Fintokei — Funded Stage Rules & AI Trust Score

Hidden Rules & Critical Conditions

• StartTrader split formula is secret — DPR pays 50–100% but the calculation is never disclosed [Critical]: The StartTrader plan uses a 'Dynamic Performance Reward (DPR)' that pays traders between 50% and 100% of their profits. Fintokei states: 'You can earn a performance reward between 50-100% of your profits, calculated individually for each payout. That means you can always improve and maximize your earnings!' However, the exact formula or criteria determining the specific percentage for each payout cycle is never published anywhere on the website, FAQ, or terms. Traders cannot know in advance whether they'll receive 50%, 75%, or 100%.
• SwiftTrader funded: must reach +3% profit before any payout can be requested [Critical]: In the SwiftTrader funded stage, a minimum profit threshold of +3% from the starting balance must be reached before any payout can be requested. This is listed in the spec table as 'Minimum profit per Payout: +3%'. If a trader is up +2% but under +3%, they cannot withdraw — they must continue trading to reach the threshold. The challenge requires 10% profit to pass, but the funded stage imposes an ongoing +3% gate for each payout cycle.
• -3% max open trade risk limit is a hard account breach across ALL plans and ALL stages [Warning]: All Fintokei plans include a '-3% maximum allowed risk on open trades' rule. This means no single trading setup can risk more than 3% of the account balance at any one time. Fintokei explains: 'It means that no single setup can risk more than 3% of your account at once.' Exceeding this limit constitutes an immediate account breach. This rule applies in both challenge and funded stages across ProTrader, ProTrader Swing, SwiftTrader, and StartTrader.
• Broad restricted country list — 16 permanent + 4 temporary restrictions including India and China [Warning]: Fintokei restricts access for residents/citizens of 16 countries permanently: USA, India, Russia, Belarus, North Korea, Iran, Myanmar, Syria, Yemen, Cuba, Venezuela, Sudan, South Sudan, Afghanistan, Somalia, Iraq. Additionally, 4 countries are temporarily restricted: Vietnam, Pakistan, Bangladesh, China. This includes major trading populations in India, China, Vietnam, Pakistan, and Bangladesh.
• Dual company structure — Czech Republic (Fintokei a.s.) and Seychelles (AXSE Brokerage Ltd.) [Warning]: Fintokei's legal structure splits between two entities: Fintokei a.s. (Czech Republic, company IČO: 193 25 281) and AXSE Brokerage Ltd. (Seychelles, company 8424258-1). The Czech entity is the primary brand operator; the Seychelles entity 'operates trading platforms and provides technical infrastructure.' Payout obligations and legal remedies depend on which entity issued the contract and in which jurisdiction.
• 30-day inactivity rule closes accounts across all plans and all stages: All Fintokei accounts — both challenge and funded — are automatically closed if no trade (open or closed) is made within any 30-day rolling period. This applies to ProTrader, ProTrader Swing, SwiftTrader, and StartTrader. The account is permanently closed (not paused) after 30 days of inactivity.
• Loyalty Program capital boost is gamification — Tier 6 requires ~30,000 XP (long-term grind): The Fintokei Loyalty Program offers capital boosts and better conditions through Tier progression. Maximum benefits (20% capital boost, +2% daily/max DD, +25% performance reward, free $100K ProTrader account) unlock only at Tier 6 requiring 30,000 XP. Earning XP requires: passing challenges (350+ XP per full cycle), approved payouts (300 XP each), login activity (10 XP/day), KYC (200 XP). Reaching Tier 6 conservatively requires ~40+ complete challenge/payout cycles.