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Use this page as the main source for funded payouts. It explains when you are eligible, how much you can request, and how the wallet payout flow works. The rules are designed to be fair: profit you genuinely earn is always yours, and the structure exists so payouts stay fast and reliable for every funded trader.

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You can request a payout when

All of these are true:
  1. Your realized eligible profit, after prior paid payouts, has reached 2% of your starting balance.
  2. You have no other payout request pending for that funded account.
  3. Your book is flat: all positions are closed, so the amount is exact and final.
  4. Your profit is consistent for this cycle: no single trading day produced more than your account’s consistency cap of the combined profit of your winning days since your last payout.
  5. You provide a valid EVM wallet address that can receive USDC on Polygon.
The 2% is an eligibility gate, not a floor your balance can never cross. It decides when you may request. A payout can take your balance below starting balance plus 2%, after which you simply become eligible again once new profit rebuilds it. Consistency here is a gate too, never a breach: it only asks you to spread profit across more than one day, and it never closes your account.

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How much you can request

Each payout is the lower of these two: A 7-day cooldown applies between payouts.
An approved payout starts a new cycle and resets your withdrawable profit to $0. Only profit you earn after it counts toward your next request. Profit above a cap is not taken from you: it stays in your account as equity and keeps giving you room to trade. It is no longer withdrawable in a later cycle, so if you are near a cap it is worth knowing before you request.
We used to cap each payout after your first at half of the profit earned since the last one. That halving is gone. You can now withdraw the full amount you earn in a cycle, up to your ladder cap.

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What counts as eligible profit

  • Losses always count.
  • Gains count when the position is closed and it is not a direct same-market YES/NO hedge.
Entries outside 0.10 to 0.90 cannot be opened at all, on challenges and funded accounts alike, so they never reach your book to be counted or excluded. See Challenge rules for the band. Normal directional trading is fully covered.

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Profit split and currency

  • Profit split: 80% to you as standard, or 90% if you bought the profit split upgrade.
  • Currency: USDC on Polygon.
  • Destination: required on every request, never saved as a default.
  • One pending request at a time. While a request is pending, the requested gross is reserved against your available balance and you cannot open another.
  • Processing time: usually within 24 hours of approval.
  • Requesting a payout never fails your account. Only the drawdown, inactivity, and risk limits can do that. A blocked or reduced payout just means you request again later.

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If you bought the money back

If you added the money-back option at checkout, everything you paid that day is returned to you with your first approved payout. That covers the challenge fee, any upgrades you bought, and the price of the money-back option itself. It is paid once, on your first approved payout only, and it is not returned if you never reach one. Detail on Challenge upgrades.

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Example

On a $50,000 funded account, you become eligible once your realized eligible profit reaches $1,000 (2% of your starting balance). From there each request is the lower of the two limits above, the ladder and your withdrawable profit, with a 7-day cooldown between requests. The ladder caps on a $50,000 account are:
  • 1st payout: 5% of $50,000, so up to $2,500 gross ($2,000 to you at 80%, or $2,250 at 90%).
  • 2nd and later: 10% of $50,000, so up to $5,000 gross ($4,000 to you at 80%, or $4,500 at 90%).
The same percentages on other account sizes: Each approved payout resets your withdrawable profit to $0, so the next request is built from the trading you do after it. You need $1,000 of new eligible profit to clear the gate again.
Larger funded accounts give more trading room because the drawdown and risk limits scale with size. The progressive ladder reflects that more fairly than a flat cap, and it grows the longer you trade well.

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Payout lifecycle

Funded payout lifecycle diagram

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How to request one

1

Close all open positions

Payouts use realized profit only, and your book must be flat when you request. Close everything you want counted before submitting.
2

Go to the Payouts page

In the app, navigate to Payouts from the main menu. It shows your eligible profit, the amount available now, and the next cap.
3

Enter your destination wallet address

Provide the wallet address you want the USDC sent to. This address is not saved. You must enter it with every request.
4

Submit the request

Review the amount and confirm. Once submitted, the requested gross is reserved against your available balance while the payout is pending.
5

Receive your funds

PolyFundr processes the request within 24 hours on average. On approval, USDC is transferred on-chain to the destination address you provided.

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Destination wallet requirements

Funds are sent as USDC to the wallet address you provide at the time of the request. Enter the full address carefully. The destination is not saved between requests, and transfers cannot be reversed once sent.
Always provide the correct destination wallet address. Payout destinations are not saved, and on-chain USDC transfers cannot be recalled once sent.

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How eligibility works after a payout

The 2% gate stays tied to your funded account’s starting balance. After a payout is sent, prior paid payouts are deducted from the eligible-profit calculation, so you build new eligible profit back above the gate before the next request unlocks. Drawdown is always calculated net of any payouts already made, so withdrawing your profit never moves you closer to a breach. Your earned profit is protected, not penalized.
Need the funded account overview? Read Funded overview.