Moneta Funded

Moneta Funded is a proprietary-trading evaluation provider launched in 2025 and operated by Moneta Funded Ltd., a company registered in Saint Lucia under registration number 2025-00532. Its registered office is Ground Floor, The Sotheby Building, Rodney Village, Rodney Bay, Gros-Islet, Saint Lucia.

All Moneta Funded programs operate through simulated accounts using virtual funds. Participants do not execute trades in real financial markets, and purchasing a program does not constitute a deposit or investment. Traders who satisfy the applicable conditions may become eligible for performance-based payouts.

The current product range includes the 1-Step Challenge, 2-Step Challenge, Instant Funding, Instant Funding Pro, Phoenix Scaling Program, and Sprint Challenge. Standard account sizes range from $5,000 to $100,000, while Phoenix can begin at $2,500 and scale through eleven levels to $2 million.

Profit splits depend on the program. The 1-Step, 2-Step, Instant Pro, and Phoenix programs provide an 88% split. Standard Instant Funding offers a choice between 60% and 88%, while Sprint pays 100% of the configured challenge payoff after successful completion.

Moneta Funded uses infrastructure associated with Moneta Markets and offers an optional transfer of eligible payouts to a Moneta Markets trading account. Moneta Funded itself is not a broker and does not provide brokerage or regulated financial services.

Moneta Funded is operated by Moneta Funded Ltd., registered in Saint Lucia under company number 2025-00532. The company’s registered office is Ground Floor, The Sotheby Building, Rodney Village, Rodney Bay, Gros-Islet, Saint Lucia.

Regulatory Status

Moneta Funded is a proprietary-trading evaluation provider rather than a regulated broker, investment firm, exchange, or custodian. Program fees are subscriptions for access to simulated evaluations and are not client deposits or investments.

Simulated Trading

All evaluation and funded accounts use virtual funds. Orders do not enter real financial markets, and the displayed profits and losses have no monetary value unless a funded trader qualifies for a payout under the applicable agreement.

The simulated environment may reproduce changing liquidity, bid/ask spreads, slippage, latency, partial fills, and other execution characteristics. Execution may therefore differ from the price displayed when an order is submitted.

Relationship with Moneta Markets

Moneta Funded describes itself as backed by Moneta Markets, but the two services should not be presented as the same regulated entity. Moneta Funded operates the simulated programs, while Moneta Markets Ltd. provides separate live brokerage accounts and is governed by its own client agreement.

Eligible payouts can be transferred to a Moneta Markets account. Optional credit bonuses attached to that transfer are tradable but non-withdrawable; profits subsequently generated in the brokerage account may be withdrawn under Moneta Markets’ conditions.

Risk and Compliance Controls

Moneta Funded monitors drawdowns, profit concentration, excessive exposure, account associations, prohibited automation, trade copying, simulated-execution exploitation, and other potentially abusive conduct.

A payout may be delayed, reduced, rejected, or cancelled when the company identifies a rule violation or requires an additional trading, risk, identity, or compliance review.

Eligibility

Users must be at least 18 and complete the required identity and anti-money-laundering checks. Moneta Funded does not onboard residents of Iran, Afghanistan, Thailand, Cuba, Myanmar, North Korea, the UAE, Venezuela, Vietnam, or jurisdictions covered by applicable FATF, OFAC, EU, or UN sanctions restrictions.

Moneta Funded applies different targets, drawdowns, payout conditions, and news-trading permissions to each program. The rules displayed in the trader dashboard for the purchased configuration take precedence.

Drawdowns

The daily loss threshold is calculated at the 10:00 PM UTC rollover using the higher of balance or equity, less the fixed daily-loss amount calculated from the account’s initial size. Open losses, closed losses, commissions, and swaps are included.

The maximum loss is static on 1-Step, 2-Step, and Phoenix accounts. It trails on Instant Funding and Instant Funding Pro accounts.

Minimum Profitable Days

The 1-Step, 2-Step, and Phoenix programs require three profitable days. Each qualifying day must produce at least 0.5% of the account’s initial balance.

Standard Instant Funding and Instant Pro do not have a minimum-profitable-day requirement. Standard Instant Funding instead applies a 15% or 20% consistency rule.

News Trading

News trading is prohibited on the 1-Step, 2-Step, standard Instant Funding, Phoenix, and Sprint programs. Instant Funding Pro expressly allows news trading.

Sprint additionally prohibits trading during the five minutes before and after scheduled high-impact news, around the London, New York, and Asian market opens and closes, and around the 10:00 PM UTC CFD rollover.

Holding Positions

Overnight and weekend holding is allowed on the standard 1-Step, 2-Step, Instant Funding, Instant Pro, and Phoenix programs. Sprint accounts remain subject to their selected one-, two-, four-, or eight-hour duration and special market-period restrictions.

Copy Trading

Copy trading is permitted only when the master and copied accounts are both Moneta Funded accounts owned by the same person. A personal brokerage account, another prop firm, a signal provider, or another external service cannot be used as the master account.

Automated Trading

Trading-assistance tools and EAs may be used, but automated software, EAs, or API integrations must be developed by the trader. Third-party systems that place or copy trades are prohibited.

Prohibited Strategies

Moneta Funded prohibits martingale, reverse trading, grid trading, HFT, hyperactivity and excessive order spamming, latency arbitrage, cross-account hedging, account sharing, coordinated trading between different users, third-party trade copying, gap exploitation, bracketing around news, abnormal-spread exploitation, excessive one-sided exposure, and strategies designed to exploit the simulated execution environment.

Risk Controls

Moneta Funded may impose temporary risk limits when funded-account activity shows disproportionate or inconsistent exposure. A breach or prohibited strategy can result in account termination and rejection or cancellation of payouts.

Inactivity

Any account with no trade for 30 consecutive calendar days is automatically breached.

Moneta Funded provides simulated CFD trading across forex, metals, indices, energy products, and cryptocurrencies.

Available markets include major and minor currency pairs, gold and silver, global stock indices, oil and other energy products, and selected cryptocurrency pairs. Instrument availability may differ between MetaTrader 5 and Match-Trader.

The current leverage limits are:

Moneta Funded does not provide direct ownership of currencies, shares, cryptocurrencies, commodities, or other financial instruments. All transactions take place in a simulated environment.

Moneta Funded supports MetaTrader 5 and Match-Trader for its simulated challenge and funded-account programs. Platform availability depends on the trader’s jurisdiction.

MetaTrader 5 is available only to non-U.S. and non-Canadian traders. Match-Trader is available to traders in the United States and Canada as well as other supported jurisdictions.

Orders on both platforms are subject to simulated bid/ask pricing, liquidity, slippage, latency, and execution conditions.

MetaTrader 5

MetaTrader 5 provides desktop, web, and mobile access, advanced charting, multiple order types, depth-of-market tools, strategy testing, custom indicators, scripts, and Expert Advisor support.

MT5 is unavailable to traders in the United States and Canada. Any automated system used on an eligible account must comply with Moneta Funded’s ownership and prohibited-strategy rules.

Match-Trader

Match-Trader is a browser-based Progressive Web App with synchronized access across devices, TradingView-powered charts, order management, and integrated account information.

Match-Trader is available to eligible U.S., Canadian, and non-U.S. traders. Its execution may differ from MT5 because each environment uses its own simulated pricing, liquidity, and slippage conditions.

Moneta Funded provides a trader dashboard, platform access, performance and drawdown monitoring, an economic calendar, market-analysis tools, multilingual support, competitions, educational resources, and the Phoenix scaling program.

Phoenix Scaling

Phoenix traders can begin at $2,500, $5,000, $10,000, or $20,000. Reaching the 10% target automatically advances the account to the next level. The available levels continue through $40,000, $80,000, $160,000, $320,000, $640,000, $1.28 million, and $2 million.

Payout to Moneta Markets

Eligible traders may direct a payout to a separate Moneta Markets live account. Depending on the selected promotion, Moneta Markets may add a 20% or 100% credit bonus.

The bonus itself is non-withdrawable and non-transferable and serves as additional trading margin. The cash portion and profits generated while using the credit are governed by the separate Moneta Markets Client Agreement.

X-Tools

The dashboard provides access to market-research and analysis features such as an economic calendar, market sentiment information, technical trading ideas, and asset-monitoring tools.

Capital Limits

A trader may hold up to $100,000 in active funded accounts within each non-Phoenix program. Instant Funding and Instant Funding Pro are treated as separate programs. Together with Phoenix, the firm advertises a theoretical total allocation of up to $2.4 million.

Sprint is excluded from these funded-account allocation limits and allows only one active tradeable Sprint account per user.

Moneta Funded uses one-time program fees rather than recurring monthly subscriptions. Prices depend on the program, account size, consistency option, profit-split selection, drawdown configuration, Sprint timeframe, multiplier, and any active promotion.

The advertised checkout price may change when the trader selects:

• A 60% or 88% Instant Funding profit split
• A 15% or 20% Instant Funding consistency rule
• A 4%/8% or 5%/10% Two-Step drawdown structure
• A Sprint timeframe and 2x or 5x multiplier
• MetaTrader 5 or Match-Trader
• An eligible promotional code

Trading Commissions

Forex and metals are charged at $4 per lot round trip. Indices, energy products, and cryptocurrencies do not carry a separate trading commission under the published schedule.

Spreads, swaps, slippage, and execution conditions depend on the platform, instrument, market conditions, and simulated liquidity. The article should remove unsupported universal claims about average EUR/USD spreads, STP accounts, or a $3-per-side commission.

Refund Policy

The August 2026 Terms define the program fee as non-refundable. The review should not promise a general 14-day refund or automatic challenge-fee reimbursement unless Moneta Funded publishes a separate promotion that expressly applies to the purchased account.

Payout conditions depend on the selected Moneta Funded program.

Profit Splits

The 1-Step, 2-Step, Instant Pro, and Phoenix programs provide an 88% profit split. Standard Instant Funding is available with either a 60% or 88% split. Sprint provides a 100% split of the configured payoff after successful completion.

Payout Schedule

Standard funded accounts generally allow a payout after 14 calendar days from the exact time of the first trade and then once every 14 calendar days.

Instant Funding Pro allows its first payout on demand after at least $100 in eligible profit has been reached. Later requests follow the standard 14-day interval.

Phoenix payouts require a minimum 14-day period and three profitable days of at least 0.5% each.

Sprint permits an immediate request after the target is reached within the selected time limit. An approved payout is generally processed within 48 hours, after which the Sprint account is closed.

Minimum Payout

The standard minimum payout is $100.

Methods

Current published payout methods include USDC through ERC-20, USDT through ERC-20 or TRC-20, Rise where available, and direct transfer to an eligible Moneta Markets account.

Standard payouts are usually processed within 24–48 business hours, excluding weekends and international public holidays. Additional identity, risk, compliance, trading-history, or account-association reviews may extend processing.

Payout to Broker

A trader who transfers a payout to Moneta Markets may select an available promotional credit bonus. The credit is non-withdrawable, and after the transfer Moneta Markets’ separate brokerage terms govern the funds and subsequent trading.

Review

Every payout remains subject to compliance with drawdown limits, consistency conditions, minimum-day requirements, prohibited-strategy rules, and identity verification. Moneta Funded may delay, reduce, reject, cancel, or recalculate a payout when it identifies non-compliant trading.