- Disclosure: both firms are affiliate partners of this site — we have no incentive to tilt this comparison
- The5%ers: 10 years of track record, scaling to $4M, English only
- Fintokei: JPY pricing, native Japanese/Korean support, payouts processed in about one business day
Full transparency first: this site has affiliate partnerships with both The5%ers and Fintokei. We earn either way, which is exactly why this comparison can afford to be blunt. Figures are from official sites as of July 2026 — verify before purchasing.
The companies
| Item | The5%ers | Fintokei |
|---|---|---|
| Founded | 2016 (among the oldest prop firms) | 2023 |
| Primary market | Global (English) | Japan and Asia (Japanese/Korean) |
| Currency | USD | JPY |
| Max capital | Unclear — The5%ers’ own pages conflict ($4M homepage vs $500K High Stakes page) | ¥50M purchasable maximum (JP ProTrader page; USD site max $400K). Up to ¥200M via the Scaling Dojo at Black belt (Challenge plan Emerald case) |
On Fintokei’s ¥200M: the official SwiftTrader page states “scale up to ¥200 million (Challenge plan Emerald case)” for the Scaling Dojo that started on 3 June 2026 (checked 2026-09-26). That is ¥50M × (1 + 300%) and requires reaching Black belt — 250 trading days and 24 payout requests (checked 2026-08-18 on the official FAQ chart) — and only one account per person can go beyond White belt. It is not a purchasable account size.
The5%ers’ core asset is longevity — ten years in an industry where firms regularly disappear. Fintokei’s core asset is being genuinely built for the Japanese market rather than translated into it.
Programs and pricing
| Tier | The5%ers | Fintokei |
|---|---|---|
| Two-step standard | High Stakes (from $19) | ProTrader (from ¥12,500) |
| One-step | Hyper Growth (one-step evaluation, priced by size) | SwiftTrader (one step, from ¥9,800) |
| Low-cost starter | Bootcamp (from $22) | StartTrader (three steps, from ¥10,000) |
The lineups mirror each other philosophically. The practical difference is currency: if you earn and bank in yen, Fintokei removes FX costs and card fees.
Evaluation rules (flagship programs)
| Item | The5%ers High Stakes | Fintokei ProTrader |
|---|---|---|
| Targets | 10% → 5% | 8% → 6% |
| Max loss | 10% | 10% |
| Daily loss | 5% | 5% |
| Minimum days | 3 profitable days (+0.5% each) | 3 trading days |
| Time limit | Unlimited | Effectively unlimited (1 trade per 30 days) |
Both track industry standards closely — rules will not decide this choice. One nuance: The5%ers counts only days closed at +0.5% or better toward its minimum, which is slightly stricter.
Splits and payouts
| Item | The5%ers | Fintokei |
|---|---|---|
| Starting split | 80% (High Stakes) / 75% (Hyper Growth) | 80% (ProTrader) / 90% (SwiftTrader; 100% on Diamond) |
| Ceiling | 100% + fixed monthly payout ($350K+) | 50–100% depending on plan |
| Cycle | Bi-weekly | Bi-weekly |
| Processing | A few business days (method-dependent) | Typically about one business day, per official claims |
| Methods | Rise, bank transfer, crypto | Bank transfer (JPY) and others |
Fintokei wins on friction: fast processing and yen settlement. The5%ers wins on the long game: a published ladder to 100% plus fixed monthly payouts, and a $4M ceiling.
Honest strengths of each
The5%ers: a decade of operating history and cheap entry from $19. Weaknesses: English-only support, a flat 3.5% deducted from every withdrawal, and the Low trust rating this site has applied since 2026-08-01, after the firm acknowledged payout delays.
Fintokei: end-to-end native-language experience, JPY pricing and payouts, and a 90% split on SwiftTrader (100% on Diamond). Weaknesses: founded 2023, so a far shorter track record; a purchasable maximum (¥50M) below The5%ers’ stated figures; and a fee refund that only comes after White belt in the Scaling Dojo (20 trading days, 2 payout requests), minus any discount, with Fintokei’s English FAQ still contradicting the Japanese one (Japanese FAQ checked 2026-09-26).
Who should pick which
- Pick The5%ers if you are comfortable handling disputes in English and are building toward $500K–$4M over years.
- Pick Fintokei if you want native-language support and yen settlement, and value payout speed.
- Using both is legitimate risk management — see multi-prop-firm strategy.
The fair summary: track record and scale at The5%ers, language and payout speed at Fintokei. Choose by use case, not by ranking. A good tiebreaker: could you negotiate a rule dispute in English? If not, that answers it.
Recommended prop firms
Fintokei — native Asian-language experience
JPY pricing, Japanese/Korean support, payouts typically processed in about one business day.
→ Fintokei official (coupon “FINTO5KEI” for 5% off)
The5%ers — for building up from a small ticket
Operating since 2016. Three plans run in parallel — the one-step Hyper Growth, the two-step High Stakes and the three-step Bootcamp — with fees from $19. The profit split climbs in steps toward 100%, but a flat 3.5% is deducted from every withdrawal. On 2026-08-01 this site re-rated The5%ers from High to Low trust (★4.6→3.3) after the firm itself acknowledged payout delays in March 2026. If you use it, keep the ticket small and confirm your first payout arrives before scaling up.
→ The5%ers official (referral code “HZZS4” — 0% discount as of 2026-08-19)