Introduction

Moneta Funded is a prop firm that has emerged as a popular choice for traders who want to trade Forex, gold, and indices without risking their own capital. By understanding Moneta Funded’s account types, you can choose a prop firm funding model that aligns with your trading style and financial goals.

In this Moneta Funded review, we aim to clearly explain the firm’s account types, challenge fees, trading rules, profit splits and how you can receive your payouts in 2026. But first let’s understand about the Moneta Funded prop firm.

What Is Moneta Funded?

As a recently launched multi-asset prop firm in December 2025, Moneta Funded operates under the well-known brokerage Moneta Markets. The prop firm allows skilled traders to trade with massive amounts of simulated capital, potentially up to $2 million or more and make real profits from it.

Instead of risking personal capital, you can leverage the firm’s funded capital to trade the global financial markets like. Firstly, traders have to complete a Moneta Funded challenge to demonstrate their trading abilities and risk management skills before they are granted access to these funds.

Once you pass the challenge and comply with Moneta Funded’s rules, you can take a significant profit split of up to 88% on your real trading account. The goal is to bridge the gap between retail traders and institutional-level trading environments.

Key Highlights about Moneta Funded Prop Firm:

• Traders pay a one-time entry fee based on the chosen account size ranging from $2,500.
• Your financial liability is strictly limited to the initial evaluation fee - your personal savings are never at risk during trading.
• Traders enjoy a massive 88% profit split across all account types, among the highest in the 2026 prop firm market.
• It operates on a performance-based funding model backed by a reputable broker.

Moneta Funded Challenge and Instant Accounts Explained (2026)

Moneta Funded offers multiple funding models designed for different trading styles. If you have different levels of experience, you can select the one that suits you best. Many traders ask: What account types does Moneta Funded offer in 2026? Below is the detailed explanation of each account type.

Moneta Funded Instant Funding

The Moneta Funded instant funding account type is an option for traders who do not want to go through an evaluation phase. You can start trading a funded account on the first day without going through the challenge. The rules for this account include a 3% daily drawdown and a 6% maximum trailing drawdown. There is no minimum profit requirement, so you can simply trade and increase your balance at your own speed. This model is suitable for experienced and consistently profitable traders.

• Profit target: None - focus is on risk management.
• Drawdown rules: 3% daily loss limit and 6% maximum trailing drawdown.
• Trading conditions: Leverage up to 1:100.
• Allowed strategies: overnight / weekend holding and EAs allowed (must be unique/non-copy); 20% consistency rule applies.
• Profit split: Standard at 88% for all funded accounts.
• Payout frequency: Bi-weekly (every 14 days) after the first trade.

Moneta Funded 1-Step Challenge

The Moneta Funded 1-Step Challenge is a single-phase evaluation model. You have to achieve a profit goal of 12%. To pass the 1-step challenge, you must complete at least three trading days with a minimum profit of 0.5% per day. The risk limits are standard, with a 3% daily limit and a static maximum loss limit of 6%. If you are looking for a faster evaluation model with a single phase, then Moneta Funded 1-Step Challenge is a great option.

• Profit target: 12% profit to achieve in a single phase.
• Drawdown rules: 3% Daily loss limit and 6% Maximum loss limit (static).
• Trading conditions: Professional execution via MT5 or MatchTrader.
• Allowed strategies: EAs, overnight / weekend holding and news trading are generally permitted - however, trades must stay open for at least 2 minutes.
• Profit split: Standard 88% on all funded accounts.
• Payout frequency: Bi-weekly (every 14 days) once funded status is reached.

Moneta Funded 2-Step Challenge

The Moneta Funded 2-Step Challenge is a somewhat traditional model. It consists of two separate phases. The first phase requires a 5% profit target, while the second phase requires 10%. This model has a slightly different risk scaling to help you stay safe. It features the same 88% profit split and payout schedule as the other accounts. It is suitable for disciplined traders that prefer to demonstrate their consistency over time.

• Profit target: 5% for Phase 1 and 10% for Phase 2.
• Drawdown rules: 4% Daily loss limit and 10% Static maximum loss limit.
• Trading conditions: Leverage up to 1:100.
• Allowed strategies: News trading, overnight / weekend holding and EAs trading (with some restrictions).
• Profit split: 88% standard.
• Payout frequency: Every 14 days after reaching the funded stage.

Moneta Funded Phoenix Challenge

The Moneta Funded Phoenix challenge is a unique high-level challenge. The profit target is 10%, and you are given unlimited time to reach it. You can trade without being under the pressure of a deadline. It is best suited for advanced traders and beginner traders who prefer gradual capital growth without time pressure and want to challenge themselves.

• Profit target: 10% target with no time limit.
• Drawdown rules: 3% Daily loss limit and 6% Static maximum loss.
• Trading conditions: Professional broker-backed environment with competitive spreads.
• Allowed strategies: Most standard strategies; trades must be held for at least 2 minutes.
• Profit split: 88% on all funded accounts.
• Payout frequency: Every 14 days after reaching the funded stage.

Moneta Funded Challenge Types Comparison

Which Moneta Funded Account to Choose?

In our Moneta Funded review, we looked at different challenge and Instant accounts offered. These prop firm models is designed for traders with different trading style, but selecting the right one is mostly based on your trading knowledge, skill level and how much risk you can manage.

• 1-Step Challenge: Ideal for very active traders who want to get funded quickly with only one evaluation phase.
• 2-Step Challenge: Ideal for steady traders who want more error margin as it gives the highest total drawdown (10%).
• Phoenix Challenge: Ideal for beginners or very patient traders who want time to trade without pressure and gradually work up the capital.
• Instant Funding: Ideal for highly skilled professionals with a proven strategy who want to skip the evaluation and start earning immediately.

Since it is a broker-backed prop firm, the Moneta Funded rules are very strictly followed to ensure safety of both the firm’s capital and traders profit. You should have a solid strategy and be very cautious in risk management in order to succeed. Success in trading with prop firm funded account is all about discipline long-term strategy planning and the ability to trade with emotional control each time.

Moneta Funded Rules You Must Know

To maintain your funded status, you have to strictly follow the Moneta Funded rules. In case you decide to violate any of those established guidelines, you will be disqualified from the challenge.

Moneta Funded Risk Limits:

• Daily drawdown: Generally between 3% and 4% depending on your specific account.
• Max drawdown: Between 6% and 10% based on the model you chose. For the instant account, the max drawdown limit is trailing type, while other Moneta Funded account have a static drawdown.
• Minimum trading days: Normally you are required to trade for at least 3 days, except for the Instant Funding account.
• Trade minimum duration: Every trade must stay open for at least 2 minutes. This rule is in place to prevent certain types of software abuse.

The most important thing to learn is the Moneta Funded drawdown and trading rules so that you can maintain your funded status. Carefully monitor drawdown limits to avoid accidental account breaches.

Trading Consistency Rules

Moneta Funded require that your performance be from your skill, not your luck, so stick with its rules. Your profits should come from multiple trades and days rather than one single lucky trade.

Key points to understand:

• 20% Consistency Rule: This rule only applies to Instant Funding accounts and no single day's profit can be more than 20% of your total profit.
• Minimum Profitable Days: In order to be eligible for a payout for the 1-Step, 2-Step and Phoenix models, you need to have at least 3 profitable days (minimum gain 0.5% per day).
• Risk Discipline: Highly aggressive "all-in" behavior or gambling style trading can cause you to break the rules.

Inactivity Rules

Moneta Funded demand traders to be consistently active within the program. In fact, they do not impose any specific inactivity fees in 2026 - however, if you leave for a very long time, your account might get some problems. Important points:

• Moneta Funded requires you to place at least one trade every 30 days, to save your funded account. But, accounts with no activity during this 30-day window will cause an account closure.
• An extended lack of trading activity may cause the funded account to be locked out.
• Always check your dashboard to verify your account status on activities.

Prohibited Trading Strategies at Moneta Funded

The firm has set aside the capital only. So, to be secretive about their operations, they are resourcing extreme methods that might lead to the loss of their capital at one moment. They are hardly ever going to be used with the firm's capital. If you utilize these you will experience immediate account failure:

• Martingale & Grid Trading: You are not allowed to add layers to your losing positions or double your commitment to a losing position.
• High-Frequency Trading (HFT): The use of latency arbitrage or HFT bots is not allowed.
• The Two-Minutes Rule: Your trade must last for at least 2 minutes. Opening and closing positions within seconds to make a few trades is considered a breach of the rules.

Moneta Funded Platform Access & Trading Conditions (2026 Guide)

Moneta Funded provides its traders with institutional-grade trading technology backed by the Moneta Markets infrastructure. These platforms are designed for fast execution and stability across global markets. Each trader can expect:

• Professional Platforms: Access to MetaTrader 5 (MT5) and Match-Trader, supporting both desktop and mobile.
• Tier-1 Liquidity: Tight spreads starting from 0.0 pips on major pairs with market-oriented pricing.
• Rapid Execution: Low-latency order processing powered by fiber-optic connections to Equinix execution hubs.
• Flexible Trading: Overnight and over-weekend holding is permitted across all challenge models.

The trading conditions are engineered to support disciplined risk management. By offering Match-Trader, Moneta Funded also ensures a reliable environment for traders in regions where MT5 access might be restricted, making it a truly global professional choice.

Moneta Funded Profit Split and Scaling Plan Explained

Moneta Funded offers one of the most competitive reward structures in the industry, featuring a high 88% profit split across all account types. Their scaling plan is designed to empower disciplined traders by doubling their capital at every milestone, reaching up to a massive $2,000,000 in funding.
 

Moneta Funded Profit Split

Once you become a funded trader at Moneta Funded then you can keep 88% of your trading profits. This is true for all the different trading account models you may choose. Besides, you do not have to wait for a very long period before getting your money. The payout cycle therefore takes place every 14 days after you have qualified as a funded trader.

Moneta Funded Scaling Plan (Phoenix Program)

The standout feature for growth-oriented traders is the Phoenix Scaling Program. This model embeds capital expansion directly into your trading journey:

• 10-Tier Growth Path: The scaling plan is structured as a 10-level progression.
• Capital Doubling: Traders can start with a balance as low as $2,500 and progressively double their capital at each stage.
• Milestone Requirements: To scale to the next level, you must achieve a 10% profit target while maintaining strict adherence to drawdown and consistency rules.
• Maximum Funding: Through consistent performance, a single trader can scale their total allocation up to $2,000,000.
• Payout Cycle: You do not have to wait months to see the fruits of your labor - the payout cycle occurs every 14 days after you qualify as a funded trader.

Besides the Phoenix model, 1-Step and 2-Step accounts can also scale up to $2,000,000 if you trade consistently and follow drawdown rules. As your account grows, you keep an 88% profit split and receive higher loss limits to manage larger trades.

Moneta Funded Payout Rules and Withdrawal Process

Moneta Funded has designed its payout system to reward traders who remain disciplined and consistent. Once a trader reaches the funded stage across any of the Moneta Funded account type, they can begin receiving their share of the profits based on a transparent payout schedule.

Moneta Funded Payout Rules

To be eligible for your first and subsequent payouts, you must fulfill specific conditions to ensure account security and rule compliance:

• Minimum Trading Days: You must complete at least 3 trading days (except for Instant Funding, where this may vary) before a payout request can be made.
• Account Verification: Ensure your KYC documentation is fully approved in the dashboard.
• Profit Target & Buffers: Your account must be in a positive balance above the starting capital, and all open positions must be closed.
• Consistency Check: Payouts are subject to a review of the 20% consistency rule (for Instant accounts) and the 2-minute trade duration rule.
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Moneta Funded Withdrawal Process

Moneta Funded facilitates global accessibility by offering multiple secure withdrawal channels. The process is designed to be fast, typically clearing within 24 to 48 hours after approval.

• Minimum Withdrawal: The minimum profit withdrawal threshold is $100.
• Payout Methods: You can receive your profits via Cryptocurrency (USDT) or well-known global platforms like Rise and Wise.
• Fee Structure: Moneta Funded does not charge internal withdrawal fees, though third-party processors (like banks or crypto exchanges) may apply their own standard rates.
• How to Request a Payout: Simply log in to your Moneta Funded Dashboard, navigate to the 'Payouts' section and select your preferred method and amount.

Real User Feedback & Trust Factor About Moneta Funded Prop Firm

Moneta Funded has become quite popular in the prop firm industry, mainly because it is directly supported by Moneta Markets, which is a regulated broker with more than 10 years of operating experience. Most traders identify the firm's transparency and the professional environment as the primary reasons for their trust.

What We Are Seeing Across about Moneta Funded?

The traders who pass the Moneta Funded challenge or withdraw profits from their funded account are the ones who:

• Leverage the Infrastructure: Broker users sometimes boost about the firm’s instant execution on trading platform and institutional grade technology, the broker backend advantage.
• Prioritize Discipline: The community is in agreement that the 88% profit split is very attractive but they also think that the rules (such as being able to trade for minimum 2 minutes) require a very high level of concentration which particularly benefit discipline traders.
• Exercise Support: A lot of testimonials mention quick and very competent support staff who help with KYC and account issues.

Is Moneta Funded a Legit and Trusted Firm?

According to the latest trader reviews and positive feedback from the community on platforms such as Trustpilot (where they enjoy a robust 4.7/5 score), Moneta Funded in 2026 is deemed to be a very dependable option. Being a broker-backed firm adds a level of security that many non-broker affiliated prop firms do not have, as it signifies that the firm is sustainable and has access to deep liquidity.

It is an excellent choice for traders who are looking for structure and the possibility of scaling rather than marketing tricks. Trading with any prop firm carries the risk of losing your evaluation fee but Moneta Funded being linked to a regulated broker makes it one of the safest settings for long, term capital growth.

Tips to Pass Moneta Funded Challenges (Practical)

If you want to win the Moneta Funded challenge, here is a simple list of guidelines you may follow:

• Plan all your trades first before you open them and do not trade too much in one sitting.
• Follow the consistency rule by evenly spreading your profits through different days rather than trying to make a huge jackpot in one hour.
• Apply excellent risk management and never allow your losses to come close to the daily drawdown limit.
• Lastly, always verify the difference in the rates on the MT5 or MatchTrader platform before you put a live trade.

Final Verdict - Is Moneta Funded Worth It in 2026?

Moneta Funded is a broker-backed prop firm that, in 2026, is providing traders with transparent challenge passing rules, trading conditions and an 88% profit split in the funded stage. They offer a wide variety of trading options, such as the Instant Funding, 1-Step, 2-Step, and Phoenix, so traders can pick the one that fits their trading experience and risk tolerance.

However, the firm has set strict yet achievable trading rules for drawdown and charges non-refundable fees which indicate that only highly disciplined traders with a proven strategy should consider this firm. If you want to be a funded trader and know how to run a defined risk limits then the Moneta Funded is still one of the best choices among the prop firms of today.

Read the full Moneta Funded review 2026 on The Trusted Prop for more expert insights.