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Quick heads-up: This article is based on my real experience with Fundingpips and the info available when I published/updated this. Things change in prop trading — rules, payouts, promos, all of it.

For the absolute latest, check Fundingpips website or their help center.

What Happens After You Pass a FundingPips Challenge? (2026)

Meta Description: Passed your FundingPips challenge? Here's exactly what happens next: KYC, Master account activation, rule changes, payout setup, and your first funded trade.

You hit the profit target. The dashboard says "Passed." And for about 30 seconds, it feels amazing.

Then reality sets in: now what? What actually happens between seeing "Passed" and placing your first funded trade? And more importantly—what changes? Because FundingPips doesn't just hand you a bigger version of your evaluation account. The funded (Master) account has different rules, different restrictions, and a different psychology that catches a lot of traders off guard.

I've passed multiple FundingPips evaluations. The first time, I assumed the funded account would feel just like the evaluation with real payouts attached. It doesn't. The transition from evaluation to funded trading is one of the most underestimated stages in the entire prop trading journey.

Quick heads-up: This article is based on my real experience with FundingPips and the info available when I published/updated this. Processes change. For the absolute latest, check FundingPips' website or their support team.

Here's everything that happens after you pass—and everything that changes.

The Moment You Pass: What You See

When you hit the profit target on your last required trading day, your FundingPips dashboard updates to reflect your passed status. You won't see this mid-trade—the status typically updates after the trading day closes and your results are confirmed.

For the 2-Step model, this happens twice:

After passing Phase 1 (Student): Your dashboard shows Phase 1 complete. You're automatically moved to Phase 2 (Practitioner). New credentials are generated, usually within 24 hours. Your Phase 2 account starts at the original balance—your Phase 1 profits don't carry over.

After passing Phase 2 (Practitioner): Dashboard shows both phases complete. The KYC verification process is triggered, and you're on the path to your Master account.

For the 1-Step model, you pass once and go directly to KYC.

For Zero (Instant), there's no evaluation to pass—but KYC may be triggered before your first payout.

The Administrative Steps (1-5 Days)

Step 1: KYC Verification

FundingPips requires identity verification before activating your funded account. You'll need to submit:

• Proof of Identity: Passport, national ID card, or driver's license (valid, clear photo)
• Proof of Address: Bank statement or utility bill (less than 3 months old)

Submit these immediately after passing—don't wait. Every hour of delay extends your time without a funded account. If you prepared documents in advance (which you should have), this step takes 5 minutes.

Processing time: 24-72 hours. Clean documents submitted on weekdays process fastest. See my complete KYC verification guide for detailed tips.

Step 2: Funded Account Agreement

You may need to digitally sign a funded trading agreement. This outlines the funded-stage rules, profit split terms, and payout procedures. Read it. I know it's tempting to just click "accept" and move on, but this is where the rule changes are documented.

Step 3: Payout Frequency Selection

You'll choose how often you want to withdraw profits:

• Tuesday Payday (60% split): Weekly payouts, no consistency rule
• Bi-Weekly (80% split): Every 2 weeks, no consistency rule
• On-Demand (90% split): Anytime, but 35% consistency rule applies
• Monthly (100% split): Every 30 days, maximum profit share

My recommendation: Bi-Weekly at 80% for new funded traders. Best balance of payout frequency and profit share without the consistency rule complication. Once you're comfortable, consider upgrading to On-Demand (90%) if you can manage the consistency requirement.

Step 4: Master Account Credential Delivery

After KYC approval, FundingPips generates your Master trading account. You'll receive new login credentials (different from your evaluation credentials) via email and dashboard. This typically arrives same-day or within 24 hours of KYC approval.

What Changes on the Funded Account

This is the critical section. The funded account looks similar to the evaluation—same platform, same balance, same instruments. But the rules are different. Here's what changes:

1. News Trading Gets Restricted

During evaluation: Trade whenever you want. CPI, NFP, FOMC—no restrictions.

On Master account: Profits from trades opened or closed within 5 minutes before or after high-impact news events won't count toward your payout. On Zero accounts, this window is 10 minutes.

The exception: trades opened at least 5 hours before a news event can be closed during the restricted window.

What this means for you: Check the economic calendar every morning. If NFP is at 8:30 AM ET, don't open positions between 8:25-8:35 AM. If you already have an open trade from 3:30 AM, you can close it anytime—that trade was opened more than 5 hours before the event.

I set calendar alerts on my phone for every high-impact event: 15 minutes before = "no new trades." This simple habit prevents accidental profit stripping.

2. Consistency Rules May Apply

Depending on your payout option:

• Tuesday Payday / Bi-Weekly / Monthly: No consistency rule (in most cases—verify current terms)
• On-Demand (90% split): 35% consistency rule. No single day can produce more than 35% of your total payout cycle profits.
• Zero accounts: 15% consistency rule (permanent).

If you chose Bi-Weekly, this doesn't affect you. If you chose On-Demand, plan your daily P&L targets to stay under 30% of your expected cycle total.

3. The 3% Single-Trade Cap

On Master accounts, no single trade can produce more than 3% of your account balance in profit. On a $50K account, that's a $1,500 cap per trade.

Normal day trading rarely triggers this. But swing traders holding multi-day positions on volatile instruments should monitor per-trade profit and consider closing before hitting the cap.

4. Lot Size Limits Activate

During evaluation, lot size limits may be more relaxed. On Master accounts, strict limits apply:

• $5K-$10K: No limit
• $25K: Max 10 lots total open
• $50K: Max 20 lots total open
• $100K: Max 40 lots total open

First violation: warning. Second violation: profit cut to 30% and account closed. Track your total open position size.

5. The 1% Floating Loss Limit (Select Accounts)

On certain accounts (particularly Zero and some funded-stage configurations), a 1% floating loss limit applies. If your open positions show unrealized losses exceeding 1% of account size ($500 on a $50K account), the account faces immediate closure.

This is dramatically tighter than the max drawdown limit and catches traders by surprise. Confirm whether this applies to your specific account type.

6. IP Address Monitoring

FundingPips monitors your login IP address region for consistency. If you normally log in from Germany and suddenly connect from Thailand, expect a verification request. This doesn't prevent travel—just notify support in advance and have documentation ready.

7. The 30-Day Inactivity Rule

Go 30 days without placing a trade, and your funded account may be closed. Set a reminder to trade at least once per month if you plan extended breaks.

The Psychological Shift: Why Funded Trading Feels Different

Passing the evaluation gives you a funded account. It doesn't automatically give you funded-trader mindset. Here's what I noticed when transitioning:

The Money Feels Real Now

During evaluation, losses are "just" progress toward a pass or fail. On the funded account, every dollar of loss is a dollar less in your next payout. This awareness makes losing trades feel heavier and can trigger conservative paralysis—where you avoid taking valid setups because you're scared of losing "real" money.

My fix: treat the funded account exactly like the evaluation for the first week. Same setups, same sizing (or slightly smaller), same daily routine. Don't let the psychological weight of "funded" change your execution.

The Temptation to Oversize

You passed. You're good at this. Time to go bigger, right?

Wrong. The funded stage has tighter restrictions (news rules, consistency, lot limits). If anything, you should trade slightly smaller, not larger. I reduce my position size by 20-30% when transitioning from evaluation to funded. After 2-3 weeks of consistent funded performance, I gradually return to normal sizing.

The Urgency to Withdraw

After working toward a funded account for weeks, the desire to pull money out immediately is strong. But rushing for a quick small payout often leads to forced trades and unnecessary risk.

My approach: focus on building a healthy first payout cycle. Trade normally for 2 weeks (if bi-weekly), hit your daily targets, and let the payout come naturally. Forcing $500 in 3 days is harder than earning $1,500 in 14 days of patient trading.

Your First Week Funded: Day by Day

Day 1: Soft Start

Trade at 50-70% of your evaluation position size. Take 1-2 setups maximum. Confirm execution quality matches the evaluation. Check your dashboard at end of day to verify drawdown tracking.

Target: $200-$300 on a $50K account. Just get a green day and verify everything works.

Day 2-3: Gradual Ramp

Return to normal strategy execution. Still selective—don't overtrade because you feel behind. Two to three quality setups per session.

Target: $300-$500/day.

Day 4-5: Full Speed

Normal execution, normal position sizing, normal targets. The "newness" of the funded account has worn off. You're just trading your strategy now.

Target: $400-$600/day.

End of Week 1: Assessment

Review your first funded week:

• Total P&L and daily consistency
• Any rule compliance issues (news trading, lot limits)?
• Execution quality compared to evaluation
• Emotional state—are you trading differently than during evaluation?

If week 1 was green and you stayed within all rules, you're on track. If you had issues, diagnose them now before they compound into week 2.

The Path to Your First Payout

The payout timeline depends on your chosen frequency:

Tuesday Payday (60%): First payout possible as early as the first Tuesday after activation—though you need minimum 1% of account balance in profits.

Bi-Weekly (80%): First payout available 14 days after your first trade. If you activated on a Monday, your first payout request window opens two Mondays later (submitted on Tuesday).

Monthly (100%): 30 calendar days after your first trade.

All payouts are processed on Tuesdays, with funds arriving in 1-3 business days. Minimum withdrawal: 1% of initial balance (including FundingPips' share). A $10 processing fee applies.

After your 4th successful payout (on 1-Step and 2-Step Standard accounts), FundingPips refunds your original evaluation fee. This is your milestone—once refunded, your total cost of getting funded is effectively zero.

The Scaling Path: What Comes Next

Consistent performance on your Master account unlocks the scaling program:

Launchpad (Level 1): 20% capital boost + 1% higher max drawdown.

Ascender (Level 2): 30% boost + 2% higher total drawdown + 1% higher daily.

Trailblazer (Level 3): 40% boost + 13% max drawdown.

Hot Seat (Level 4): Double your balance, 100% profit split, on-demand payouts, access to $2 million.

The path from new funded trader to Hot Seat takes months of consistent profitability—but it's the endgame that makes the entire process worthwhile. A $50K account at Hot Seat level becomes $100K with 100% profit split. At $500/day, that's $10,000/month in your pocket.

Frequently Asked Questions

Do my evaluation profits transfer to the funded account?

No. Your Master account starts at the original evaluation balance ($50K, $100K, etc.) regardless of how much you profited during evaluation.

Can I choose a different payout frequency later?

This depends on FundingPips' current policy. Some traders report being able to change payout frequency through support. Check with FundingPips directly.

What happens if I breach the funded account?

The account is closed. You'd need to purchase and pass a new evaluation to get another funded account. Any unpaid profits may be forfeited depending on the breach type.

Is the funded account real money or simulated?

All FundingPips trading is simulated (demo environment). However, profits generated on the Master account are paid out as real money. The performance is tracked on simulated accounts, but the payouts are real.

How many funded accounts can I have simultaneously?

Multiple accounts are allowed, up to $300K in total combined capital. Each account operates independently with its own rules and scaling progression.

Should I trade the same strategy on funded as evaluation?

Same entry setups, but adjust your risk management: slightly smaller position sizes, faster profit-taking, news calendar awareness, and awareness of consistency rules. The strategy's core stays identical—the risk parameters tighten.

What if I don't trade for a few weeks after getting funded?

Trade at least once within 30 days to avoid the inactivity closure rule. If you need a break, set a calendar reminder and place a small trade before the 30-day window expires.

Can I merge multiple funded accounts?

FundingPips offers account merging for some programs. Check their current policy—this feature availability has changed over time.

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