> ## Documentation Index
> Fetch the complete documentation index at: https://support.polyfundr.com/llms.txt
> Use this file to discover all available pages before exploring further.
# How PolyFundr Works: Challenge to Payout
> A step-by-step breakdown of the PolyFundr flow: buy a challenge, pass it, get a funded account, and withdraw 90% of your profits in USDC.
Use this page as the main overview of PolyFundr. It shows how the challenge works, what changes when you get funded, and how payouts work.
## Flow diagram
## The full flow
Pick a challenge size (\$10,000, \$25,000, or \$50,000) and pay the one-time fee. \$100k and \$200k accounts come through competitions and giveaways.
Pass when your **equity** reaches +30% and your profit is consistent (no
single trading day over 30% of your total profit), without breaching any
risk rule.
A funded account opens automatically at the same size. It starts fresh and
is separate from your challenge account.
Once your **realized profit** reaches the payout threshold, you can request
USDC on Polygon to the wallet address you enter for that request.
## Challenge pass vs funded payout
This is the most important distinction on the site:
| | Challenge | Funded account |
| :---------------------------- | :---------------------------------- | :---------------------------------- |
| What moves you forward | Pass the challenge | Request a payout |
| 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 > 30% of total profit | 40% per payout window, every payout |
If you remember one thing, remember this: challenge passing is equity-based,
and funded payout eligibility is realized-profit-based.
## Challenge rules at a glance
| Rule | Requirement |
| :----------------- | :------------------------------------------------------ |
| Profit target | +30% equity from starting balance |
| Consistency | No single trading day over 30% of total realized profit |
| Max daily drawdown | 10% of the day's starting equity |
| Max total drawdown | 20% below your peak equity |
| Max risk per trade | 5% of starting balance |
| Max inactivity | 14 days |
The full definitions and examples live on [Challenge rules](/challenges/rules).
## Funded account rules at a glance
* The funded account starts at the same size as the challenge you passed.
* Daily drawdown, total drawdown, max risk per trade, and inactivity rules still apply.
* Payouts use a 90% split.
* Payouts are sent in USDC on Polygon.
* You must enter the destination wallet address every time.
* Payout requests use progressive caps: \$1,000 on the 1st request, \$2,000 on
the 2nd, and \$5,000 from the 3rd request onward.
* Only one payout request can be pending per funded account at a time.
* While a payout is pending, that amount is reserved against further payout availability.
The full payout rules live on [Funded payouts](/funded/payouts).
## What to read next
Compare account sizes, fees, and what happens after you pass.
Read the exact pass and fail conditions.
See the full payout flow, limits, and wallet rules.