Overview
LifeUp Trading is a South Korean futures firm - LifeUpTrading Inc., a registered Seoul company - and it is structured differently from every other firm on this site. It does not advertise a profit split at all. Instead it frames payouts as rewards for the trading data you generate, and controls what you take out through a per-request cap that rises with each payout cycle rather than through a percentage. On a $100,000 account you must reach $4,500 of profit before you can request anything, and the most you may withdraw on your first request is $1,700, rising to $2,300 by your fourth. The rest stays in the account. Around that sits a conventional futures evaluation on NinjaTrader, Tradovate and TradingView: $25,000 to $150,000, an end-of-day trailing drawdown that rises with new highs and locks permanently at your starting balance, and a choice of two plans. Basic is cheaper to enter but charges an activation fee once you pass, and pauses your account when you hit a daily loss limit rather than killing it. Expert costs more upfront, has no daily loss limit at all, and hands you the reward account free - which the firm states plainly makes it the cheaper route overall. The 55% LUT discount is real and sits on the site behind a live countdown clock. What you will not find is any independent reputation record: LifeUp has no Trustpilot profile, and its published trader interviews and payout proof are all in Korean.
Key Features
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LifeUp Trading Rules
Pricing Options
| Account Size | Price | Discount |
|---|---|---|
| $25,000 Expert | $71$158 | - |
| $50,000 Expert | $94$209 | - |
| $100,000 Expert | $125$278 | - |
| $150,000 Expert | $206$458 | - |
Prices verified 6 September 2026 for the Expert Plan with the LUT code applied, list price alongside. Expert is quoted here rather than Basic because it is the cheaper route once everything is counted, and LifeUp says so itself: the Basic Plan looks cheaper at checkout - $35, $45, $53 and $98 across the four sizes with the code - but charges an activation fee after you pass that the discount does not touch, at $89, $99, $119 and $149 respectively. A $100,000 Basic account therefore costs $53 plus $119, or $172 all-in, against $125 for the Expert. What Basic buys for that premium is a daily loss limit that pauses the account until the next session instead of ending it, which is a genuine safety net for a newer trader. The LUT code shows 55% off behind a live countdown clock on the site, so treat it as a running promotion rather than a standing code and check it is still live before budgeting. You may hold a maximum of 100 challenge accounts per month and five active reward accounts at once.
LifeUp Trading Discount Code: What Is Actually Available
The LUT code takes 55% off and it is displayed openly at the top of LifeUp's own site - but behind a live countdown clock, which at the time of writing showed just over a day remaining. Treat it as a running promotion that will be replaced rather than a standing code, and check what is live before budgeting around these prices. The discount applies to the challenge fee only. It explicitly does not apply to the Basic Plan's activation fee, which LifeUp states is never eligible for promotional discounts - so the $119 you pay to open a $100,000 Basic reward account is $119 regardless of what code is running. That exclusion is the main reason the Expert Plan works out cheaper overall despite the higher checkout price. With LUT applied, Expert runs $71, $94, $125 and $206 across the four account sizes, against list prices of $158 to $458.
Pros & Cons
Pros
- Expert Plan is genuinely cheap all-in - $125 for a $100,000 account with the code, no activation fee
- End-of-day trailing drawdown that rises with new highs and locks permanently at your starting balance
- You can pass the challenge in a single trading day - the minimum is one
- No consistency rule during the challenge phase at all
- On the Basic Plan, hitting the daily loss limit pauses the account until the next session rather than failing it
- The Expert Plan removes the daily loss limit entirely
- NinjaTrader, Tradovate and TradingView all provided free
- Copy trading across your own accounts is permitted, with the firm documenting how to do it safely
- A registered Korean company with a named CEO, business registration number and Seoul address
- Korean payouts run through the tax system with 3.3% withholding, which is evidence real money moves
- US traders accepted - the United States is not on the 120-country restricted list
- Payouts processed in around two business days, via PayPal
Cons
- No profit split is published anywhere - what you can take out is governed by per-request caps instead
- On a $100,000 account you need $4,500 profit but can withdraw only $1,700 on your first request
- Those caps only reach $2,300 by your fourth cycle; beyond that you are moved to a separate review
- The account is frozen while a payout is reviewed, for up to two business days
- No overnight holding - every position must be closed by 15:55 CT or you risk disqualification
- The Basic Plan's activation fee is excluded from the discount and is charged after you pass
- A 40% consistency rule and seven valid trading days apply before any reward can be requested
- The $100,000 maximum drawdown is $3,000 - tight by futures standards
- No Trustpilot profile at all, and the trader interviews and payout proof are Korean-only
- 120 countries are restricted, including Vietnam, Turkey, Ukraine, the Philippines and South Africa
- An account with no trades for 14 days goes on hold, and is deleted 14 days after that
- The firm's own tooltips contradict its pricing table on the consistency rule (30% vs 40%) and valid days (six vs seven)
Evaluation Process
LifeUp Trading has a clear, multi-phase evaluation process. Here's what to expect:
Challenge Account - Basic Plan
The lower-cost entry, aimed at newer traders. A 6% profit target across all four sizes, an end-of-day trailing drawdown of $1,000 to $4,500 by size, and a daily loss limit of $750 to $2,750 that pauses the account until the next session rather than failing it. One minimum trading day and no consistency rule, so it can be passed in a single session. The catch arrives after you pass: an activation fee of $89 to $149 to open the reward account, excluded from any promotional discount.
Challenge Account - Expert Plan
Identical targets, drawdowns and contract limits to Basic, with two differences that matter. There is no daily loss limit at all, so a single bad session can end the challenge but nothing pauses you mid-run. And the reward account is free once you pass, with no activation fee - which makes Expert the cheaper route overall despite the higher checkout price, as LifeUp states on its own comparison. Prices with the LUT code run $71 to $206.
Reward Account - the funded stage
The drawdown mechanics carry over unchanged. Before any payout you need seven valid trading days, a profit target on the reward account itself - $3,000 at $50,000, $4,500 at $100,000, $6,700 at $150,000 - and compliance with a 40% consistency rule. Positions must still be closed the same day, with the system auto-closing after 16:55 ET. You may hold up to five active reward accounts at once, and an account idle for 14 days goes on hold before deletion 14 days later.
Payouts & Caps
Requests are processed in around two business days by PayPal, with the account frozen for the duration of the review. What you can take is capped per request and rises by cycle: on a $100,000 account $1,700, $1,900, $2,100 and $2,300 across the first four payouts, and you withdraw in 20% steps of that cap. Profit above the cap stays in the account. From the fifth cycle the firm reviews the account individually for a live-funded allocation or extended payouts. The payout is deducted from the balance but the trailing drawdown level does not move down with it.
Company Background
LifeUp Trading is operated by LifeUpTrading Inc., a South Korean company with business registration number 612-86-02810, registered at 55 Seongsuil-ro 8-gil, Unit 707, Seongdong-gu, Seoul 04794, with Sunha Park named as CEO and a published landline. That level of corporate disclosure - registration number, named officer, physical address, phone - is more than most prop firms provide. The firm positions itself explicitly as a Korean business operating under Korean law, says it runs continuous legal reviews with a partner law firm, and frames its mission around Korea's retail investing culture. Its payouts are treated as business income for data-sharing services with a 3.3% withholding tax applied, and traders are told to include the income in the May comprehensive tax return - guidance written for Korean residents. The English site is a translation of a Korean-first operation: the payouts page, the trader interviews and the firm's blog presence on Naver are all Korean-language, with published interviews dating from 2025 onward describing rewards in the millions of won. Trading runs on NinjaTrader, Tradovate and TradingView, all provided free.
Is LifeUp Trading Legit?
LifeUp Trading is a real, registered company and the evidence for that is better than average - a Korean business registration number, a named CEO, a Seoul address, a landline, and payouts routed through the Korean tax system with 3.3% withholding. Firms inventing themselves do not usually arrange withholding tax. The published trader interviews are specific and dated, describing named traders receiving rewards over 2025 and 2026. What is genuinely absent is any reputation record you can check from outside Korea. LifeUp has no Trustpilot profile - not suspended like three other firms we reviewed this month, simply non-existent - and every piece of payout proof it offers is in Korean on its own properties. There is no independent English-language record of how it handles disputes. The commercial structure also deserves scrutiny rather than suspicion: with no published profit split and payouts governed by caps that only reach $2,300 per request by your fourth cycle on a $100,000 account, the firm keeps considerable discretion over how much of your simulated profit converts to cash, and the fifth cycle onward is decided case by case. None of that is hidden - LifeUp documents all of it clearly - but it is a materially different deal from a 90% split, and the price should be read in that light.
LifeUp Trading Payout Proof: How Traders Actually Get Paid
LifeUp publishes payout evidence, but almost all of it is Korean-language: dated interviews with named traders on its own site and Naver blog describing rewards from roughly 2.5 million to 40 million won, running from 2025 into 2026. There is no aggregate figure for total payouts, no third-party audit, and no Trustpilot profile to cross-check against. The mechanics are documented in detail, which counts for something. Payouts go out by PayPal in around two business days, gated by seven valid trading days on the reward account, a profit target for your size, and a 40% consistency rule. The account is frozen while the request is reviewed, for up to two business days. Amounts are capped per request and step up by cycle rather than by percentage - $1,700 to $2,300 across four cycles on a $100,000 account - with withdrawals taken in 20% increments of the cap. The one detail that works in the trader's favour: when a payout is deducted, the trailing drawdown level does not follow the balance down.
How to Pass LifeUp Trading's Challenge
The challenge here is genuinely easy to clear and the funded stage is where the work is, so plan for the second half rather than the first. A 6% target with a one-day minimum and no consistency rule means a single good session can pass you - but resist the temptation to do it in one trade, because the reward account then applies a 40% consistency rule and the habits that pass a challenge in one session are exactly the habits that block a payout later. Choose the plan on how you fail rather than on price: Expert has no daily loss limit, so one bad session can take the whole account, while Basic pauses you until the next session and lets you come back. Expert is still cheaper overall once the activation fee is counted, so Basic is a purchase you make for the safety net, not for the price. On the drawdown, remember it is calculated end-of-day on your closing balance and rises with new highs until it locks at your starting balance - so the first target is getting the floor to that lock, after which the account is much safer. Close everything before 15:55 CT; the auto-close exists but on early-closure days it is your responsibility. And keep the account active: 14 days without a trade puts it on hold, and 14 days after that it is deleted.
Common Mistakes to Avoid
- ⚠Buying the Basic Plan because it is cheaper at checkout. The activation fee after you pass makes it more expensive than Expert overall.
- ⚠Expecting a profit split. There is none - what you can withdraw is set by a per-request cap that rises by cycle.
- ⚠Planning around a large first payout. On a $100,000 account you need $4,500 of profit but can take only $1,700.
- ⚠Holding a position overnight. Nothing may carry into the next session, and the system force-closes at 16:55 ET.
- ⚠Forgetting to close manually on early-closure days. LifeUp puts the responsibility for that on the trader.
- ⚠Passing the challenge in one huge trade. The reward account's 40% consistency rule then blocks your payout.
- ⚠Assuming the challenge's zero consistency rule carries over. It applies to the challenge only; the reward account is 40%.
- ⚠Submitting a payout request and expecting to keep trading. The account is frozen for up to two business days during review.
- ⚠Letting an account sit idle. Fourteen days without a trade puts it on hold, and deletion follows 14 days later.
- ⚠Budgeting around the 55% code. It sits behind a countdown clock and the activation fee is excluded from it either way.
How LifeUp Trading Compares
LifeUp Trading vs Topstep or Apex Trader Funding: all three run end-of-day trailing drawdowns of roughly $3,000 on a $100,000 account, but Topstep and Apex publish real profit splits - 90% and 100% respectively - and years of public payout record, where LifeUp publishes neither. LifeUp is cheaper to enter and faster to pass; the others are far more transparent about what you keep. LifeUp vs Traders Launch or Funded Futures Family: the closest comparisons on price, and both of those pay a stated split (55-80% and a flat 90%) rather than capping requests, which makes them the better choice if you expect to withdraw regularly. LifeUp vs Lucid Trading or Tradeify: not really a contest on payouts - Lucid processes in around 15 minutes on a 90% split against LifeUp's two business days, capped, with the account frozen meanwhile. Where LifeUp genuinely competes is total cost and failure mode: $125 all-in for a $100,000 Expert account is very cheap, and the Basic Plan's pause-instead-of-fail daily limit is gentler than anything the US futures firms offer. The summary: buy LifeUp as a low-cost, fast evaluation with a soft failure mode, not as a route to large or frequent withdrawals.
Who Is LifeUp Trading Perfect For?
Budget Futures Traders
$125 all-in for a $100,000 Expert account with the code - no activation fee, no monthly billing, and the platforms are free.
Fast Passers
A 6% target with a one-day minimum and no consistency rule during the challenge means a single session can clear it.
Risk-Averse Beginners
The Basic Plan's daily loss limit pauses the account until the next session instead of failing the challenge outright.
Intraday Day Traders
Positions must close the same session anyway, so the no-overnight rule costs a pure day trader nothing.
Korean-Speaking Traders
A Seoul-registered company with Korean support, Korean tax handling and a Korean-language interview and payout record.
Is LifeUp Trading Right for You?
✓ Best For
LifeUp Trading suits traders who want a cheap, fast futures evaluation and are not in a hurry to withdraw large sums. The Expert Plan at $125 all-in for a $100,000 account is among the lowest total costs on this site, with no activation fee and no monthly billing, and the challenge can be passed in a single trading day since the minimum is one and there is no consistency rule until you are funded. It suits day traders specifically, since positions must close the same session anyway. It suits traders who value a trailing drawdown that locks at the starting balance rather than following you forever. And the Basic Plan suits a newer trader who wants a circuit breaker: hitting the daily loss limit pauses the account until the next session instead of ending the challenge, which is a meaningfully gentler failure mode than most firms offer.
✗ Not Best For
Skip LifeUp if your goal is to withdraw serious money quickly. On a $100,000 account you must generate $4,500 before requesting anything and can then take out $1,700, with the cap only reaching $2,300 by your fourth cycle and everything beyond that decided case by case. Skip it if you hold positions overnight, because nothing may be carried into the next session and the system force-closes at 16:55 ET. Skip it if an independent reputation record matters to you, because there is no Trustpilot profile and every piece of payout proof is Korean-language. Skip the Basic Plan unless you specifically want the daily-loss circuit breaker, since the activation fee makes it more expensive overall than Expert. And check the restricted list before buying: 120 countries are excluded, including several - Vietnam, Turkey, the Philippines, South Africa, Romania - that most prop firms accept.
Frequently Asked Questions
Is LifeUp Trading legit?
LifeUp Trading is a properly registered South Korean business and unusually transparent about it: the footer names LifeUpTrading Inc., business registration number 612-86-02810, CEO Sunha Park, an address at 55 Seongsuil-ro 8-gil, Seongdong-gu, Seoul, and a landline. The detail that carries the most weight is the tax handling - LifeUp treats payouts as business income for data-sharing services and applies a 3.3% Korean withholding tax, telling traders to include it in their May comprehensive return. A firm that runs payouts through a national tax system is moving real money through real books, which is stronger evidence than most prop firms offer. What is missing is any independent reputation record readable from outside Korea. LifeUp has no Trustpilot profile at all - not a suspended one, simply none - and its payout proof consists of Korean-language trader interviews on its own site and Naver blog, dated from 2025 onward. If you cannot read Korean, you are buying on the firm's own documentation and its corporate registration rather than on third-party review evidence.
What is the LifeUp Trading profit split?
There isn't one, and that is the single most important thing to understand before buying. LifeUp does not publish a percentage split anywhere in its rules. It describes payouts as rewards for the trading data you provide, and controls the amount through a cap per request that steps up with each payout cycle. On a $100,000 reward account you must first reach $4,500 in profit to become eligible, and then the most you can withdraw is $1,700 on your first request, $1,900 on the second, $2,100 on the third and $2,300 on the fourth. The equivalents are $3,000 profit and $1,300-$1,900 caps on a $50,000 account, and $6,700 profit with $2,100-$2,700 caps on a $150,000. Profit above the cap stays in the account rather than being forfeited, and you can withdraw in 20% increments of your cap. From the fifth cycle onward the firm says accounts move to a live-account evaluation or extended payouts, decided case by case at LifeUp's discretion.
How fast does LifeUp Trading pay?
Around two business days from request to payment, via PayPal, which is reasonable. The gates in front of it are the harder part. You need seven valid trading days on the reward account, you need to have reached the profit target for your account size, and no single day's profit may exceed 40% of your total profit. When you submit the request the account is frozen and stays frozen until the review completes - up to two business days, with weekends and holidays rolling to the next business day - so you cannot trade while you wait. After approval the payout is deducted from your balance, and the trailing drawdown level does not move down with it: on a $100,000 account that grew to $104,000 the loss limit sits at $100,000, and withdrawing $1,500 leaves the balance at $102,500 with the limit still at $100,000.
What is LifeUp Trading's drawdown?
An end-of-day trailing drawdown, which is the standard futures mechanic and the trader-friendly version of trailing. It rises as you set new equity highs, never falls, and caps permanently at your initial balance - so once you are up by the drawdown amount, the floor is your starting balance and stays there. It is recalculated at the market close on your end-of-day balance for both plans. The amounts are $1,000 on a $25,000 account, $2,000 on $50,000, $3,000 on $100,000 and $4,500 on $150,000, which is tight: $3,000 on a $100,000 account is 3%, matching Topstep and Apex but well behind firms offering 6% or more. The daily loss limit is where the two plans separate. Basic carries one - $750, $1,250, $1,750 and $2,750 by size - and hitting it pauses your account until the next session rather than failing it. Expert has no daily loss limit at all, which is more freedom and more rope.
Should I buy the Basic Plan or the Expert Plan?
LifeUp answers this itself, and honestly: the Expert Plan is cheaper overall. Basic looks cheaper at checkout - $53 against $125 for a $100,000 account with the LUT code - but it charges an activation fee once you pass, $119 at that size, and the firm states that reward accounts are not eligible for promotional discounts, so the total is $172 against Expert's $125. What Basic actually buys is risk management: a daily loss limit that pauses trading until the next session instead of ending the challenge, which is a real safety net if you are prone to one bad day. Expert removes that limit, so a single session can end the account, but gives you the reward account free. The profit targets, drawdowns and contract limits are identical between the two.
Does LifeUp Trading accept US traders?
Yes. LifeUp publishes a restricted list of roughly 120 countries and the United States is not on it. The list is long and unusual in its composition, covering Vietnam, Turkey, Ukraine, the Philippines, Pakistan, South Africa, Kazakhstan, Romania, Bulgaria, Croatia, Malta and Serbia alongside the sanctions-driven entries you would expect. Check it before buying if you are outside the US, Korea or Western Europe, because several countries that most prop firms accept are excluded here. Note also that the payout tax guidance on the site is written for Korean residents - the 3.3% withholding and the May filing deadline are Korean rules - so a US trader should expect to handle the tax treatment themselves.
What are LifeUp Trading's trading rules?
Trading runs from 18:00 to 16:55 ET the following day, and the defining restriction is that no position may be held overnight - everything must be closed within the same trading day, with the system auto-closing open positions after 16:55 ET. On early-closure days you must close manually and the firm places the responsibility on you. Contract limits scale with size: 2 mini or 20 micro at $25,000, rising to 8 mini or 80 micro at $150,000. Prohibited conduct covers hedging across accounts with opposite positions in the same product, revenge trading with oversized positions after a loss, account sharing or proxy trading, gambling-style all-in trades without stops, trading only around news events, high-frequency scalping bots, and unapproved third-party software. There is also a discretionary clause: trading patterns that could not be replicated consistently in live markets may be judged exploitative if they generate 50% or more of your cumulative profit. Copy trading across your own accounts is allowed, and LifeUp documents how to avoid triggering the opposite-direction rule when doing it.
How long does it take to pass a LifeUp Trading challenge?
Potentially one day. The minimum trading days to pass is one, and there is no consistency rule during the challenge phase, so a single session that reaches the profit target completes it - $1,500 on a $25,000 account, $3,000 on $50,000, $6,000 on $100,000 and $9,000 on $150,000. That is a 6% target on every size. The pace changes once you are funded: the reward account requires seven valid trading days and a 40% consistency rule before you can request anything. Be aware of the dormancy policy in both phases - an account with no trades for 14 days is placed on hold, and if you do not submit a recovery request within 14 days of that, the account is deleted.
What does LifeUp Trading cost in total?
With the LUT code, the Expert Plan runs $71, $94, $125 and $206 for the $25,000, $50,000, $100,000 and $150,000 accounts, with nothing further to pay - the reward account is free once you pass. The Basic Plan is $35, $45, $53 and $98 at checkout, but adds an activation fee of $89, $99, $119 or $149 after you pass, and that fee is explicitly excluded from promotional discounts. List prices without the code are $158 to $458 for Expert and $78 to $218 for Basic. The platforms - NinjaTrader, Tradovate and TradingView - are provided free, which removes a cost several futures firms pass on. The 55% discount sits behind a live countdown on the site, so verify it is still running before you rely on these figures.
What is LifeUp Trading's consistency rule?
40% on the reward account, and none at all during the challenge. Once funded, no single trading day's profit may equal or exceed 40% of your total profit if you want to remain eligible for a payout - the standard mechanism, which delays a withdrawal rather than breaching the account. One thing to be aware of: LifeUp's own pricing table and its tooltips disagree. The table states a 40% consistency rule and seven valid trading days, while the tooltip on the same page describes a 30% cap and six profitable days. The trading rules page confirms 40% and seven days, so treat those as the operative figures, but it is the kind of inconsistency worth confirming with support before you plan around it.
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