Prop Firms That Pay in Crypto: USDT, USDC and Bitcoin Payouts in 2026

Prop firms that pay in crypto have gone from a niche option to one of the main ways funded traders get paid. Stablecoin payouts settle in hours, reach countries that bank wires serve badly, and cost cents rather than a $25-$45 SWIFT fee. This guide covers which firms pay in USDT, USDC or Bitcoin in 2026, how the Rise payout rail works, which network to choose, and the mistakes that lose traders money after the payout has already been approved.

Those figures come from Finance Magnates Intelligence, which tracked public blockchain records for the ten largest prop firms. Because they count only payouts visible on-chain, they are a floor: bank transfers and card payouts from the same firms are not included.

Why Funded Traders Choose Crypto Payout Prop Firms

• Speed. A stablecoin transfer confirms in minutes once the firm releases it. A bank wire adds two to five business days on top of the firm's own processing time.
• Reach. Traders in Africa, South Asia and Latin America often face slow, expensive or blocked international wires. A USDT payout arrives the same way everywhere.
• Cost. Sending USDT on Tron costs a fraction of a dollar, against $25-$45 for a SWIFT wire plus intermediary-bank deductions that can quietly shave more off the amount.
• No currency conversion at the firm. Stablecoins track the US dollar 1:1, so you choose when and where to convert into local currency.

Prop Firms That Pay in Crypto (2026)

The on-chain column is the strongest evidence a firm actually pays in crypto at scale, because it is read from public blockchain records rather than from the firm's own marketing. A firm marked "not tracked" may still pay crypto reliably - it simply sits outside the ten firms that study covered. FundedNext's lead is the clearest example of a crypto-first payout operation: USDT is its default rail, and it moved more stablecoin to traders in one quarter than most firms pay in a year.

Fees and minimums are where sources disagree most. Third-party guides quote The5ers' payout fee at anywhere from 2% to 3.5%, and FTMO's crypto minimum at either $50 or nothing at all. Treat any number you read - including on review sites - as a prompt to check the firm's payout page before your first withdrawal, not as a fact.

How Rise Works: The Rail Behind Most Futures Crypto Payouts

Many firms do not send crypto themselves. They pay you through Rise, a payroll platform that settles on public blockchains, and you choose how to withdraw from there: a bank transfer in your local currency, or a stablecoin to your own wallet. That is why a futures firm with no crypto product can still be a crypto payout prop firm.

• Coins and networks: USDC and USDT on Arbitrum, Ethereum, Polygon, Optimism and Avalanche, with USDC also on Base.
• Fees: a USDC withdrawal costs about $2.50-$2.90 depending on the network, against $20-$25 for an international bank transfer. Some firms cover the fee for you, so ask.
• Setup: you receive an email invitation, sign Rise's services agreement and verify your identity with a live photo of your ID. Scans and PDFs are rejected, so do this before your first payout request.
• Limits: crypto withdrawals are not available in some US states, and Rise does not serve around 25 sanctioned countries.

MyFundedFutures is the clearest example of the model working at scale: its payouts through Rise are recorded on-chain, which is why its crypto total is independently verifiable rather than self-reported.

USDT Withdrawal at a Prop Firm: Choosing the Network

A USDT withdrawal from a prop firm only goes wrong in one way, and it is permanent: sending to an address on the wrong network. USDT exists on Tron (TRC20), Ethereum (ERC20), BNB Chain (BEP20) and others, and each network uses its own address format. Tokens sent on a network your wallet or exchange does not support can be lost for good, and the firm cannot reverse a transfer it has already broadcast.

Before you request a crypto payout

Bitcoin Payout on a Funded Account: Does It Make Sense?

A few firms list Bitcoin as a payout option - FTMO is reported to offer Bitcoin, Ethereum and Litecoin alongside USDT, and FundingPips is listed with BTC through Rise - but for most traders a stablecoin is the better choice. Your profit is earned in US dollars. Taking it in Bitcoin turns it into a market position the moment it lands, and a 5% move between the payout and your sale changes what you were actually paid. Bitcoin transfers also confirm more slowly, roughly 10 to 30 minutes, and cost more than a TRC20 transfer. Take Bitcoin only if you intend to hold it.

Prop Firms That Do Not Pay in Crypto

Several of the largest US futures firms still pay only through banks and payment apps. Topstep pays through Prop-to-Brokerage transfers, Aeropay and Wise. Apex Trader Funding pays by ACH, wire or Wise. Take Profit Trader uses Plaid for US traders and PayPal or Wise internationally. None of that is a reason to avoid them - those rails are fast for US residents - but if a crypto payout is a requirement, rule them out before you buy a challenge.

Mistakes that cost traders money on crypto payouts

Crypto Payout Prop Firms: FAQ