Last verified: July 14, 2026 against fundednext.com and its official help centers. FundedNext runs four CFD models (Stellar 1-Step, 2-Step, Lite, Instant) plus four futures models. US traders are accepted — with two catches almost no review mentions: US clients can only use Match-Trader (no MT4/MT5), and the famous 15% challenge-phase reward is not available to US-based clients (source).
CFD models at a glance
| Rule | Stellar 1-Step | Stellar 2-Step | Stellar Lite | Stellar Instant |
|---|---|---|---|---|
| Targets | 10% | 8% / 5% | 8% / 4% | none |
| Daily loss | 3% | 5% | 4% | none |
| Max loss | 6% static | 10% static | 8% static | 6% trailing (profit-only ratchet, locks at start) |
| Min days | 2 | 5 per phase | 5 per phase | none |
| 50K price (Jul 14) | $232.49 | $202.49 | $172.49 | n/a (2K–20K only: $45–$450) |
| Split | 80% → 90% via Scale-Up → “95%” as a paid add-on | 70%, 80% from tier 3 | ||
| First payout | 5 business days | 21 days | 21 days | on-demand at 1% growth |
| Fee refund | 3rd reward | 1st reward | 3rd reward | not refundable |
Sources: 1-Step rules · 2-Step rules · Lite rules · Instant limits. Promo codes were active at verification (NEW25, RAPID50) — prices above are the discounted checkout prices we observed.
The fine print that matters
- The 15% challenge reward is 15% of the profit target, not your actual profit — and for accounts bought after January 12, 2026 it only unlocks after meeting Scale-Up criteria. Lite accounts and US clients get nothing.
- Rules changed quietly on 2026-01-12 — Scale-Up criteria and the 15%-reward unlock now depend on your purchase date. Two traders with identical accounts can be under different rules.
- The add-on economy: “up to 95% split” is a paid add-on (“Lifetime Reward 95%”), no-minimum-days costs +25%, swap-free +10%, Lite’s gentler 10% drawdown is also paid. Sticker-price comparisons across firms miss this.
- Funded news rule: profits from trades within ±5 minutes of high-impact news count at only 40%; losses count in full. Challenge phase is unrestricted.
- Funded risk cap: max 3% open risk at any time; second violation permanently drops you to 1%.
- Payouts: ‘99.99% within 24 hours’ claim with a ‘$1,000 if late’ guarantee; USDT/USDC, RiseWorks (up to 3.5% fee). Scale-Up: +40% balance per qualifying 4 months, to $4M.
Futures side (NinjaTrader/Tradovate/TradingView, all EOD-trailing drawdown): Rapid, Flex, Bolt, Legacy — 50K evals from $69.99 (Flex) with 90%+ splits but per-cycle payout caps ($1,200–$2,500). Full details in our dataset; a dedicated futures comparison is coming.