Moneta Funded
Disqualifier withdrawn. Three of its plans are static outright and the two trailing ones stop: the trailing halts once the maximum loss level reaches the original starting balance, and from there the level is fixed and never climbs again. Its worked example makes it concrete — at $115,000 the level would have been $107,000, but the drawdown cannot exceed the starting balance, so it stays at $100,000. Both readings are ours; the page they came from is not one we have been able to save.
One correction worth making loudly, because most review sites get it backwards: Moneta Funded is not the regulated broker Moneta Markets. It is Moneta Funded Ltd, a St Lucia IBC registered 2025-00532, and its own footer states "Moneta Funded does not operate as a broker and does not provide brokerage or financial services." The regulated FSCA, FCA and Mauritius licences belong to separate Moneta Markets companies, including a different St Lucia entity with a different registration number. The name similarity is doing work the corporate structure does not support. Its consistency rule applies only to Instant Funding and only delays.
Not enough published data to simulate this firm’s floor.
No disqualifier applies, and there is a plan here worth trading — but something real is wrong, and we name it. Read the reservation before you pay.
What they published
“Moneta Funded does not operate as a broker and does not provide brokerage or financial services.”Scorecard
15Trails on daily closes only, then freezes at your starting balance
The group holds a real licence, but you contract offshore
Workable, but a cap or a waiting period bites
Overstates size or speed, but costs you nothing
Established, with a normal review profile
Each axis is scored 0–5 against a published scale. The line under each bar is the rung this firm landed on — not our summary of it, the scale entry itself.
Plan by plan
6 of this firm’s challenges were read plan by plan, with a citation behind every answer. See them side by side →
6% static drawdown, and the firm's own drawdown article lists it under "Static Drawdown" without qualification.
8% or 10% static depending on the add-on chosen. No consistency rule applies.
6% static. Listed as static in both the help centre and the public rules page.
8% trailing on "balance or equity, whichever is higher", freezing permanently at the starting balance. First payout on demand, then every 14 days.
5% trailing with the same freeze. This is the one plan carrying a consistency rule, and you pick its tier at purchase — a 15% ceiling pays 60%, a 20% ceiling pays 88%.
A fixed dollar max loss over a 1–8 hour window, paying 100%. Worth knowing that Moneta never classifies it: every one of its three drawdown pages enumerates the other five plans and omits Sprint entirely.
Trustpilot
What this firm published
Everything below is quoted from a page we opened, on the date shown. The quotes are in the firm’s own language, exactly as published — never edited, never shortened, never swapped for a translation. On the Spanish edition our own rendering appears underneath each one, unquoted and marked as ours: the quotation marks on this site mean the words are the firm’s, and nothing we wrote ever wears them. Where we have not read enough to put a number on an axis, we say so instead of guessing.
2/5
Can you even pass?
Almost nobody who pays for an evaluation ever reaches a funded account, so this is the part of the product most customers actually buy. Every firm advertises its profit target; none of them advertises that target next to how much you are allowed to lose while chasing it.
2/5
Can you keep the money?
The drawdown takes the account away; the payout rules take the money. Answered by whichever of the two we can measure and is worse — they are two ways of losing the same thing, so a good half cannot pay for a bad one.
3/5
Is anyone behind it?
A named company, a market, and rules you could read before paying. These three do not substitute for one another — a company you can sue does not stop existing because the account is a simulation — so this is the average of the ones we could measure, not the worst.
How hard the test is
Not the profit target on the sales page — that target measured against the room you are given to reach it.
How much you must win to survivefor every $1 you are allowed to lose, you must make $1.70.80/8
“Profit Target 10%”A profit target only means something next to the room you are given to reach it. Ten per cent to make against ten to lose is a coin flip sold as an exam.
Days you have to finishThey state there is none.we did not read this stage3/3
“No Time Limit”A deadline turns a test of skill into a test of whether the market happened to move during your month.
Trading days you must put in3 daysno change2/2
“Minimum Profitable Days (0,5%) 3 Days”Cuts both ways: it costs you time, and it also stops an account passing on one lucky afternoon you could never repeat.
A second attempt costsThey do not say.0/2
we read the page that should answer this and it does not
A free second attempt turns one bad week into a delay instead of another invoice.
Profit target10%we did not read this stage—
“Profit Target 10%”Maximum loss
The loss limit that closes your account. Does it sit still, or does it climb behind you as you win?
What makes the loss limit riseThey state there is none.no change3/3
“Max Loss (Static) 6%”A limit that climbs takes back the cushion you already earned.
What the limit is measured againstThey do not say.no change0/2
we read the page that should answer this and it does not
Decides whether a trade that dips and recovers can close an account that ended the day green.
What taking a payout does to the limitThey do not say.0/2
we read the page that should answer this and it does not
Taking your money out should not leave you closer to losing the account.
Daily limit3%, measured on live equity, open trades includedno change0.60/2
“Daily Loss 3%”A generous percentage measured on live equity is not generous — it is the same number with a trapdoor under it.
Total loss allowed6%no change0.50/1
“Max Loss (Static) 6%”How much room you have. Worth little, because almost every firm offers the same.
Where the limit stops risingNo such thing in this plan.—
“Max Loss (Static) 6%”The difference between a danger with an end date and one that never ends.
Withdrawing
How much can leave the account, how soon, how often — and whether they can say no.
Withdrawals before the account endsThey publish no ceiling.3/3
we read the page that should answer this and it does not
The cap per withdrawal times how many they allow is the real size of the account. One plan here is sold on a $200,000 banner and closes after five withdrawals of $2,100.
What else a payout changesThey do not say.0/3
we read the page that should answer this and it does not
The floor is not the only thing a withdrawal moves, and the rest of it is never on the same page. Position size, the consistency rule and the share you are paid all reset or shift at some firms, and a trader who checked only the drawdown finds out afterwards.
What breaking the consistency rule costsThey state there is none.no change3/3
“1-Step Evaluation One phase to get funded. Faster, accuracy-driven path.”Weighted by what it costs, not by existing: reading plan by plan, no consistency rule ever closed an account — they postponed the withdrawal.
Can it refuse without giving a reasonyes — it reserves that right in writing0/3
“If Moneta Funded determines, in its sole discretion, that you have engaged in any Prohibited Conduct under Clause 5.2 or otherwise breached the Program Rules, Moneta Funded may delay, reduce, deduct from, refuse, cancel, or void any Payout request, whether pending or future.”“We may decline for any reason” is not a rule, it is the absence of one — it makes every other number on this axis conditional on goodwill.
Days before you can ask for money14 days2/2
“Payout Frequency 14 days”How long your money is theirs.
Most one withdrawal can pay youThey do not say.0/2
we read the page that should answer this and it does not
$2,000 is generous on a $25K account and a joke on a $200K one, so it is measured as a share and at the worst size sold.
Profit required before the first requestThey do not say.0/1
we read the page that should answer this and it does not
How much you have to make before you can touch anything.
Fee charged to pay you$200.50/1
“International bank wire transfers may attract a minimum fee of 20 units of your trading account base currency (e.g. 20 USD). This fee will be deducted from the Payout amount prior to transfer.”What they charge you to pay you.
Does that cap rise with the account
How you may trade
Can you trade the way you actually trade — around the news, over the weekend, at the size and speed you use?
Restriction around the newsyou may not open around a releaseno change—
“h) "News Trading": Placing trades immediately before or during the release of high-impact macroeconomic news events.”Mandatory stop-lossThey do not say.no change—
we read the page that should answer this and it does not
Minimum time a trade must be heldThey do not say.no change—
we read the page that should answer this and it does not
Forced close before the weekendThey state there is none.no change—
“Hold overnight/over-weekend allowed”Leverage1:30by instrument
no change—
by instrument
“Leverage: Up to 1:30”Limit on position sizeThey do not say.no change—
we read the page that should answer this and it does not
No score here, on purpose. The six axes above ask whether the firm can take your money or refuse to pay it. These rules ask something else — whether you can trade your way — and the right weight depends on who is reading: a minimum holding time decides the account for a scalper and is invisible to anyone else, while the weekend rule is the reverse. A single number would be wrong for half of you, and would look decided. The firm’s own sentences are here; the judgement is yours.
How hard the test is
Not the profit target on the sales page — that target measured against the room you are given to reach it.
How much you must win to survivefor every $1 you are allowed to lose, you must make $1.32.40/8
“Profit Target 10%”A profit target only means something next to the room you are given to reach it. Ten per cent to make against ten to lose is a coin flip sold as an exam.
Days you have to finishThey state there is none.no changewe did not read this stage3/3
“No Time Limit”A deadline turns a test of skill into a test of whether the market happened to move during your month.
Trading days you must put in3 daysno changeno change2/2
“Minimum Profitable Days (0,5%) 3 Days”Cuts both ways: it costs you time, and it also stops an account passing on one lucky afternoon you could never repeat.
A second attempt costsThey do not say.0/2
we read the page that should answer this and it does not
A free second attempt turns one bad week into a delay instead of another invoice.
Profit target5%10%we did not read this stage—
“Profit Target 5%”“Profit Target 10%”Maximum loss
The loss limit that closes your account. Does it sit still, or does it climb behind you as you win?
What makes the loss limit riseThey state there is none.no changeno change3/3
“Max Loss (Static) 8%”A limit that climbs takes back the cushion you already earned.
What the limit is measured againstThey do not say.no changeno change0/2
we read the page that should answer this and it does not
Decides whether a trade that dips and recovers can close an account that ended the day green.
What taking a payout does to the limitThey do not say.0/2
we read the page that should answer this and it does not
Taking your money out should not leave you closer to losing the account.
Daily limit4%, measured on live equity, open trades includedno changeno change0.96/2
“Daily Loss 4%”A generous percentage measured on live equity is not generous — it is the same number with a trapdoor under it.
Total loss allowed8%no changeno change0.80/1
“Max Loss (Static) 8%”How much room you have. Worth little, because almost every firm offers the same.
Where the limit stops risingNo such thing in this plan.—
“Max Loss (Static) 8%”The difference between a danger with an end date and one that never ends.
Withdrawing
How much can leave the account, how soon, how often — and whether they can say no.
Withdrawals before the account endsThey publish no ceiling.3/3
we read the page that should answer this and it does not
The cap per withdrawal times how many they allow is the real size of the account. One plan here is sold on a $200,000 banner and closes after five withdrawals of $2,100.
What else a payout changesThey do not say.0/3
we read the page that should answer this and it does not
The floor is not the only thing a withdrawal moves, and the rest of it is never on the same page. Position size, the consistency rule and the share you are paid all reset or shift at some firms, and a trader who checked only the drawdown finds out afterwards.
What breaking the consistency rule costsThey state there is none.no changeno change3/3
“2-Step Evaluation The industry’s flagship program for proven performance.”Weighted by what it costs, not by existing: reading plan by plan, no consistency rule ever closed an account — they postponed the withdrawal.
Can it refuse without giving a reasonyes — it reserves that right in writing0/3
“If Moneta Funded determines, in its sole discretion, that you have engaged in any Prohibited Conduct under Clause 5.2 or otherwise breached the Program Rules, Moneta Funded may delay, reduce, deduct from, refuse, cancel, or void any Payout request, whether pending or future.”“We may decline for any reason” is not a rule, it is the absence of one — it makes every other number on this axis conditional on goodwill.
Days before you can ask for money14 days2/2
“Payout Frequency 14-days”How long your money is theirs.
Most one withdrawal can pay youThey do not say.0/2
we read the page that should answer this and it does not
$2,000 is generous on a $25K account and a joke on a $200K one, so it is measured as a share and at the worst size sold.
Profit required before the first requestThey do not say.0/1
we read the page that should answer this and it does not
How much you have to make before you can touch anything.
Fee charged to pay you$200.50/1
“International bank wire transfers may attract a minimum fee of 20 units of your trading account base currency (e.g. 20 USD). This fee will be deducted from the Payout amount prior to transfer.”What they charge you to pay you.
Does that cap rise with the account
How you may trade
Can you trade the way you actually trade — around the news, over the weekend, at the size and speed you use?
Restriction around the newsyou may not open around a releaseno changeno change—
“h) "News Trading": Placing trades immediately before or during the release of high-impact macroeconomic news events.”Mandatory stop-lossThey do not say.no changeno change—
we read the page that should answer this and it does not
Minimum time a trade must be heldThey do not say.no changeno change—
we read the page that should answer this and it does not
Forced close before the weekendThey state there is none.no changeno change—
“Hold overnight/over-weekend allowed”Leverage1:100by instrument
no changeno change—
by instrument
“Leverage: Up to 1:100”Limit on position sizeThey do not say.no changeno change—
we read the page that should answer this and it does not
No score here, on purpose. The six axes above ask whether the firm can take your money or refuse to pay it. These rules ask something else — whether you can trade your way — and the right weight depends on who is reading: a minimum holding time decides the account for a scalper and is invisible to anyone else, while the weekend rule is the reverse. A single number would be wrong for half of you, and would look decided. The firm’s own sentences are here; the judgement is yours.
How hard the test is
we did not read enough to sayNot the profit target on the sales page — that target measured against the room you are given to reach it.
Days you have to finishThey state there is none.3/3
“No Time Limit”A deadline turns a test of skill into a test of whether the market happened to move during your month.
Trading days you must put in3 days2/2
“Minimum Profitable Days (0,5%) 3 (≥0.5% each)”Cuts both ways: it costs you time, and it also stops an account passing on one lucky afternoon you could never repeat.
A second attempt costsNo such thing in this plan.—
“Phoenix Instant Funded from day one. Static drawdown and No consistency. Scale your account to 2M.”A free second attempt turns one bad week into a delay instead of another invoice.
Below 60% read we publish no number at all, because a grade computed from two facts out of six is not a lenient grade — it is a different measurement wearing the same label.
How much you must win to survive · Profit target
Maximum loss
The loss limit that closes your account. Does it sit still, or does it climb behind you as you win?
What makes the loss limit riseThey state there is none.3/3
“Max Loss (Static) 6%”A limit that climbs takes back the cushion you already earned.
What the limit is measured againstThey do not say.0/2
we read the page that should answer this and it does not
Decides whether a trade that dips and recovers can close an account that ended the day green.
What taking a payout does to the limitThey do not say.0/2
we read the page that should answer this and it does not
Taking your money out should not leave you closer to losing the account.
Daily limit3%, measured on live equity, open trades included0.60/2
“Daily Loss 3%”A generous percentage measured on live equity is not generous — it is the same number with a trapdoor under it.
Total loss allowed6%0.50/1
“Max Loss (Static) 6%”How much room you have. Worth little, because almost every firm offers the same.
Where the limit stops risingNo such thing in this plan.—
“Max Loss (Static) 6%”The difference between a danger with an end date and one that never ends.
Withdrawing
How much can leave the account, how soon, how often — and whether they can say no.
Withdrawals before the account endsThey publish no ceiling.3/3
we read the page that should answer this and it does not
The cap per withdrawal times how many they allow is the real size of the account. One plan here is sold on a $200,000 banner and closes after five withdrawals of $2,100.
What else a payout changesThey do not say.0/3
we read the page that should answer this and it does not
The floor is not the only thing a withdrawal moves, and the rest of it is never on the same page. Position size, the consistency rule and the share you are paid all reset or shift at some firms, and a trader who checked only the drawdown finds out afterwards.
What breaking the consistency rule costsThey state there is none.3/3
“Phoenix Instant Funded from day one. Static drawdown and No consistency. Scale your account to 2M.”Weighted by what it costs, not by existing: reading plan by plan, no consistency rule ever closed an account — they postponed the withdrawal.
Can it refuse without giving a reasonyes — it reserves that right in writing0/3
“If Moneta Funded determines, in its sole discretion, that you have engaged in any Prohibited Conduct under Clause 5.2 or otherwise breached the Program Rules, Moneta Funded may delay, reduce, deduct from, refuse, cancel, or void any Payout request, whether pending or future.”“We may decline for any reason” is not a rule, it is the absence of one — it makes every other number on this axis conditional on goodwill.
Days before you can ask for money14 days2/2
“Payout Frequency Every 14 days”How long your money is theirs.
Most one withdrawal can pay youThey do not say.0/2
we read the page that should answer this and it does not
$2,000 is generous on a $25K account and a joke on a $200K one, so it is measured as a share and at the worst size sold.
Does that cap rise with the accountThey do not say.0/2
we read the page that should answer this and it does not
Profit required before the first requestThey do not say.0/1
we read the page that should answer this and it does not
How much you have to make before you can touch anything.
Fee charged to pay you$200.50/1
“International bank wire transfers may attract a minimum fee of 20 units of your trading account base currency (e.g. 20 USD). This fee will be deducted from the Payout amount prior to transfer.”What they charge you to pay you.
How you may trade
Can you trade the way you actually trade — around the news, over the weekend, at the size and speed you use?
Restriction around the newsyou may not open around a release—
“h) "News Trading": Placing trades immediately before or during the release of high-impact macroeconomic news events.”Mandatory stop-lossThey do not say.—
we read the page that should answer this and it does not
Minimum time a trade must be heldThey do not say.—
we read the page that should answer this and it does not
Forced close before the weekendThey state there is none.—
“Hold overnight/over-weekend allowed”Leverage1:30by instrument
—
by instrument
“Leverage: Up to 1:30”Limit on position sizeThey do not say.—
we read the page that should answer this and it does not
No score here, on purpose. The six axes above ask whether the firm can take your money or refuse to pay it. These rules ask something else — whether you can trade your way — and the right weight depends on who is reading: a minimum holding time decides the account for a scalper and is invisible to anyone else, while the weekend rule is the reverse. A single number would be wrong for half of you, and would look decided. The firm’s own sentences are here; the judgement is yours.
How it grows
What makes the account get bigger, how big it can get, and whether the path ends at a real market or at a larger simulation.
What makes the account growprofit—
“Scale-up threshold 10%”How large it can get$2,000,000—
“Scale your account to 2M.”Where the path endsat a larger simulation—
“3.3. The Programs do not permit users (at any time) to execute trades in real financial markets with real funds.”One of these questions is scored and it is not here. “Does the cap rise with the account” sits on the cash axis, next to the cap itself, because it has a right answer: a bigger account that pays the same cheque has handed you a larger number and the same money. The three below are different. A two-million ceiling is the whole point of the product for one reader and irrelevant to someone who wants one clean payout, so the firm’s sentences are here and the weight is yours.
How hard the test is
we did not read enough to sayNot the profit target on the sales page — that target measured against the room you are given to reach it.
Days you have to finishThey state there is none.3/3
“No Time Limit”A deadline turns a test of skill into a test of whether the market happened to move during your month.
A second attempt costsNo such thing in this plan.—
“Instant Funding Pro Funded from day one.”A free second attempt turns one bad week into a delay instead of another invoice.
Below 60% read we publish no number at all, because a grade computed from two facts out of six is not a lenient grade — it is a different measurement wearing the same label.
How much you must win to survive · Profit target · Trading days you must put in
Maximum loss
The loss limit that closes your account. Does it sit still, or does it climb behind you as you win?
What makes the loss limit riseit rises tick by tick, while you trade0.75/3
“Max Loss (trailing lock) 8%”A limit that climbs takes back the cushion you already earned.
Where the limit stops risingThey do not say.0/3
we read the page that should answer this and it does not
The difference between a danger with an end date and one that never ends.
What the limit is measured againstThey do not say.0/2
we read the page that should answer this and it does not
Decides whether a trade that dips and recovers can close an account that ended the day green.
What taking a payout does to the limitThey do not say.0/2
we read the page that should answer this and it does not
Taking your money out should not leave you closer to losing the account.
Daily limit4%, measured on live equity, open trades included0.96/2
“Daily Loss 4%”A generous percentage measured on live equity is not generous — it is the same number with a trapdoor under it.
Total loss allowed8%0.80/1
“Max Loss (trailing lock) 8%”How much room you have. Worth little, because almost every firm offers the same.
Withdrawing
How much can leave the account, how soon, how often — and whether they can say no.
Withdrawals before the account endsThey publish no ceiling.3/3
we read the page that should answer this and it does not
The cap per withdrawal times how many they allow is the real size of the account. One plan here is sold on a $200,000 banner and closes after five withdrawals of $2,100.
What else a payout changesThey do not say.0/3
we read the page that should answer this and it does not
The floor is not the only thing a withdrawal moves, and the rest of it is never on the same page. Position size, the consistency rule and the share you are paid all reset or shift at some firms, and a trader who checked only the drawdown finds out afterwards.
Can it refuse without giving a reasonyes — it reserves that right in writing0/3
“If Moneta Funded determines, in its sole discretion, that you have engaged in any Prohibited Conduct under Clause 5.2 or otherwise breached the Program Rules, Moneta Funded may delay, reduce, deduct from, refuse, cancel, or void any Payout request, whether pending or future.”“We may decline for any reason” is not a rule, it is the absence of one — it makes every other number on this axis conditional on goodwill.
Days before you can ask for money14 days2/2
“Payout Frequency On Demand, Then Every 14 Days”How long your money is theirs.
Most one withdrawal can pay youThey do not say.0/2
we read the page that should answer this and it does not
$2,000 is generous on a $25K account and a joke on a $200K one, so it is measured as a share and at the worst size sold.
Profit required before the first requestThey do not say.0/1
we read the page that should answer this and it does not
How much you have to make before you can touch anything.
Fee charged to pay you$200.50/1
“International bank wire transfers may attract a minimum fee of 20 units of your trading account base currency (e.g. 20 USD). This fee will be deducted from the Payout amount prior to transfer.”What they charge you to pay you.
Does that cap rise with the account · What breaking the consistency rule costs
How you may trade
Can you trade the way you actually trade — around the news, over the weekend, at the size and speed you use?
Restriction around the newsThey state there is none.—
“News Trading Allowed”Mandatory stop-lossThey do not say.—
we read the page that should answer this and it does not
Minimum time a trade must be heldThey do not say.—
we read the page that should answer this and it does not
Forced close before the weekendThey state there is none.—
“Hold Overnight Allowed”Leverage1:30by instrument
—
by instrument
“Leverage: Up to 1:30”Limit on position sizeThey do not say.—
we read the page that should answer this and it does not
No score here, on purpose. The six axes above ask whether the firm can take your money or refuse to pay it. These rules ask something else — whether you can trade your way — and the right weight depends on who is reading: a minimum holding time decides the account for a scalper and is invisible to anyone else, while the weekend rule is the reverse. A single number would be wrong for half of you, and would look decided. The firm’s own sentences are here; the judgement is yours.
How hard the test is
we did not read enough to sayNot the profit target on the sales page — that target measured against the room you are given to reach it.
Days you have to finishThey state there is none.3/3
“No Time Limit”A deadline turns a test of skill into a test of whether the market happened to move during your month.
A second attempt costsNo such thing in this plan.—
“Instant Funding Funded from day one.”A free second attempt turns one bad week into a delay instead of another invoice.
Below 60% read we publish no number at all, because a grade computed from two facts out of six is not a lenient grade — it is a different measurement wearing the same label.
How much you must win to survive · Profit target · Trading days you must put in
Maximum loss
The loss limit that closes your account. Does it sit still, or does it climb behind you as you win?
What makes the loss limit riseit rises tick by tick, while you trade0.75/3
“Max Loss (trailing lock) 5%”A limit that climbs takes back the cushion you already earned.
Where the limit stops risingThey do not say.0/3
we read the page that should answer this and it does not
The difference between a danger with an end date and one that never ends.
What the limit is measured againstThey do not say.0/2
we read the page that should answer this and it does not
Decides whether a trade that dips and recovers can close an account that ended the day green.
What taking a payout does to the limitThey do not say.0/2
we read the page that should answer this and it does not
Taking your money out should not leave you closer to losing the account.
Daily limit3%, measured on live equity, open trades included0.60/2
“Daily Loss 3%”A generous percentage measured on live equity is not generous — it is the same number with a trapdoor under it.
Total loss allowed5%0.25/1
“Max Loss (trailing lock) 5%”How much room you have. Worth little, because almost every firm offers the same.
Withdrawing
How much can leave the account, how soon, how often — and whether they can say no.
Withdrawals before the account endsThey publish no ceiling.3/3
we read the page that should answer this and it does not
The cap per withdrawal times how many they allow is the real size of the account. One plan here is sold on a $200,000 banner and closes after five withdrawals of $2,100.
What else a payout changesThey do not say.0/3
we read the page that should answer this and it does not
The floor is not the only thing a withdrawal moves, and the rest of it is never on the same page. Position size, the consistency rule and the share you are paid all reset or shift at some firms, and a trader who checked only the drawdown finds out afterwards.
What breaking the consistency rule costsit delays the payout2.10/3
“Avoid Exceeding 15%/20% or more profit on a given trading day while managing risk”Weighted by what it costs, not by existing: reading plan by plan, no consistency rule ever closed an account — they postponed the withdrawal.
Can it refuse without giving a reasonyes — it reserves that right in writing0/3
“If Moneta Funded determines, in its sole discretion, that you have engaged in any Prohibited Conduct under Clause 5.2 or otherwise breached the Program Rules, Moneta Funded may delay, reduce, deduct from, refuse, cancel, or void any Payout request, whether pending or future.”“We may decline for any reason” is not a rule, it is the absence of one — it makes every other number on this axis conditional on goodwill.
Days before you can ask for money14 days2/2
“Payout Frequency 14-days”How long your money is theirs.
Most one withdrawal can pay youThey do not say.0/2
we read the page that should answer this and it does not
$2,000 is generous on a $25K account and a joke on a $200K one, so it is measured as a share and at the worst size sold.
Profit required before the first requestThey do not say.0/1
we read the page that should answer this and it does not
How much you have to make before you can touch anything.
Fee charged to pay you$200.50/1
“International bank wire transfers may attract a minimum fee of 20 units of your trading account base currency (e.g. 20 USD). This fee will be deducted from the Payout amount prior to transfer.”What they charge you to pay you.
Does that cap rise with the account
How you may trade
Can you trade the way you actually trade — around the news, over the weekend, at the size and speed you use?
Restriction around the newsyou may not open around a release—
“h) "News Trading": Placing trades immediately before or during the release of high-impact macroeconomic news events.”Mandatory stop-lossThey do not say.—
we read the page that should answer this and it does not
Minimum time a trade must be heldThey do not say.—
we read the page that should answer this and it does not
Forced close before the weekendThey state there is none.—
“Hold overnight/over-weekend allowed”Leverage1:30by instrument
—
by instrument
“Leverage: Up to 1:30”Limit on position sizeThey do not say.—
we read the page that should answer this and it does not
No score here, on purpose. The six axes above ask whether the firm can take your money or refuse to pay it. These rules ask something else — whether you can trade your way — and the right weight depends on who is reading: a minimum holding time decides the account for a scalper and is invisible to anyone else, while the weekend rule is the reverse. A single number would be wrong for half of you, and would look decided. The firm’s own sentences are here; the judgement is yours.
How hard the test is
Not the profit target on the sales page — that target measured against the room you are given to reach it.
How much you must win to survivefor every $1 you are allowed to lose, you must make $20.80/8
“$60 0.6%”A profit target only means something next to the room you are given to reach it. Ten per cent to make against ten to lose is a coin flip sold as an exam.
Days you have to finish1 days0/3
“1 hour”A deadline turns a test of skill into a test of whether the market happened to move during your month.
A second attempt costsThey do not say.0/2
we read the page that should answer this and it does not
A free second attempt turns one bad week into a delay instead of another invoice.
Profit target0.6%—
“$60 0.6%”Trading days you must put in
Maximum loss
The loss limit that closes your account. Does it sit still, or does it climb behind you as you win?
What makes the loss limit riseThey state there is none.3/3
“$30 0.3%”A limit that climbs takes back the cushion you already earned.
What the limit is measured againstThey do not say.0/2
we read the page that should answer this and it does not
Decides whether a trade that dips and recovers can close an account that ended the day green.
What taking a payout does to the limitThey do not say.0/2
we read the page that should answer this and it does not
Taking your money out should not leave you closer to losing the account.
Total loss allowed0.3%0/1
“$30 0.3%”How much room you have. Worth little, because almost every firm offers the same.
Where the limit stops risingNo such thing in this plan.—
“$30 0.3%”The difference between a danger with an end date and one that never ends.
Daily limit
Withdrawing
How much can leave the account, how soon, how often — and whether they can say no.
Withdrawals before the account endsThey publish no ceiling.3/3
we read the page that should answer this and it does not
The cap per withdrawal times how many they allow is the real size of the account. One plan here is sold on a $200,000 banner and closes after five withdrawals of $2,100.
What else a payout changesThey do not say.0/3
we read the page that should answer this and it does not
The floor is not the only thing a withdrawal moves, and the rest of it is never on the same page. Position size, the consistency rule and the share you are paid all reset or shift at some firms, and a trader who checked only the drawdown finds out afterwards.
Can it refuse without giving a reasonyes — it reserves that right in writing0/3
“If Moneta Funded determines, in its sole discretion, that you have engaged in any Prohibited Conduct under Clause 5.2 or otherwise breached the Program Rules, Moneta Funded may delay, reduce, deduct from, refuse, cancel, or void any Payout request, whether pending or future.”“We may decline for any reason” is not a rule, it is the absence of one — it makes every other number on this axis conditional on goodwill.
Days before you can ask for moneyThey do not say.0/2
we read the page that should answer this and it does not
How long your money is theirs.
Most one withdrawal can pay youThey do not say.0/2
we read the page that should answer this and it does not
$2,000 is generous on a $25K account and a joke on a $200K one, so it is measured as a share and at the worst size sold.
Profit required before the first requestThey do not say.0/1
we read the page that should answer this and it does not
How much you have to make before you can touch anything.
Fee charged to pay youThey do not say.0/1
we read the page that should answer this and it does not
What they charge you to pay you.
Does that cap rise with the account · What breaking the consistency rule costs
How you may trade
Can you trade the way you actually trade — around the news, over the weekend, at the size and speed you use?
Restriction around the newsnews trading is banned outright—
“*News trading, gap trading, and market open and market close trading are not allowed.”Mandatory stop-lossThey do not say.—
we read the page that should answer this and it does not
Minimum time a trade must be heldThey do not say.—
we read the page that should answer this and it does not
Forced close before the weekendThey do not say.—
we read the page that should answer this and it does not
Leverage1:30by instrument
—
by instrument
“Leverage: Up to 1:30”Limit on position sizeThey do not say.—
we read the page that should answer this and it does not
No score here, on purpose. The six axes above ask whether the firm can take your money or refuse to pay it. These rules ask something else — whether you can trade your way — and the right weight depends on who is reading: a minimum holding time decides the account for a scalper and is invisible to anyone else, while the weekend rule is the reverse. A single number would be wrong for half of you, and would look decided. The firm’s own sentences are here; the judgement is yours.
The rules in writing
Could you read the rule before paying, and can they change it afterwards?
Where the rule that binds you is publishedin the document its own contract points at4/4
“1.10. "Program Rules" means the trading rules, restrictions and prohibited strategies you must adhere to during the Evaluation, on any simulated funded account, during any Payout review, and throughout your use of the Services, as set out in Clause 5 below, on the Website and in your Client Dashboard.”If the rule that binds you lives in a help article your contract never mentions, you did not sign it.
Can it change the rules without noticeyes, and it says so0.60/3
“17.2. We reserve the right to modify or replace these Terms at any time. If a revision is material, we will provide notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.”The clause that makes every dated verdict perishable, including ours. Near-universal, so not fatal.
Is the binding document datedyes2/2
“Version: July 2026”Without a date you cannot tell whether the rule you read is the rule they apply.
Two official pages that disagree
whether the account reaches a real market · costs money
“Pass your challenge and move into a live, funded account powered by Moneta Markets’ liquidity and infrastructure. Your evaluation ends, but your trading journey continues with access to real capital and conditions designed for serious traders.”“3.3. The Programs do not permit users (at any time) to execute trades in real financial markets with real funds.”who stands behind the account · costs credibility
“Being 100% broker-backed gives us something others can’t match: real capital, real stability, and the scale to support traders worldwide.”“Moneta Funded does not operate as a broker and does not provide brokerage or financial services.”The company behind it
If it goes wrong, which company do you claim against, and under whose laws?
The company you contract withMoneta Funded Ltdno change4/4
“Moneta Funded Ltd (“Moneta Funded”, "Company", "we", "us", "our") is a company registered in St. Lucia with registered number 2025-00532 and its registered office at Ground Floor, The Sotheby Building, Rodney Village, Rodney Bay, Gros-Islet, Saint Lucia.”With no named company there is nobody to sue.
Where it is registeredSaint Luciano change1/2
“15.1. These Terms shall be governed by and construed in accordance with the laws of Saint Lucia.”A claim in the Czech Republic and a claim in St Vincent are not the same claim.
Its registration number2025-00532no change2/2
“Moneta Funded is registered with the St Lucia Registry of International Business Companies under Registration No. 2025-00532”What turns a name into something checkable in a public register.
That company owns the brandyes2/2
“Moneta Funded is a trading name of Moneta Funded Ltd.”Signing with a company other than the brand’s owner separates who sold to you from who answers to you.
The people behind it are namedyes2/2
“Led by David Bily, CEO & Founder, our team combines brokerage expertise with prop firm innovation to create a model that rewards consistency, drives growth, and delivers real trader success stories.”Named people can be looked up. A company on its own cannot always be.
Almost no firm here has a financial regulator, because selling simulated evaluations is not a regulated activity anywhere. Of the 114 firms we scored by hand, 96 sat in the bottom two rungs of backing for this reason. So we do not count it against anyone — it only adds when a firm genuinely has one.
The market
Do your orders reach a market, or is all of it a simulation?
What the funded account issimulated, with no route to real capital0/4
“3.3. The Programs do not permit users (at any time) to execute trades in real financial markets with real funds.”The question that separates a firm that earns when you lose from one that earns when you last.
The broker or clearer namedMoneta Markets3/3
“1.6. "Moneta Markets" means Moneta Markets Ltd (registration number 2023-00068).”Almost nobody names one, because almost no account reaches a market. It adds when present.
Conditions to reach a real marketNo such thing in this plan.—
“3.3. The Programs do not permit users (at any time) to execute trades in real financial markets with real funds.”Promising a route to a real market without publishing the conditions is promising nothing.
We read the rules of every plan it sells and issued a verdict on each one.