Crypto Fund Trader review 2026

Drawdown breaches are measured on equity. The daily loss limit is based on the account balance at 12:05 AM UTC each day.

• 2-Phase: 5% daily loss and a fixed 10% overall loss from the initial balance.
• 1-Phase: 4% daily loss and a 6% trailing drawdown that follows the highest balance. In the FAQ's example, a $100,000 account starts with a limit of $94,000; once the balance reaches $107,000 the limit is $100,000 and stops trailing.
• Instant: 4% daily loss and 6% total loss.
• Ascend: 5% daily and 10% overall loss limits, as on the 2-Phase evaluation (the Terms say Ascend has the same conditions), plus the Ascend-only news, copy-trading and leverage rules below.
• Break: a trailing loss limit of 4% of the highest balance on $25,000 and $50,000 accounts, and 3% on $100,000 accounts, in both the evaluation and the Final Stage. The Terms say it locks at the initial balance once profit passes 4% (or 3% on $100,000 accounts).

There is no time limit to complete an evaluation. The FAQ says there is no minimum number of trading days for evaluations. The homepage's Break tab, however, shows one minimum trading day for Phase 1. Positions may be held overnight and over the weekend on any account type. There is no fixed maximum lot size; it depends on margin and leverage.

Profit cap. On all phases and funded accounts, simulated profit is capped at $10,000 per day and/or per trade. Above that, open trades may be closed and the excess deducted. Trades opened around the same time as part of one strategy may count as a single trade.

Leverage. The homepage says the firm provides 1:100 leverage on all instruments. The FAQ and Terms are more specific: "Advanced" accounts on Match-Trader and MetaTrader 5 get 1:100, while "Student" accounts get 1:30 on forex and commodities, 1:20 on indices and 1:5 on crypto and stocks. The Terms class $5,000–$25,000 2-Phase and 1-Phase accounts, all Ascend and Instant accounts, and Break accounts as Student accounts, and $50,000–$200,000 2-Phase and $100,000–$200,000 1-Phase accounts as Advanced. The FAQ, by contrast, says all Break accounts have 1:100. Bybit accounts offer up to 1:100 depending on the instrument. Check the leverage for your account before trading.

News trading is allowed on most programmes. Ascend is the exception: no new trades or added risk from 2 minutes before to 2 minutes after high-impact news or market openings.

The FAQ and Terms prohibit, among other things:

• High-frequency trading, tick scalping (manual or automated) and latency arbitrage.
• Expert Advisors such as news scalping EAs, arbitrage EAs and multi-account reverse trading EAs.
• Gambling-style or all-in trading and abusive hedging.
• Holding opposite positions on the same asset for 60 seconds or longer, unless the first trade has been open for at least 24 hours.
• Hedging across two or more accounts controlled by the same user.
• Copying trade ideas or signals from other traders, communities or social media.
• Sharing accounts or running several accounts from the same household, device or IP address.

Copy trading by programme. Break accounts may copy trades only between the trader's own Break accounts, and only in the evaluation phase. Copy trading is not allowed on Break Final Stage accounts. On Ascend accounts, copy trading is prohibited, including between a trader's own accounts.

Bybit accounts. Only USDT crypto futures may be traded; spot, options and USDC pairs are prohibited. Adding funds to the Bybit sub-account is not allowed. Editing, deleting or replacing the connected API key or sub-account invalidates the evaluation. The Terms add that no refund or reactivation is given in that case.

Other terms to note. The Terms let the firm impose, change or remove restrictions such as leverage limits, risk caps, news limits and instrument bans. The firm may require an interview before continuing in the programme or processing a scholarship. The Terms also prohibit public statements on social media "disputing, challenging, disputing, or criticizing in any way the application by the Crypto Fund Trader Account".

Profit split. On the 1-Phase and 2-Phase funded stage, the homepage shows an 80% split. For these two programmes, a "90% Bonus Performance" add-on, costing 20% of the evaluation price, raises eligibility to up to 90%. Instant accounts start at 50% and the split rises by level to 90% at the fifth level (for example $40,000 on an account that started at $2,500).

Add-ons. 2-Phase buyers can also add a 6% daily loss limit (15% of the price), a 12% maximum loss limit (25%) and weekly payout requests (20%). Drawdown add-ons are not available if the cart includes a 1-Phase Evaluation.

When you can request a payout

• 1-Phase and 2-Phase: after at least 15 trading days, or every 30 calendar days; every 7 traded days with the Weekly Payouts add-on.
• 3-Phase: first request after 5 traded days, then on the 15-day or 30-calendar-day schedule.
• Instant: a "Withdrawal & Upgrade" once the account reaches 10% simulated profit, with no minimum days, which doubles the account size up to $1,280,000. A payout can also be requested before 10% after 15 traded days or every 30 calendar days.
• Break: on demand once the Activation Fee is paid, with no minimum days, subject to a consistency rule: no single day may exceed 40% of total profits when a payout is requested.
• Ascend: a fixed scholarship once the Phase 2 target is hit, after which the account closes; the Terms list $210 for $5,000 up to $8,400 for $200,000.

Processing. All trades must be closed before a request, and KYC must be approved first. The firm says its average processing time is about 8 hours, and that review can take up to 48 business hours. Payouts go by bank transfer in EUR or USD, or to a crypto wallet in USDT (ERC20 or TRC20), BTC or ETH.

Limits. The combined starting balance of all of a user's active final-stage accounts may not exceed $300,000; Ascend, Instant and Break accounts are outside this limit and have their own. A user may hold up to three active Instant accounts and up to five Break Final Stage accounts at once.

After a rule breach. On 1-Phase and 2-Phase funded accounts, a trader whose account is suspended may request a review for up to 50% of simulated profits within 7 calendar days, if every trade had a stop loss, no trade risked more than 2% and the trader traded at least 15 days. If every trade had a stop loss and none risked more than 2%, a paid reset of the funded account may be requested within 30 calendar days; the Terms say the team decides reset eligibility at its discretion.

The Terms state that SWISS RLCRATES AG does not guarantee payment of the scholarship and may, in some circumstances, not pay it despite the trader's achievement, in which case the trader is entitled only to a return of the fees paid.

Accounts run on MetaTrader 5, Match-Trader or Bybit. Match-Trader is available on web, desktop, iOS and Android. For Bybit, the trader uses their own personal Bybit account connected by API key.

Instruments. The FAQ says Match-Trader and MetaTrader 5 carry more than 720 instruments across crypto, forex, indices, commodities and stocks, and Bybit more than 550 crypto futures pairs. Other pages give different counts: the homepage says "+900 Instruments", and the Bybit page says "+715 crypto pairs". We used the FAQ figures.

Costs. On Match-Trader and MetaTrader 5, commissions are 0.0325% per side on crypto, $2.5 per lot per side on forex, 0.005% on indices, 0.002% on stocks and 0.0005% on commodities. Swap fees may apply to positions held overnight on these two platforms. On Bybit, traders pay Bybit's own fees and funding rates, and the firm says it adds no markup.

Country access. MetaTrader 5 is not available to US residents. The firm states no country restrictions for Match-Trader, and none of its own for Bybit, though Bybit users must follow Bybit's terms and local rules.

The Terms name SWISS RLCRATES AG, domiciled at Bahnhofstrasse 21, Zug, as the company. The site footer says it "acts as a payment/marketing agent for RLCRATES SL", which provides the MetaTrader 5 service. The footer also states: "SWISS RLCRATES AG is not authorized or licensed in Switzerland and does not offer any trading services with MT5 neither conducts any regulated activities." The homepage says the firm has offices in Zug, Pamplona and Dubai.

The Terms say all trading is simulated and that users receive only demo account credentials. The Terms set a minimum age of 18. Disputes go to the courts of Zug under Swiss law. The FAQ says account credentials arrive within a few minutes; the Terms say within minutes to 48 hours.

Refunds. The Refund Policy allows a withdrawal without reason within 14 days, but the right is lost once a position has been opened on the demo account. It also says refunds are issued at the firm's discretion.