Overview
Crypto Fund Trader is the rare prop firm built around crypto first, and it is the only firm on this site that will let you run an evaluation on your own Bybit account through an API key rather than on a broker platform. It sells three routes - a 2-Phase with 8% then 5% targets against a static 10% maximum loss, a 1-Phase with a 10% target against a 6% trailing loss, and an Instant double-up ladder - from $5,000 to $200,000, with a maximum funded allocation of $300,000 per user. The instrument list is genuinely wide for a crypto specialist: 540+ crypto pairs on MT5 and Match-Trader, 715+ crypto futures pairs on Bybit, plus forex, indices, commodities and stocks. What stands out in the rulebook is what is absent. There are no minimum trading days at all, no time limit, no maximum lot size, no consistency rule on the 1-Phase or 2-Phase routes, and overnight and weekend holding are allowed on every instrument. The split is a flat 80% you do not have to buy an upgrade to reach. Two things pull the other way, and both are worth understanding before you spend: Trustpilot has suspended the firm's rating for a guidelines breach across 1,105 reviews, and a reset after a funded-account breach costs roughly three times the original challenge - and is only offered if every trade you placed carried a stop loss and none risked more than 2%.
Key Features
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Crypto Fund Trader Rules
Pricing Options
| Account Size | Price | Discount |
|---|---|---|
| $5,000 | $58 | - |
| $10,000 | $110 | - |
| $25,000 | $240 | - |
| $50,000 | $389 | - |
| $100,000 | $660 | - |
| $200,000 | $1,250 | - |
Prices verified 6 September 2026 for the 2-Phase Evaluation, the flagship route. The 1-Phase route is cheaper at every size despite giving you a funded account faster - $40, $80, $219, $369, $619 and $1,199 across the same ladder - because it swaps the static 10% maximum loss for a 6% trailing one, so the saving is a risk trade rather than a bargain. Instant accounts price separately and are the most expensive per dollar of capital: $125 for $2,500, $240 for $5,000 and $475 for $10,000, since they skip the evaluation entirely. All fees are one-time with no activation charge on the standard routes, and there was no discount code running on the site when this review was written. Two costs the pricing page does not show: the Break product line charges a separate activation fee after you pass ($138, $198 or $328 by size), and a reset account after a funded breach costs far more than the original challenge - $1,880 to reset a $100,000 2-Phase account against $660 to buy one.
Crypto Fund Trader Discount Code: What Is Actually Available
There was no discount code running on Crypto Fund Trader's site when this review was written on 6 September 2026 - no promotional banner, no coupon field advertised on the pricing widget, and no seasonal sale of the kind most of its competitors keep permanently live. The prices listed here are therefore the real prices rather than a marked-up list price waiting for a code, which is worth factoring into any comparison: a $660 challenge with no discount is a different proposition from a $997 challenge advertised at 30% off. The firm does run free tournaments and a gamified ranking system that award prizes and free challenges, which is its substitute for discounting. If a code appears later it will most likely be seasonal, so check the site before assuming one exists.
Pros & Cons
Pros
- The only firm here that runs evaluations on your own Bybit account, with 715+ crypto futures pairs
- No minimum trading days on any route - you can pass in a single session
- No consistency rule on the 1-Phase or 2-Phase routes; it applies only to the Break product line
- Flat 80% profit split with no upgrade to buy, unlike the 80%-plus-add-on model most rivals use
- No time limit and no maximum lot size
- Static 10% maximum loss on the 2-Phase route, fixed against your initial balance
- The 1-Phase trailing drawdown stops trailing once it reaches your initial balance
- News trading, overnight holding and weekend holding allowed on every instrument
- 540+ crypto pairs plus forex, indices, commodities and stocks - unusually wide for a crypto specialist
- A public reserves page updated daily, plus a named Swiss company with a verifiable register number
- US traders accepted on Match-Trader, which the firm states carries no country restrictions
- Payouts by bank transfer in EUR or USD, or crypto in USDT, BTC or ETH
Cons
- Trustpilot has suspended the firm's rating for a breach of its guidelines, across 1,105 reviews
- A reset after a funded breach costs about three times the challenge - $1,880 on a $100,000 2-Phase account
- Reset eligibility requires that every trade had a stop loss and no trade risked over 2%, which most traders will fail
- Instant accounts start at a 50% profit split and only reach 90% after four double-ups
- The first payout needs 15 traded days, or 30 calendar days - there is no on-demand option without an add-on
- Payout review can take up to 48 business hours despite the ~8 hour average
- Swap fees apply to CFD positions held overnight
- On the Bybit route you are responsible for your own account and for complying with Bybit's own restrictions
- Editing, deleting or replacing your Bybit API key voids the evaluation automatically
- The terms and conditions never name the operating entity in the body - only the footer does
- The advertised "KYC Audit" is a listing badge from a crypto directory, not a financial audit
Evaluation Process
Crypto Fund Trader has a clear, multi-phase evaluation process. Here's what to expect:
2-Phase Evaluation - the flagship
The main route, running $5,000 to $200,000. Phase 1 targets 8% and Phase 2 targets 5%, both against a 5% daily loss limit and a maximum overall loss fixed at 10% of your initial balance. Zero minimum trading days, no maximum, and no time limit - so it can be passed in one session or built over a year. Leverage up to 1:100, news trading allowed, positions can be held overnight and over the weekend. Pass Phase 1 and the Phase 2 account arrives within minutes.
1-Phase Evaluation - the fast route
One phase, a 10% target, and cheaper than the 2-Phase at every account size - the trade-off is the drawdown mechanic rather than the price. The daily limit tightens to 4% and the fixed 10% floor is replaced by a 6% trailing drawdown measured on your highest balance, which follows the account upward and then locks permanently once it reaches your initial balance. Same zero minimum days, no time limit and 1:100 leverage as the 2-Phase.
Instant - the double-up ladder
No evaluation at all: buy in at $2,500, $5,000 or $10,000 and start on a live-stage account immediately, with a 4% daily and 6% overall loss limit. Growth works through double-ups, where a 10% target moves you to the next level, and the profit split climbs with it - 50% at $5,000, 60% at $10,000, 70% at $20,000, 80% at $40,000 and 90% from $80,000, running to $1,280,000. That opening 50% is the thing to notice: the Instant route pays half the standard split until you have doubled up three times.
Final Stage & Rewards
The funded account keeps the same drawdown rules as its evaluation and pays a flat 80% on the 1-Phase and 2-Phase routes. Rewards - the firm calls them scholarship rewards - can be requested after 15 traded days or every 30 calendar days, cut to every 7 traded days with the weekly add-on, with all trades closed and KYC approved first. Processing averages around 8 hours with up to 48 business hours reserved for review. Payment comes by bank transfer in EUR or USD, or crypto in USDT (ERC-20 or TRC-20), BTC or ETH. There is no free reset after a breach: a paid reset exists but costs roughly triple the challenge and requires that every trade had a stop loss and none risked more than 2%.
Company Background
Crypto Fund Trader positions itself as the first crypto-focused prop firm in the industry and has been operating since 2022. Its footer names two entities: SWISS RLCRATES AG, registered as CHE-162.567.204 at Bahnhofstrasse 21, 6300 Zug, Switzerland, and RLCRATES S.L., the company that provides the MetaTrader 5 side. That is more corporate disclosure than most of the sector offers, and a Swiss commercial register number is independently checkable - though it is worth noting the terms and conditions themselves never name the operating entity in the body, only the footer does. The firm runs offices in Zug, Pamplona and Dubai with more than 50 staff, holds a partnership with the Bybit exchange, and sponsors C.A. Osasuna, the La Liga club based in Pamplona. It reports $21.27 million paid to traders, 57,000 traders educated and $445,441 paid in the most recent month, and publishes a Proof of Scholarship Reserves page updated daily at 12:00 AM UTC - at the time of writing showing $1,759,337 held in what it calls its educational incentive reserve against $302,129 of current user performance. Those figures are self-published rather than attested on-chain or by an auditor, and the firm is an evaluation company running simulated accounts, not a broker or a regulated financial institution.
Is Crypto Fund Trader Legit?
Crypto Fund Trader has more verifiable substance behind it than most firms of its age, and one conspicuous hole in its public record. The substance: a named Swiss company with a commercial register number anyone can look up, a second named Spanish entity, three physical offices, 50-plus staff, four years of operation, a Bybit partnership, sponsorship of a La Liga football club, a reserves page refreshed daily, and a rulebook that is unusually permissive in writing - no consistency rule, no minimum trading days, no time limit, no lot cap. The hole is that Trustpilot has suspended the firm's rating for a breach of its guidelines, leaving 1,105 reviews with no aggregate score. The reviews still readable there run the usual split: traders confirming repeat payouts and praising support, against complaints about rules changing and accounts being blocked. Two of the firm's own trust signals are weaker than they look and should be discounted rather than counted - the "KYC Audit" badge links to Coinscope, a crypto token directory, and certifies a listing rather than the finances, and the reserves numbers are the firm's own reporting rather than an independent attestation. The most concrete risk to price in is not solvency but the reset policy: a funded-account breach here means either buying a reset at roughly triple the challenge price, if you even qualify, or starting again at full cost.
Crypto Fund Trader Payout Proof: How Traders Actually Get Paid
Crypto Fund Trader reports $21.27 million paid to traders since 2022 and $445,441 in the most recent month, and it goes further than most in publishing a Proof of Scholarship Reserves page refreshed daily at midnight UTC - showing $1,759,337 in its educational incentive reserve against $302,129 of current user performance when this review was written. That is more transparency than the sector norm, but it is self-reported: there are no wallet addresses to verify on-chain and no auditor attesting the figures. On mechanics, rewards are requestable after 15 traded days or every 30 calendar days, or every 7 traded days with the weekly add-on. Processing averages about 8 hours, with the firm reserving up to 48 business hours to review and send. KYC must be approved first, and all positions must be closed at the moment you request. Payment goes out by bank transfer in EUR or USD, or crypto as USDT on ERC-20 or TRC-20, Bitcoin or Ethereum. If a final stage account is suspended while in profit, the firm says a reward of up to 50% may still be payable where the conditions are met.
How to Pass Crypto Fund Trader's Challenge
Pick the route on the drawdown mechanic, because here the cheaper option is the riskier one - which is the reverse of most firms and the mistake worth avoiding. The 1-Phase costs less at every size and funds you faster, but it swaps the 2-Phase's static 10% floor for a 6% trailing drawdown that follows your highest balance until it locks at your starting balance. If you are prone to giving profit back, the 2-Phase's fixed 10% is a materially easier account to survive for about $40 more at $100,000. Once you are trading, the freedoms are real and worth using rather than fighting: there are no minimum trading days, so there is no reason to keep trading after you have hit the target, and no time limit, so there is no reason to force size to beat a clock. Model the daily limit against your balance at 12:05 AM UTC, since that is where it resets from and breaches are measured on equity, meaning open floating losses count. On the Bybit route, connect the API key once and leave it alone - editing or replacing it invalidates the account outright - and remember only USDT futures contracts count, so a spot or USDC trade is a wasted position at best. Then trade the evaluation as though the funded reset policy already applied to you: put a stop on every trade and keep risk under 2%. Those are exactly the two conditions that decide whether you are even allowed to buy a reset after a funded breach, and building the habit during the evaluation costs nothing.
Common Mistakes to Avoid
- ⚠Buying the 1-Phase because it is cheaper. It is cheaper because the 10% static floor becomes a 6% trailing one.
- ⚠Buying an Instant account expecting 80%. The ladder opens at 50% and only reaches 90% at the $80,000 level.
- ⚠Assuming a breach can be reset cheaply. There is no free reset, and the paid one costs about triple the challenge.
- ⚠Trading without a stop loss on a funded account. Doing so disqualifies you from buying a reset at all, regardless of price.
- ⚠Risking more than 2% on any single funded trade. That is the second disqualifying condition for a reset.
- ⚠Editing, deleting or replacing your Bybit API key mid-evaluation. It voids the account automatically.
- ⚠Trading spot, options or USDC pairs on the Bybit route. Only USDT crypto futures contracts count during the evaluation.
- ⚠Modelling the daily limit on closed trades. Breaches are measured on equity, so floating losses count against it.
- ⚠Planning a payout for week one. The first reward needs 15 traded days or 30 calendar days, and KYC must clear first.
- ⚠Reading the ~8 hour payout average as a guarantee. The firm reserves up to 48 business hours to review and send.
- ⚠Treating the "KYC Audit" badge as a financial audit. It is a listing verification from a crypto token directory.
How Crypto Fund Trader Compares
Crypto Fund Trader vs the forex specialists - FTMO, Hola Prime, FundingPips: none of them competes on crypto depth, and that is the whole case for CFT. If you trade currency pairs, FTMO refunds its 2-Step fee and has a readable rating, and Hola Prime pays inside an hour on a Deloitte-audited record; if you trade crypto futures on Bybit, neither firm offers anything comparable. Crypto Fund Trader vs BrightFunded: both take an 80%-ish split and neither has a Trustpilot score, but CFT pays the 80% flat while BrightFunded charges extra for 90% on top of an 80% base, and CFT's first reward comes at 15 traded days against BrightFunded's 30-day wait. CFT is also the older firm with more corporate disclosure. Crypto Fund Trader vs AquaFunded: AquaFunded is far cheaper at entry and pays faster with a $1,000 guarantee, but it carries a floating-loss rule that permanently closes Instant accounts and consistency rules on every route; CFT has neither, and offers Bybit. Against the futures specialists like Lucid Trading or Tradeify, there is no real comparison - different market entirely. The summary: buy Crypto Fund Trader for the crypto access and the genuinely permissive rulebook, on the 2-Phase route, and go in knowing a funded breach is expensive to undo.
Who Is Crypto Fund Trader Perfect For?
Crypto Traders
715+ crypto futures pairs on your own Bybit account, or 540+ crypto pairs on MT5 and Match-Trader - the deepest crypto access on this site.
Rule-Averse Traders
No consistency rule on the main routes, no minimum trading days, no time limit and no maximum lot size.
Fast Passers
With zero minimum trading days, an 8% Phase 1 target can be cleared and submitted in a single session.
Swing Traders
Overnight and weekend holding are permitted on every instrument and every account type, with no restriction.
US Traders
Match-Trader carries no country restrictions at all, and the Bybit route adds none from the firm's side.
Is Crypto Fund Trader Right for You?
✓ Best For
Crypto Fund Trader is the obvious choice if crypto is your actual market rather than a sideline. No other firm on this site lets you run the evaluation on your own Bybit account against 715+ crypto futures pairs with exchange-native execution and no swap fees, and the MT5 and Match-Trader routes still carry 540+ crypto pairs alongside forex, indices, commodities and stocks. It suits traders who have failed elsewhere on technicalities rather than on losses, because there is no consistency rule on the main routes, no minimum trading days, no time limit and no maximum lot size. It suits anyone who wants the advertised split to be the real split, since the flat 80% needs no add-on purchase. It suits swing traders, who can hold overnight and through the weekend on every instrument. And it suits US traders, who take the Match-Trader route that the firm says carries no country restrictions at all.
✗ Not Best For
Skip Crypto Fund Trader if you expect to breach and reset, because there is no free reset and the paid one costs roughly three times the challenge - $1,880 against $660 on a $100,000 account - and is only offered if every trade you placed carried a stop loss and none risked over 2%. Skip the Instant route unless you have read the ladder, since it opens at a 50% split and only reaches 90% after four double-ups. Skip it if you need money out quickly, because the first reward needs 15 traded days or 30 calendar days and there is no on-demand option without an add-on. Skip it if a readable public rating is part of how you choose, because Trustpilot has suspended this firm's score. And treat the Bybit route with care if you are not already comfortable managing API keys - editing, deleting or replacing the key voids the evaluation automatically, and anything Bybit does to your account is your problem rather than the firm's.
Frequently Asked Questions
Is Crypto Fund Trader legit?
The evidence here is better than at most young prop firms, with one significant gap. On the positive side, Crypto Fund Trader names a real legal entity in its footer - SWISS RLCRATES AG, registered as CHE-162.567.204 at Bahnhofstrasse 21 in Zug, Switzerland, with a second Spanish entity, RLCRATES S.L., handling the MT5 side. That register number is checkable. It runs three physical offices in Zug, Pamplona and Dubai with 50-plus staff, publishes a reserves page updated daily at midnight UTC, holds a partnership with Bybit, and sponsors the Spanish football club C.A. Osasuna. It reports $21.27 million paid to traders since launching in 2022. The gap is the same one AquaFunded and BrightFunded have: Trustpilot has suspended Crypto Fund Trader's rating and displays a warning that the rating is unavailable due to a breach of its guidelines, leaving 1,105 reviews with no score. Two other things deserve a caveat. The "KYC Audit" badge in the footer links to Coinscope, a crypto token directory, and is a listing verification rather than a financial audit. And the reserves figures are self-published by the firm rather than attested on-chain or by an auditor.
What is the Crypto Fund Trader profit split?
A flat 80% on the 1-Phase and 2-Phase final stage accounts, and that is the standard rate rather than something you buy. That distinction matters more than it sounds: BrightFunded, FunderPro, InstantFunding and E8 Markets all advertise 90% but sell it as a checkout add-on on top of an 80% base, so Crypto Fund Trader's plain 80% is closer to what those firms actually deliver at list price. The Instant route works differently and is worth reading carefully before buying - it starts at a 50% split on a $5,000 level and climbs the double-up ladder to 60% at $10,000, 70% at $20,000, 80% at $40,000 and 90% only from $80,000 upward, running all the way to $1,280,000. If you buy an Instant account expecting the 80% the rest of the site advertises, you will be on half your profits until you have doubled the account three times.
How fast does Crypto Fund Trader pay?
Processing averages around eight hours, but the firm reserves up to 48 business hours to review a request, verify the details and send the money - so budget for the longer figure rather than the average. The bigger constraint is eligibility: you can request a reward after 15 traded days, or alternatively every 30 calendar days, with the weekly add-on cutting that to every 7 traded days. There is no on-demand option on the standard routes, though Break accounts do pay on demand once the activation fee is paid. KYC must be completed and approved before any payout is processed, and every trade and pending order must be closed when you submit. Money moves by bank transfer in euros or dollars, or as crypto in USDT on ERC-20 or TRC-20, Bitcoin or Ethereum. One unusual provision: if a final stage account is suspended while holding profits, you may still be eligible for up to 50% of the reward, provided the conditions are met.
What is Crypto Fund Trader's drawdown?
It depends on the route, and unlike most firms the cheaper option here is the riskier one. The 2-Phase Evaluation runs a 5% daily loss limit and a maximum overall loss fixed at 10% of your initial balance - static, so the floor never moves. The 1-Phase Evaluation drops the daily limit to 4% and replaces the static floor with a 6% trailing drawdown calculated on your highest balance, which follows the account upward as it grows and then stops permanently once it reaches your initial balance. That lock is the important detail: it means the trailing period ends as soon as you are 6% up, after which the floor is your starting balance. Instant accounts use a 4% daily and 6% overall limit. In all cases breaches are measured on equity, and the daily limit resets from your account balance at 12:05 AM UTC.
Does Crypto Fund Trader accept US traders?
Yes, and the answer is unusually clean. The firm states that Match-Trader currently has no country restrictions at all, which is the route US residents take. MetaTrader 5 is not available to users residing in the United States. The Bybit route carries no additional country restrictions from Crypto Fund Trader either, but there you use your own personal Bybit account and are responsible for complying with Bybit's terms and whatever applies in your jurisdiction - the firm explicitly disclaims responsibility for any action Bybit takes against your account. Note that Crypto Fund Trader is a simulated-trading evaluation company, not a regulated broker, so US access is a company policy rather than a regulated arrangement.
Can I use my own Bybit account with Crypto Fund Trader?
Yes, and it is the firm's most distinctive feature. Instead of trading on a broker platform, you connect a Bybit sub-account and API key, and the evaluation runs on Bybit's own order book with more than 715 crypto futures pairs, exchange-native execution and no swap fees. Two restrictions apply. Only USDT crypto futures contracts count during the evaluation - spot trading, options, USDC pairs and any other instrument are prohibited. And once the API key and sub-account are connected they must not be edited, deleted or replaced: doing so automatically invalidates the evaluation account. If the key simply expires, the account is paused and marked pending until you supply a valid replacement. On Bybit you pay Bybit's native maker-taker fees, which Crypto Fund Trader does not mark up.
Does Crypto Fund Trader have a consistency rule?
Not on the routes most traders buy. The 1-Phase and 2-Phase evaluations and their final stage accounts carry no consistency requirement at all, alongside no minimum trading days, no time limit and no maximum lot size - which together make this one of the least restrictive rulebooks on the site. A 40% consistency rule does exist, but it applies only to Break Final Stage accounts: no single trading day may account for more than 40% of the account's total profits, checked when you request a reward. As at other firms, that delays a withdrawal rather than breaching the account - you keep trading until total profit is large enough that your best day falls below the threshold.
What happens if I breach a rule at Crypto Fund Trader?
The account is deactivated and you are notified by email, with no free reset. What the firm offers instead is a paid reset, and both the price and the eligibility test are worth knowing before you trade. To qualify, every trade on the breached final stage account must have carried a stop loss, and no individual trade may have risked more than 2% of the account size - both conditions, not either. If you qualify, you have 30 calendar days to buy the reset, and it costs substantially more than the original challenge: $180 for a $5,000 2-Phase account, $760 at $25,000, $1,880 at $100,000 and $3,620 at $200,000, against $58, $240, $660 and $1,250 to buy the challenge outright. In practice, unless you already trade with a stop on every position and size under 2%, a breach here means starting over at full price.
What does Crypto Fund Trader charge in commission?
On Match-Trader and MetaTrader 5: 0.0325% per side on crypto, 0.0005% per side on commodities, 0.002% per side on stocks, $2.50 per lot per side on forex and 0.005% per lot per side on indices. On the Bybit route you pay Bybit's own maker-taker fee schedule, which varies by pair and volume tier, and Crypto Fund Trader adds no markup on top. Leverage is up to 1:100 across instruments on the standard routes, though the Ascend product line runs much lower at 1:30 on forex and commodities, 1:20 on indices and 1:5 on crypto and stocks. Swap fees apply to CFD positions held overnight; the Bybit route has none.
Can I get a refund from Crypto Fund Trader?
Yes, within 14 days and without giving a reason - but only if you have not opened a single position on the demo account. Opening one position before the deadline automatically forfeits the right to withdraw from the contract. Refunds are returned through the payment method you used, within 14 days of the request, and you request one by emailing support. There is no fee-refund-on-passing scheme of the kind FTMO offers on its 2-Step or Hola Prime pays across four payouts, so the challenge fee is a genuine cost rather than a deposit you earn back.
How much capital can I manage at Crypto Fund Trader?
$300,000 is the ceiling on starting balances. The total initial balance across all your active final stage accounts must not exceed that, though profits you generate do not count toward the limit and can push the balance above it. There is no cap on how many evaluations you can buy or run at once, so the constraint binds only at the funded stage. Two product lines sit outside that ceiling: Ascend accounts are calculated separately from the standard allocation limit, and the Instant double-up ladder runs to $1,280,000 on its own scale.
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