Quick summary
You pass when
Equity reaches +30% and your profit is consistent (no single trading day
is more than 30% of your total profit).
You fail when
You breach daily drawdown, total drawdown, max risk per trade, or
inactivity.
Challenge vs funded
| Challenge | Funded account | |
|---|---|---|
| Main goal | Pass the challenge | Become payout-eligible |
| What counts toward the target | Equity | Realized profit |
| Target size | 30% of starting balance | 30% of starting balance |
| Open positions | Count in equity | Do not count until closed |
| Consistency | No single day over 30% of total profit | 40% per payout window, every payout |
| Core risk rules | 10% daily, 20% total, 5% max risk, 14-day inactivity | Same risk rules |
| Payouts | Not available | 90% split, progressive payout caps |
You pass when
You pass the challenge the moment both of these are true at the same time.| Condition | Requirement |
|---|---|
| Profit target | Your account equity reaches +30% above your starting balance |
| Consistency | No single trading day’s realized profit is more than 30% of your total realized profit |
Consistency is a gate, not a breach. It never fails or closes your account.
It only delays the pass until your profit is spread out. If one big day is
more than 30% of your total, keep trading across more days to bring that
share down, then the challenge passes once the +30% target is also met.
Your account fails when
Any one of these conditions ends the challenge immediately.| Condition | Limit | Measured from |
|---|---|---|
| Max daily drawdown | 10% drop from the day’s starting equity | UTC-day equity snapshot |
| Max total drawdown | 20% drop from your all-time peak equity | Trailing high-water mark |
| Max risk per trade | 5% of your starting balance per trade | Before every new trade |
| Max inactivity | 14 days without a qualifying trade | Challenge activation or last trade |
Max daily drawdown
At the start of each UTC day, the platform snapshots your account equity. If your equity falls more than 10% below that snapshot at any point during the day, the account fails. Example: You start a UTC day with $52,000 in equity. Your daily floor is $52,000 x 0.90 = $46,800. If your equity drops to $46,799 at any point that day, the challenge ends.
Max total drawdown (trailing)
The platform tracks your highest-ever equity. If your equity falls more than 20% below that all-time peak, the account fails. The high-water mark only moves up. Once you reach a new peak, the floor rises with it and does not move back down. Example: Your starting balance is $50,000 and your equity peaks at $58,000. Your total drawdown floor is $58,000 x 0.80 = $46,400. If your equity falls to $46,399, the challenge ends.
Drawdown calculations are adjusted for any payouts already made. Withdrawing
profits on a funded account does not move you closer to a breach.
Max risk per trade
Before every trade, the platform calculates your worst-case loss across all open positions on the same market plus the new trade you are about to place. If that combined worst-case loss exceeds 5% of your starting balance, the trade is blocked. Example: On a $50,000 challenge, 5% is $2,500. If you already have $1,800 at risk on a market and try to add a trade that risks another $900 on the same market, the total would be $2,700. The trade is blocked.Max inactivity
If 14 or more days pass without a qualifying trade ($1+ notional), the account fails. The clock starts at challenge activation and resets with every qualifying trade you place.What carries over to funded accounts
After you pass, your funded account keeps these risk rules:- 10% max daily drawdown
- 20% max total drawdown
- 5% max risk per trade
- 14-day max inactivity
What is allowed
- Trade any market available on PolyFundr using live Polymarket prices.
- Hold positions for as long as you like, provided you stay within the rules.
- Trade on news events, weekends, or any time of day.
- No restrictions on holding periods or market categories.