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The risk rules that applied during your challenge carry over to your funded account. Drawdown, max-risk, and inactivity are enforced the same way. Payout eligibility is tracked separately from those risk rules and is based on realized profit.

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Quick summary

Payout rules

30% realized-profit threshold, your account’s profit split, USDC on Polygon, and progressive payout caps from $1,000 to $5,000 gross per request.

Risk limits

10% daily drawdown, 20% total drawdown, 5% max risk per trade, and 14-day inactivity.

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Rules at a glance

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How each rule works

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Payout threshold

Your payout threshold is 30% of your funded account’s starting balance. It is based on realized profit only. Open positions do not count until they are closed, and prior paid payouts are deducted from the realized-profit calculation.
Every funded payout window also has to pass a consistency rule: no single trading day’s profit can be more than your account’s cap of the winning days’ combined profit in that window. It is a gate, not a breach, and never closes your account. Trading steadily across a few days clears it. See Funded payouts.

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Per-request payout caps

Each payout is the lowest of three limits:
  • The cap ladder: 1st request up to $1,000, 2nd up to $2,000, 3rd and later up to $5,000 gross.
  • Half of the eligible profit you have earned since your last payout.
  • Your eligible net after prior paid and pending payouts.
A 7-day cooldown applies between payouts. Profit above a cap is not lost: it stays in the account and remains withdrawable in later windows. Full detail and worked examples are on Funded payouts. Larger funded accounts still provide more trading room because drawdown and risk limits scale with account size. The ladder reflects that more fairly over time and grows the longer you trade well.

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Max daily drawdown

At the start of each UTC day, your equity is snapshotted. If your equity drops more than 10% below that level at any point during the day, your funded account is breached.
The daily drawdown resets each UTC midnight, not at a fixed clock time local to you. Plan your trading sessions accordingly.

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Max total drawdown

PolyFundr tracks your all-time peak equity. If your equity ever falls more than 20% below that peak, your funded account is breached. The peak only moves upward. Once you reach new highs, the floor rises with you.
Drawdown calculations are adjusted for payouts you have already received. Withdrawing profits does not lower your drawdown floor or move you closer to a breach.

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Max risk per trade

Before every trade, the platform checks the worst-case loss across all your open positions in the same market plus the new trade. If that combined exposure exceeds 5% of your starting balance, the trade is blocked. This rule is enforced on the starting balance of your funded account, not on your current equity, so the absolute dollar limit stays constant.

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Max inactivity

If more than 14 consecutive days pass without a qualifying trade, your funded account is breached. The inactivity clock starts when your funded account is activated and resets each time you place a qualifying trade.

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What happens if you breach a rule

If a rule violation is detected, your funded account is closed. You would need to purchase and pass a new challenge to receive a new funded account. Beyond the numeric rules above, all funded trading is also subject to the Fair Use Policy. Bad-faith trading, masking identity, location, or account control, or exploiting bugs, latency, or pricing errors can void trades and payouts and close the account at any time, including after a payout.
The max risk per trade rule is enforced in real time. Trades that would breach it are blocked before they execute. Daily and total drawdown violations are evaluated continuously and will close the account immediately on breach.