. On a $100K account, that equals $4,000 maximum loss in a single trading day. This matches the 1-Step Origin and falls between the 1-Step Prime (3%) and 2-Step Prime (5%).

Does the NEOMAAA Funded 2-Step Origin allow swing trading?

Yes. NEOMAAA Funded allows swing trading on the 2-Step Origin and all other account types. Traders can hold positions overnight and through weekends. EAs (Expert Advisors) and copying your own trades across accounts are also permitted. HFT (high-frequency trading) is not allowed.

What happens if I fail Phase 2 of the NEOMAAA Funded 2-Step Origin?

If a trader fails Phase 2 of the NEOMAAA Funded 2-Step Origin by hitting a drawdown limit, the account is closed. NEOMAAA offers reset pricing at 15% off the regular account price (approximately $412 for the 2-Step Origin). The reset starts the trader back at Phase 1, not Phase 2.