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Fintokei vs Funded7: Full Comparison
A side-by-side comparison of Fintokei and Funded7 built from our normalised 31-firm dataset. Every figure was read off the firms’ own pages, and each row carries its source and check date. Where we could not verify something we mark it “not verified” rather than leaving it blank.
Key findings
- Fintokei comes out ahead on Lowest entry fee ($44 vs $118.8).
- Fintokei comes out ahead on Max profit split (100% vs 90%).
- Fintokei holds the higher Trustpilot rating (4.3 (1,296) vs 2.8 (46)).
Terms compared
| Item | Fintokei | Funded7 |
|---|---|---|
| Evaluation model | Multiple models | Multiple models |
| Lowest entry fee | $44 Better | $118.8 |
| Max profit split | 100% Better | 90% |
| Profit target | 8% | 8% |
| Daily loss limit | 5% | 5% |
| Max drawdown | 10% | 10% |
| Drawdown type | Mixed | Mixed |
| Min trading days | 3 days | 3 days |
| Payout cycle | 14 days | Not verified |
| Payout processing time | 1 days | 1 days |
| Max leverage | 1:100 | 1:50 |
| Account sizes | $5,000 / $10,000 / $20,000 / $50,000 / $100,000 / $200,000 / $400,000 | $5,000 / $10,000 / $15,000 / $25,000 / $50,000 / $75,000 / $100,000 / $200,000 / $250,000 / $500,000 |
| Asset classes | forex, indices, crypto, commodities | forex, indices, crypto, commodities, metals |
| Trustpilot | 4.3 (1,296) Better | 2.8 (46) |
| Third-party payout verification | Self-reported only | Not verified |
| Recorded rule changes | 2 | 1 |
How the drawdown works
Both firms use a mixed drawdown, so open profit affects your loss allowance the same way at each.
Third-party payout verification
Fintokei
€29M+ (2026-04-28) — Self-reported only
Finance Magnates, which carried the figure, stated plainly that the approval rate "has not been independently verified". Fintokei’s own /payouts page is built to display "Cumulative payouts 2025" and "Average payout approval speed", but renders $0 and 0 sec. on the check date, so the site itself substantiates neither. The homepage does publish an average payout of $3,881, a highest payout of $129,032 and an average payout time of 3h 4m. Payouts run by bank transfer, including JPY to Japanese accounts, with a crypto option; nothing settles on a rail a third party can read, and Fintokei is not among the firms Payout Junction tracks.
Finance Magnates — Fintokei declares sub-second trader payouts as prop firm competition intensifies (28 April 2026) · 2026-08-05
Funded7
A "$722,800 in 7 months" payout figure circulates for this firm. We could not establish it against any first-party source and removed it from our own pages rather than repeat it. What the homepage does claim is a review score of "1k+ reviews (4.8 of 5)"; its Trustpilot profile stood at 2.8 from 46 reviews. A firm whose checkable claim is wrong is a reason to treat its uncheckable ones cautiously, not evidence about its payouts either way. Not among the firms Payout Junction tracks.
Funded7 — homepage (no cumulative payout figure published) · 2026-08-05
Recorded rule changes
Fintokei
- Effective 2026-06-03 Before: The original scaling program was, per the EN FAQ, fully retired on 2026-01-21; the successor contract-fee return inside the Loyalty Program ran only to 2026-06-30, leaving the fee-return footnotes on plan pages unsupported. → After: A relaunched Japan-market スケーリング道場 rank system (白帯→黒帯, up to +300% funding, judged by trading days + payout-request count) started 2026-06-03 per the JA FAQ (updated 2026-06-19). Accounts purchased on or after 2026-06-11 regain a contract-fee-return right upon reaching 白帯 (20 trading days + 2 payout requests); purchases up to 2026-06-10 fell under a transition that required a first payout request by 2026-06-30. Fintokei FAQ (JA) — Fintokeiスケーリング道場とは？ (updated 2026-06-19)
- Effective 2026-01-21 Before: The スケーリング道場 scaling program, with the initial-fee return attached to it. → After: The scaling program was "fully retired" and replaced by the Capital Scaling Boost inside the Loyalty Program. The Loyalty Program contract-fee return ran only to 2026-06-30. Fintokei FAQ — What is Scaling? ("fully retired" as of 21 January 2026)
Funded7
- Observed 2026-07-31 Before: Not established. We could not date the introduction of the rule or find what preceded it. → After: Closes under 15 seconds above 2% of trade count, or under 30 seconds above 3%, demote the account to a restricted Silver or Bronze Funded tier — tighter flat risk limit, lower leverage, mandatory stop-loss — rather than terminating it. Funded7 FAQ — Rule 2 & 3: Position Risk & Execution (Funded / Silver Funded / Bronze Funded tiers)
Which one fits you
What the data says, priority by priority. The decision is yours; we do not give investment advice.
- Fintokei comes out ahead on Lowest entry fee ($44 vs $118.8).
- Fintokei comes out ahead on Max profit split (100% vs 90%).
- Fintokei holds the higher Trustpilot rating (4.3 (1,296) vs 2.8 (46)).
Check current terms on the official sites
FAQ
- Which is cheaper to start, Fintokei or Funded7?
- Fintokei is $44 and Funded7 is $118.8, so Fintokei is the better of the two on Lowest entry fee. This page is an informational comparison, not investment advice. Passing an evaluation is not guaranteed and entry fees may not be refundable.
- Which one pays the higher profit split?
- Fintokei is 100% and Funded7 is 90%, so Fintokei is the better of the two on Max profit split. This page is an informational comparison, not investment advice. Passing an evaluation is not guaranteed and entry fees may not be refundable.
- Do they calculate drawdown the same way?
- Both firms use a mixed drawdown, so open profit affects your loss allowance the same way at each.
- What do their Trustpilot ratings look like?
- Fintokei: 4.3 (1,296). Funded7: 2.8 (46). Profiles were checked on 2026-07-31. Where Trustpilot has withheld a rating for a guideline breach we publish no score.
Sources
- https://www.fintokei.com/
- https://www.fintokei.com/jp/
- https://www.fintokei.com/jp/protrader/
- https://www.fintokei.com/jp/swifttrader/
- https://www.fintokei.com/jp/starttrader/
- https://support.fintokei.com/en/articles/6538884-how-and-how-often-can-i-withdraw-my-performance-rewards-and-what-is-the-minimum-amount
- https://support.fintokei.com/en/articles/6538873-what-is-the-performance-reward-ratio-on-protrader-accounts
- https://support.fintokei.com/en/articles/8409193-what-is-scaling
- https://www.fintokei.com/jp/blog/loyalty-program/
- https://www.trustpilot.com/review/fintokei.com
- https://funded7.com/
- https://funded7.com/challenge-comparison/
- https://funded7.com/faq/payouts-at-funded7-fast-flexible-and-secure/
- https://funded7.com/about/
- https://www.trustpilot.com/review/funded7.com
Data currency
Terms data 2026-06-22 / payout verification 2026-08-05 / rule changes 2026-08-22. Prop firm terms change without notice — always confirm on the official site before you buy.
This page is an informational comparison, not investment advice. Passing an evaluation is not guaranteed and entry fees may not be refundable.