YRM Prop Prime Account Rules 2026

Prime accounts are YRM Prop's funded trading phase where you trade simulated capital and earn real withdrawals every 10 days. After passing the Starter Challenge or purchasing Instant Prime, you transition to a Prime account with no monthly fees, a 90/10 profit split, and access to progressive payout caps that scale up to $25,000 per account. The rules tighten compared to the evaluation phase—trailing drawdown replaces static, consistency requirements become stricter, and you need 10 profitable days before your first withdrawal—but the path to consistent income is clear.

After trading Prime accounts at YRM Prop for several months and successfully scaling to multiple funded accounts, I can tell you the Prime phase is where the real work begins. The evaluation lulls you into comfort with forgiving rules; Prime demands discipline. Your drawdown trails your profits, no single day can exceed 35-40% of your total gains, and every profitable session must net at least $150 to count toward your 10-day minimum. This isn't accidental—YRM Prop is filtering for traders who can perform under funded conditions, not just evaluation scenarios.

Here's what matters: Prime accounts are where you prove you belong. Pass once, maintain consistency, respect the trailing drawdown, and you unlock payouts every 10 trading days with caps that increase progressively. Hit your 6th payout and you can withdraw up to $25,000 per account per cycle. Run three Prime accounts simultaneously and you're looking at $67,500 net every 10 days at scale. But get sloppy with your risk management and you'll breach just as fast as you would in evaluation—except now you're losing actual earning potential, not just a $37 monthly fee.

What Are Prime Accounts?

Prime accounts are YRM Prop's simulated funded accounts where traders execute their strategy with firm capital and withdraw profits on a regular schedule. You reach Prime status through one of two pathways:

Path 1: Pass the Starter Challenge

• Complete the one-step evaluation
• Hit your 6% profit target
• Respect static drawdown and 50% consistency
• Automatic upgrade to Prime (no activation fee)

Path 2: Purchase Instant Prime

• Pay one-time fee ($399-$899)
• Skip evaluation entirely
• Start trading Prime immediately
• Same rules apply once funded

Prime vs. Challenge: Key Differences

What changes after you get funded:

The trade-off: You eliminate profit targets and monthly fees, but you accept stricter risk management. The rules are designed to separate traders who can maintain consistency under funded conditions from those who got lucky during evaluation.

Why Rules Tighten After Funding

YRM Prop's logic is straightforward: during evaluation, you're proving you can trade. After funding, you're proving you should trade with firm capital long-term. Trailing drawdown prevents you from giving back profits carelessly. Tighter consistency ensures you're not relying on occasional lucky days. The 10-day minimum with $150 per session filters out traders taking tiny profits just to game the system.

My experience: The jump from Challenge to Prime felt significant. I passed my $50K Challenge in 16 days, got comfortable, then breached my first Prime account in week three because I underestimated how quickly trailing drawdown tightens your operational room. Static drawdown during evaluation let me be aggressive; trailing drawdown on Prime forced me to lock in profits more conservatively and reduce position sizing after big days.

Prime Account Trading Rules

Here's what governs your funded trading at YRM Prop.

Trailing End-of-Day Drawdown

Prime accounts use trailing EOD drawdown — your maximum loss threshold follows your highest end-of-day balance:

How it works:

• Your drawdown trails your highest EOD closing balance
• Intraday highs don't lock in new thresholds (only EOD close matters)
• Each new EOD high creates a new minimum balance requirement
• You can never fall below (highest EOD balance - drawdown amount)

Example on $50K Prime account (Challenge-earned):

• Starting balance: $50,000
• Max drawdown: $2,000 (4%)
• Initial breach threshold: $48,000

Week 1:

• Monday close: $51,200 (new EOD high)
• New breach threshold: $51,200 - $2,000 = $49,200
• Tuesday close: $50,800 (no new high, threshold stays $49,200)
• Wednesday close: $52,500 (new EOD high)
• New breach threshold: $52,500 - $2,000 = $50,500

Key insight: Once you close at $52,500, you can never fall below $50,500 without breaching—even though you started at $50,000. Your profitable sessions lock in higher minimums progressively.

Comparison to Challenge: During Starter Challenge evaluation, your breach threshold stays at $48,000 regardless of profits. On Prime, every EOD profit tightens your room to maneuver.

Strategic implications:

• Take profits more aggressively after big days
• Reduce position size when approaching new EOD highs
• Never hold risky positions into close that could breach next day's minimum
• Consider partial profit-taking throughout sessions rather than letting winners run into close

For detailed drawdown mechanics, see EOD drawdown calculation guide.

Consistency Rule: 35-40%

Prime accounts enforce 35-40% consistency depending on your account pathway:

Consistency requirements:

• Challenge-earned Prime: 35-40% (no single day exceeds 35-40% of total profits)
• Instant Prime: 20% (more lenient)

How it's calculated:

• Total all profitable sessions since funding (or since last payout)
• Identify your largest single profitable day
• Divide largest day by total profits
• Result must be under the percentage threshold

Example scenario (Challenge-earned Prime, 35% rule):

• Total profit: $2,800 over 12 trading days
• Best day: +$900
• Consistency check: $900 / $2,800 = 32.1% ✓
• Result: Passes consistency requirement

Violation example:

• Total profit: $1,800 over 6 trading days
• Best day: +$800
• Consistency check: $800 / $1,800 = 44.4% ✗
• Result: Fails consistency, payout denied

Why this matters: Consistency rules prevent traders from hitting one massive day early, then coasting with minimal activity. YRM Prop wants evidence of repeatable edge, not luck.

How to manage it:

• Don't stop trading after one big winner—continue adding profitable days
• If you hit an unusually large day, immediately plan to dilute it with smaller wins
• Track your consistency percentage daily using (largest day / running total)
• Aim to keep best day under 30% of total to build buffer

10 Profitable Trading Days Minimum

Before your first payout, you must accumulate 10 profitable trading days:

Requirements per day:

• Must net at least $150 profit after commissions
• All positions closed by end of day
• No trading violations

Why $150 threshold: This prevents traders from making $20-$50 profits across 10 days just to qualify. YRM Prop wants meaningful trading activity.

Example progression:

• Day 1: +$180 ✓ (counts, over $150)
• Day 2: +$420 ✓
• Day 3: +$130 ✗ (doesn't count, under $150)
• Day 4: -$200 ✗ (losing day, doesn't count)
• Day 5: +$310 ✓
• Progress: 3 profitable days toward 10-day minimum

Timeline estimate:

• Trading 5 days per week: 2-3 weeks to hit 10 days
• Trading 3 days per week: 3-5 weeks
• Must maintain consistency requirements throughout

After first payout: The 10-day requirement resets. Each subsequent payout cycle requires another 10 profitable days (each exceeding $150) before you can withdraw again.

Daily Loss Limits (Soft Breach)

Prime accounts $50K and above have soft daily loss limits:

What "soft breach" means:

• Platform locks you out for remainder of trading day
• Account is NOT terminated
• You can resume trading next day
• Repeated violations may trigger review but aren't automatic terminations

Example: You're trading a $100K Prime account. You take three consecutive losing trades totaling -$3,200. You hit your daily loss limit. The platform prevents new positions for the day. Tomorrow you can trade normally.

Strategic consideration: Soft daily limits protect you from revenge trading. If you're down $2,500 on a $100K account, recognize you're $500 from a halt and consider stopping voluntarily.

Position Sizing Limits

Prime accounts maintain the same position limits as their originating account type:

Key point: Challenge-earned Prime accounts maintain significantly higher position limits than Instant Prime accounts. This is one reason many traders prefer passing the Starter Challenge over buying instant funding—you get 2.5× more contracts.

Payout Balance Requirement

After each withdrawal, your account must maintain minimum balance:

Formula: Account starting value + $100 buffer

Examples:

• $50K account → Must maintain $50,100 minimum after payout
• $100K account → Must maintain $100,100 minimum after payout
• $150K account → Must maintain $150,100 minimum after payout

Why this matters: You can't withdraw every dollar of profit. YRM Prop requires you maintain enough balance to continue trading without immediately breaching your trailing drawdown.

Strategic implication: If your $50K Prime account grows to $53,500 and you want to withdraw, you can request up to $3,400 (keeping you at $50,100). Don't request the full $3,500 or you'll fall below the minimum and your request will be denied.

Progressive Payout Caps

YRM Prop uses progressive payout caps that increase with each successful withdrawal. This rewards consistent performance while managing firm risk.

Payout Cap Progression by Account Size

$50K Account:

• 1st payout: Up to $1,500
• 2nd payout: Up to $2,000
• 3rd payout: Up to $2,500
• 4th payout: Up to $4,000
• 5th payout: Up to $4,000
• 6th+ payout: Up to $25,000 per cycle

$100K Account:

• 1st payout: Up to $2,000
• 2nd payout: Up to $2,500
• 3rd payout: Up to $3,000
• 4th payout: Up to $5,000
• 5th payout: Up to $5,000
• 6th+ payout: Up to $25,000 per cycle

$150K Account:

• 1st payout: Up to $2,500
• 2nd payout: Up to $3,000
• 3rd payout: Up to $3,500
• 4th payout: Up to $6,000
• 5th payout: Up to $6,000
• 6th+ payout: Up to $25,000 per cycle

How Caps Work in Practice

Example: $100K Prime account progression

Payout 1 (after 10 profitable days):

• Account balance: $106,800
• Cap: $1,500
• You request: $1,500
• You receive: $1,350 (90% of $1,500)
• New balance: $105,300

Payout 2 (after 10 more profitable days):

• Account balance: $108,200
• Cap: $2,000
• You request: $2,000
• You receive: $1,800 (90% of $2,000)
• New balance: $106,200

Payout 6 (after reaching $25K cap):

• Account balance: $128,500
• Cap: $25,000
• Available profit: $28,400 ($128,500 - $100,100 minimum)
• You request: $25,000 (hitting cap)
• You receive: $22,500 (90% of $25,000)
• New balance: $103,500

Key insight: Once you hit the 6th payout level, you can withdraw up to $25,000 every 10 trading days per account (assuming you generate enough profit). With three $100K Prime accounts at this level, you could withdraw $75,000 gross ($67,500 net) every 10 days.

Multi-Account Scaling Strategy

YRM Prop allows up to 3 Prime accounts simultaneously with combined capital of $450,000:

Optimal scaling approach:

1. Pass first $50K Challenge → First Prime account
2. While trading Prime account, purchase second $50K Challenge
3. Pass second Challenge → Second Prime account
4. Use copy trading between own accounts to execute same setups
5. Once both at $25K payout caps, add third account
6. Three accounts × $25K cap = $75,000 gross potential every 10 days

Net income at scale:

• Gross: $75,000 every 10 trading days
• Net (90%): $67,500
• Monthly potential: ~$200K+ if hitting caps consistently

Reality check: Very few traders max out three accounts at $25K per cycle. But even conservative $4K-$6K per account translates to $36K-$54K monthly—exceptional income from prop funding.

Live Account Transition

Successful Prime traders can transition to Live Accounts with real capital:

What triggers Live Account consideration:

• Consistent profitability over extended period (months)
• Strong risk management metrics
• Multiple successful payouts
• Low violation history
• YRM Prop management discretion

Live Account benefits:

• Access to actual live capital
• Uncapped withdrawal limits (no progressive caps)
• Consistency rules removed or relaxed
• Enhanced position sizing potential
• Limited to 1 Live Account per trader

How transitions happen:

• YRM Prop reviews Prime performance regularly
• Management reaches out to qualified traders
• Invitation extended (traders must accept)
• Cannot remain on Prime if offered Live
• Optional path (can decline Live, stay on Prime)

My observation: I haven't personally reached Live status yet (7 months on Prime), but community feedback suggests YRM Prop is selective. They're looking for traders who demonstrate institutional-level discipline—tight risk management, consistent monthly profits, minimal rule violations. It's not just about hitting profit targets; it's about trading like you're managing someone else's capital (because you are).

Real-World Prime Account Scenarios

Let's walk through practical examples of Prime trading.

Scenario 1: Successful Scaling (50K Challenge-Earned Prime)

Setup:

• Passed $50K Challenge ($37 cost)
• Transitioned to Prime with $53,100 balance
• Trailing drawdown: $2,000
• Initial breach threshold: $51,100

First 10 profitable days:

• Days 1-10 profit: +$2,800 total
• Best day: +$580
• Consistency: $580 / $2,800 = 20.7% ✓ (under 35%)
• Account balance: $55,900

First payout request:

• Cap: $1,500
• Requested: $1,500
• Received: $1,350 (90%)
• New balance: $54,400
• New minimum: $50,100
• New breach threshold: $54,400 - $2,000 = $52,400

Second 10 profitable days:

• Days 11-20 profit: +$3,200 total
• Best day: +$820
• Consistency: $820 / $3,200 = 25.6% ✓
• Account balance: $57,600

Second payout request:

• Cap: $2,000
• Requested: $2,000
• Received: $1,800
• New balance: $55,600
• ROI on original $37 Challenge: $3,150 net ($1,350 + $1,800) = 8,413% return

Lesson: Disciplined Prime trading generates exceptional ROI on the initial Challenge investment within weeks.

Scenario 2: Breach from Trailing Drawdown

Setup:

• $100K Challenge-earned Prime
• Balance grew to $112,500 over 3 weeks
• Trailing breach threshold: $110,500 ($112,500 - $2,000)

Week 4 trading:

• Monday: Strong session, close at $113,800
• New breach threshold: $111,800
• Tuesday: Choppy market, -$1,200 loss
• Balance: $112,600 (still safe)
• Wednesday: Attempted recovery, -$900
• Balance: $111,700 (still safe, $100 buffer)
• Thursday: Emotional trading, -$300 morning
• Balance: $111,400 intraday
• Panic exit: -$700 more trying to salvage
• Final balance: $110,700

Breach:

• Threshold: $111,800
• Final balance: $110,700
• Breach amount: -$1,100
• Result: Account terminated

Financial loss:

• Made $12,500 profit (never withdrew)
• Lost entire earning potential
• Must start new Challenge to regain funding

Lessons:

1. Trailing drawdown is unforgiving after big profit days
2. Don't trade emotionally when close to breach threshold
3. Consider withdrawing after significant profit runs to lock in gains
4. Better to take a day off than breach chasing recovery

Scenario 3: Three-Account Income Machine

Setup:

• Three $50K Challenge-earned Prime accounts
• All at 6th payout level ($25K caps)
• Trading identical setups via manual copy trading

Month 4 performance:

• Account A: Generated $28,000 profit (withdrew $25K cap)
• Account B: Generated $26,500 profit (withdrew $25K cap)
• Account C: Generated $24,800 profit (withdrew $24,800 available)
• Combined gross withdrawals: $74,800
• Net received (90%): $67,320
• Total Challenge investment: $111 (3 accounts × $37)
• Monthly ROI: 60,558%

Reality: This represents peak performance. Most months will be $15K-$40K net across three accounts, not $67K. But the potential exists for exceptional earners.

Prime Account FAQ

How do I get a Prime account?

You get a Prime account by either passing the Starter Challenge (hit 6% profit target with static drawdown) or purchasing Instant Prime (immediate funding for $399-$899). Both pathways lead to Prime status with access to 10-day payouts.

What are the consistency rules for Prime accounts?

Challenge-earned Prime accounts require 35-40% consistency (no single day exceeds 35-40% of total profits). Instant Prime accounts have a more lenient 20% consistency rule.

How does trailing drawdown work on Prime accounts?

Your maximum drawdown trails your highest end-of-day closing balance. Each new EOD high locks in a higher minimum balance requirement. You can never fall below (highest EOD close - drawdown amount) without breaching.

How many profitable days do I need before my first payout?

You must complete 10 profitable trading days where each day nets at least $150 profit after commissions. This resets after each payout—you need another 10 profitable days before the next withdrawal.

Why is there a $150 minimum per profitable day?

The $150 threshold prevents traders from making tiny $20-$50 profits just to qualify for payouts. YRM Prop wants evidence of meaningful trading activity, not gaming the system.

Are there monthly fees on Prime accounts?

No, Prime accounts have zero monthly fees. You only paid fees during the Challenge phase ($37-$349/month). Once funded, there are no recurring costs.

What are the payout caps?

Payout caps start at $1,500-$2,500 (depending on account size) and increase progressively with each successful withdrawal. After your 6th payout, caps increase to $25,000 per account per payout cycle.

How many Prime accounts can I have?

You can have up to 3 Prime accounts simultaneously with maximum combined capital of $450,000. You can run unlimited Challenge accounts but only 3 funded Prime accounts at once.

Can I copy trades between my Prime accounts?

Yes, you can manually copy trades between your own YRM Prop accounts. Cross-trader copying or copying between different prop firms is prohibited.

What happens if I breach a Prime account?

If you violate trading rules or exceed your trailing drawdown, your Prime account is terminated and you lose access to that funded capital. You can purchase a new Challenge to regain funding.

How do I transition to a Live Account?

YRM Prop management reviews Prime account performance and may extend Live Account invitations to traders demonstrating consistent profitability and strong risk management. This is discretionary—not all traders qualify.

Do position limits change on Prime accounts?

No, Prime accounts maintain the same position limits as their originating account type. Challenge-earned accounts keep their 5-15 mini limits; Instant Prime keeps their 1-7 mini limits.

‍