Crypto Fund Trader Review (2026)
A prop firm for crypto traders that also offers forex and gold. It has paid me about $15,000. It also carries more trust warnings than any other firm I cover, and you should weigh both.
Disclosure: this review contains affiliate links. If you sign up through them I may earn a commission, at no extra cost to you. I've included the red flags anyway.
Verdict: in my experience Crypto Fund Trader pays. I've had about $15,000 from them with no denials, each payout in 2–3 days. The 2-Step has a static 10% max loss, the drawdown type I prefer on CFD firms. But the firm has a Swiss regulator warning, no Trustpilot score, and no independent payout record. My advice: buy the 2-Step, start with an account size you can afford to lose, and take payouts as soon as you qualify.
- Has it paid me?
- Yes: ~$15,000, no denials
- Best for
- Crypto traders who also trade forex or gold
- Drawdown
- 10% static (2-Step) · 6% trailing (1-Step, Instant)
- Profit split
- 80%, or 90% with a paid add-on
- Payout speed
- 2–3 days in my experience
- Trust
- FINMA warning · Trustpilot rating removed
My experience with Crypto Fund Trader
Crypto Fund Trader rules in 2026
| 2-Step (what I trade) | 1-Step and Instant | |
|---|---|---|
| Profit target | ~8% (some sources: 8.5%), then 5% | Single target |
| Max loss | 10%, static | 6%, trailing |
| Daily loss limit | 5% | 4% |
| Minimum trading days | 5 per phase | Check the plan |
| Profit split | 80% by default; 90% with a paid add-on (20% of the challenge price) | |
| Markets | Crypto (including Bitcoin), plus forex, gold and other instruments | |
| Platforms | MT5, Match-Trader and Bybit | |
| Price | Reported from about $45, depending on account size and program | |
Which challenge to pick: the 2-Step
The 2-Step's 10% max loss is static: the floor never moves. The 1-Step and Instant programs use a 6% trailing limit, smaller and harder to keep, and one review notes the firm doesn't clearly say whether the Instant limit trails, so assume the stricter reading. On CFD firms I only trade static drawdown, which is why I've only bought the 2-Step here. (Why the drawdown type matters.)
Expect the 2-Step to take time. With a 5-day minimum per phase, the fastest I've passed a phase is about a week.
What getting funded costs
It took me about three accounts to get my first funded one, which matches my overall pass rate of roughly one in three. Budget for that:
- Challenge fee × 3 is a realistic cost to get funded, not the price of one attempt.
- Add-ons: two optional add-ons (such as the 90% split), each costing 20% of the challenge price, aren't shown on the pricing page and can raise the cost by up to 40%.
- No refunds or reset discounts on evaluation fees.
Getting paid
In my experience each payout took about 2–3 days from request to payment, and none was denied. Sources differ on how often you can withdraw: some describe on-demand payouts after the first one, others a cycle of every 15 active trading days or 30 calendar days. Check the terms for your account.
One review also reports a 40% rule on some funded account types: no single day can be more than 40% of your total profit. Keep your days even-sized and it won't hold you up.
The red flags, and how to weigh them
I hadn't seen these until I researched this review. You should know about them before you buy:
- Swiss regulator warning. FINMA put cryptofundtrader.com on its public warning list in August 2024, with the reason "not entered in commercial register." The firm says it operates through a Swiss company registered in Zug under a different name. FINMA says a listing doesn't automatically mean an activity is unlawful, but the warning is still up.
- No Trustpilot score. Trustpilot removed the rating for breaching its guidelines and deleted fake reviews.
- No independent payout record. The firm says it has paid over $20 million, but no third party has verified it. My own ~$15,000 is one real data point, not an audit.
- Hidden add-on costs and no refunds, as covered above.
Put together: I've been paid reliably, but you're trusting the firm more than you would FTMO. Protect yourself by keeping account sizes modest and withdrawing as soon as you qualify.
Pros and cons
Pros
- Has paid me ~$15,000 with no denials
- Payouts in about 2–3 days
- Static 10% max loss on the 2-Step
- Crypto, forex and gold in one place
- Low entry prices
Cons
- FINMA warning listing
- Trustpilot rating removed
- No independent payout verification
- Add-on costs not on the pricing page
- Minimum 5 trading days per phase slows passing
Who Crypto Fund Trader is for
A good fit: crypto traders who want funding for Bitcoin and other coins, and forex or gold traders who are comfortable with a younger firm and its trust warnings.
Not a good fit: anyone who wants the most established, best-documented firm. Look at FTMO instead.
FAQ
Does Crypto Fund Trader actually pay?
It has paid me around $15,000, each payout in about 2–3 days, with no denials. That's my experience; the firm has no independent payout audit.
Is Crypto Fund Trader legit?
It paid me reliably, but it carries a FINMA warning listing and Trustpilot removed its rating. Treat it as higher-trust-risk than FTMO: keep account sizes modest and withdraw as soon as you qualify.
Can I trade more than crypto?
Yes. I've traded Bitcoin, forex and gold there, and it offers other instruments too.
How long does the 2-Step take?
At least 5 trading days per phase. My best was about a week per phase; it's often longer.
1-Step or 2-Step?
The 2-Step: its 10% max loss is static, while the 1-Step's is a smaller 6% and trails.
More: FTMO review · FTMO vs FundedNext · all CFD firms