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Firm profile · as of 3 November 2026

Fintokei

What Fintokei itself publishes about rules, costs and payouts – every item links to the firm's page, with a date. No rating, no overall score.

Status
operating
Commission for PropCrab
no, no partner agreement
Data as of
not yet checked by a human

Key facts

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Founded
2022

Per Fintokei launched in 2022 in Japan. For the Purple group behind it Fintokei gives 2007 in some places and 2011 in others as the founding year.

fintokei.com
Markets
Forex/CFD
Platforms
  • MT5
  • cTrader
  • TradingView

One help article (27 May 2026) and the consumer information also name MT4; the programme pages list only TradingView, MT5 and cTrader.

fintokei.com
Instruments
Forex, Indices, Metals, Energies, Crypto

CFDs only, no stocks or futures. Crypto CFDs (BTC, ETH, SOL, XRP and others) are available on all accounts per the help centre; the FAQ on the programme pages still says crypto is not offered.

fintokei.com
Identity check (KYC)
after passing the evaluation

KYC after the last evaluation phase (SwiftTrader phase I, ProTrader phase II, StartTrader phase I), before the "funded" account and before any payout: ID plus selfie, proof of address depending on country; no VPN.

support.fintokei.com
Paying for the challenge
Card, Apple Pay, Google Pay, Crypto, Bank transfer, Walletory

Cards Visa, Mastercard, Maestro, JCB; crypto (BTC, USDT, USDC, ETH, LTC, POL, TRX, SOL); SEPA transfer only for EUR challenges, domestic transfer only for JPY challenges; Walletory only after a successful Walletory payout. Third-party payment is prohibited.

support.fintokei.com
Payout methods
Bank transfer, Walletory, Crypto

Bank transfer, wallet-to-wallet via Walletory (instant up to USD 10,000) and crypto. Crypto payouts only in about 40 countries, including Switzerland, Germany, Austria and the UK. Only to your own accounts.

support.fintokei.com
Refunds
Refund within 14 days of purchase only as long as you have neither logged into MyFintokei nor placed a trade; request by email (not chat or contact form). The first login or trade ends the withdrawal right; afterwards no refund, including on failure. Plan change: only phase I accounts with no trade within 14 days (refund and new purchase). Ineligible StartTrader purchases are cancelled and refunded, unless the conditions were circumvented (e.g. with multiple profiles).support.fintokei.com
Minimum age
18+support.fintokei.com

According to the firm

The firm's own statements, not checked by us.

  • «USD 28,080,786 paid in rewards between 2023 and 2025, average USD 3,218 (firm's own claim).»fintokei.com
  • «ProTrader pass rate about 21%, about 10% reach at least one payout; SwiftTrader pass rate 10.11% (firm's own claim).»fintokei.com
  • «Rule changes are announced at least 14 days ahead and never applied retroactively (firm's own claim). The terms (version 16, art. IX.8), by contrast, reserve the right to change parameters at any time without specific notice.»fintokei.com

Red Flags & Green Flags

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Red Flag or Green Flag? Every call follows fixed criteria and shows its source. What our sources cannot answer stays "Unclear". Flags are never added up – there is no score.

  • Unclear

    Is the firm on a regulator's warning list?

    A documented check against the warning lists is not on record for this firm yet.

  • Unclear

    Was there a documented payout stop, sales stop or closure (24 months)?

    No such event is documented in our sources. That is not proof there was none.

  • Green Flag

    Rule changes apply to new purchases only, with a cut-off date; no documented retroactive change in 24 months.

    Applies to StartTrader purchases from 21 Oct 2026. Older accounts keep running under the previous rules (3 phases with 2%/3%/6%, daily loss 3%, max loss 6%, consistency rule, dynamic reward 50–100%); nothing is applied retroactively.

    support.fintokei.com
  • Green Flag

    Rules fully visible without logging in.

    Target, daily loss and max loss of every programme on sale are on the firm's public pages.

    fintokei.com
  • Green Flag

    Operating company published with name, seat and registration number.

    Fintokei a.s. (CZ), Company ID (IČO) 09110127, Commercial Register of the Regional Court in Brno, file B 8941.

    fintokei.com
  • Green Flag

    Discloses whether accounts are simulated or live.

    Per the terms, no trading at Fintokei is real: challenge and "funded" accounts are demo accounts with virtual funds and no order is executed on a real market. The performance reward is paid in real money.

    media.fintokei-web.purple-lab.dev
  • Green Flag

    Country exclusions and KYC timing are visible before buying.

    Country list public (36 countries excluded). KYC: KYC after the last evaluation phase (SwiftTrader phase I, ProTrader phase II, StartTrader phase I), before the "funded" account and before any payout: ID plus selfie, proof of address depending on country; no VPN.

    support.fintokei.com
  • Green Flag

    Payouts possible in other ways than crypto.

    support.fintokei.com
  • Green Flag

    Refund terms are public.

    Refund within 14 days of purchase only as long as you have neither logged into MyFintokei nor placed a trade; request by email (not chat or contact form). The first login or trade ends the withdrawal right; afterwards no refund, including on failure. Plan change: only phase I accounts with no trade within 14 days (refund and new purchase). Ineligible StartTrader purchases are cancelled and refunded, unless the conditions were circumvented (e.g. with multiple profiles).

    support.fintokei.com
  • Unclear

    Do the terms carry a date or version?

    We do not record the date or version of the terms as a field yet.

The criteria

The criteria come from our transparency check. A Red Flag needs a documented fact – a missing item is never a Red Flag.

Red Flag

  • Named on an official regulator warning list (exact name match). A listing is not proof of wrongdoing.
  • Documented payout stop, sales stop or closure (firm or group company) in the last 24 months.
  • Documented retroactive rule change for accounts already bought, in the last 24 months.
  • Rules not fully visible without logging in or buying.
  • No operating company with name and seat named in the terms.

Green Flag

  • Rules fully visible without logging in.
  • Operating company published with name, seat and registration number.
  • Terms carry a date or version.
  • Rule changes apply to new purchases only, with a cut-off date; no documented retroactive change in 24 months.
  • Country exclusions and KYC timing are visible before buying.
  • Payouts possible in other ways than crypto.
  • Discloses whether accounts are simulated or live.
  • Refund terms are public.

We show the firm's age as a fact, not as a flag.

Challenges & rules

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The essentials of each programme at a glance. Every rule with its source and date, every account size, older rule versions and the question "I bought on …" are on the programme's own page.

ProTrader

2-StepForex/CFD

As of 3 November 2026

Account sizes
USD 5K–400K7 sizes
List price
USD 49 – USD 2,599
Cost per 1,000 of buffer
USD 54.90 – USD 99.00

Rules for purchases from today

Profit target phase 1
8 %
Daily loss · Phase 1
5 %
Maximum loss · Phase 1
10 % · static
Profit split
80 %, up to 100 %
First payout
14 days

All rules and sources

ProTrader Swing

2-StepForex/CFD

As of 3 November 2026

Account sizes
USD 5K–200K6 sizes
List price
USD 69 – USD 1,499
Cost per 1,000 of buffer
USD 67.90 – USD 138.00

Rules for purchases from today

Profit target phase 1
8 %
Daily loss · Phase 1
5 %
Maximum loss · Phase 1
10 % · static
Profit split
80 %, up to 100 %
First payout
14 days

All rules and sources

SwiftTrader

1-StepForex/CFD

As of 3 November 2026

2 data gaps in this programme
Account sizes
USD 5K–200K6 sizes
List price
USD 44 – USD 1,099
Cost per 1,000 of buffer
USD 166.33 – USD 296.67

Rules for purchases from today

Profit target phase 1
6 %
Daily loss · Phase 1
2 %
Maximum loss · Phase 1
3 % · static
Profit split
90 %, up to 100 %
First payout
14 days

All rules and sources

StartTrader

1-StepForex/CFD

As of 3 November 2026

1 data gap in this programme
Account sizes
USD 5K1 size
List price
USD 34
Cost per 1,000 of buffer
USD 85.00

Rules for purchases from today

Profit target phase 1
3 %
Daily loss · Phase 1
2 %
Maximum loss · Phase 1
8 % · static
Profit split
80 %
First payout
14 days

All rules and sources

Availability by residence

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Know before you click whether you may buy at all. Per the firm; the country list can change.

ResidencePer the firm
Switzerland (CH)

accepted

On no country list; crypto payouts available.

support.fintokei.com
Germany (DE)

accepted

On no country list; crypto payouts available.

support.fintokei.com
Austria (AT)

accepted

On no country list; crypto payouts available.

support.fintokei.com
United States (US)

excluded

US residents and citizens are not served.

support.fintokei.com
United Kingdom (GB)

accepted

On no country list; crypto payouts available.

support.fintokei.com
Countries excluded per the firm: 36 · Show list

Afghanistan, Bangladesh, Belarus, Cambodia, China, Cuba, Ethiopia, Ghana, India, Indonesia, Iran, Iraq, Kenya, Malaysia, Morocco, Myanmar (Burma), Nigeria, North Korea, Pakistan, Philippines, Russia, Saudi Arabia, Senegal, Somalia, South Africa, South Sudan, Sudan, Syria, Thailand, Türkiye, Ukraine, United Arab Emirates, United States, Venezuela, Vietnam, Yemen

Three groups: not served (residents or citizens) AF to YE incl. the USA; temporarily restricted BD, CN, PK, VN; no new purchases KH to AE (incl. South Africa, Türkiye, Ukraine, UAE). Also excluded: persons on sanctions lists or with a financial criminal record, and employees of other prop firms or brokers.

support.fintokei.com
Visit Fintokei

Direct link to the firm

Paid challenge on a simulated account · the fee is usually lost when a rule is broken · firms are generally not supervised · CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage.

Companies & supervision

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Who sells you the challenge? A supervised group company does not make the challenge itself supervised.

  • Fintokei a.s.

    Role:
    Operator
    Seat:
    Masarykova 409/26, Brno-město, 602 00 Brno, Czech Republic
    Register:
    Company ID (IČO) 09110127, Commercial Register of the Regional Court in Brno, file B 8941
    Supervision:
    no supervision named

  • Walletory Pte Ltd

    Role:
    Payment agent
    Seat:
    Singapore
    Supervision:
    Singapore-licensed institution; no licence for payment services in EU member states (as stated by Fintokei)

  • AXSE Brokerage Ltd.

    Role:
    Data or platform provider
    Seat:
    Suite 3, Global Village, Jivan's Complex, Mont Fleuri, Mahé, Seychelles
    Register:
    Company number 8424258-1 (Seychelles)
    Supervision:
    no supervision named

Fintokei a.s. runs the website and programmes and is the contracting party. Walletory processes instant payouts (separate onboarding); its country is derived from Fintokei's statement that it is "Singaporean-licensed". Per the help-centre imprint, "Fintokei" is also a registered business name of AXSE Brokerage Ltd. (Seychelles), which operates trading platforms and provides technical infrastructure for Fintokei. Per Fintokei it belongs to the Purple group (Purple Holding), which includes the CySEC-licensed broker Purple Trading (licence 271/15); the partner broker is named "Purple Trading SC". This does not make the challenge regulated; Fintokei itself is not regulated.

fintokei.com

Warnings and events

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Documented events and rule changes, newest first.

  1. Rule change

    StartTrader becomes single-phase: 3% target, 2% daily loss with one soft breach, 8% max loss, 60 days, flat 80%, USD 400 payout cap. Applies to purchases from this date; older accounts keep the old rules.

    support.fintokei.com

  2. Rule change

    SwiftTrader for purchases after 15 Jul 2026: 6% target instead of 10%, 90% reward instead of 100%, daily loss 2% instead of 3%, max loss 3% instead of 6%, 60-day limit, 3 instead of 5 minimum trading days. ProTrader Swing swap-free for purchases from 15 Jul 2026.

    support.fintokei.com

  3. Rule change

    Former scaling plan retired and replaced by the Loyalty Program's Capital Scaling Boost (up to +25% capital on new "funded" accounts).

    support.fintokei.com

See the warnings and the graveyard

Change log

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3 documented changes, newest first.

  1. Rule change

    StartTrader

    StartTrader becomes single-phase: 3% target, 2% daily loss with one soft breach, 8% max loss, 60 days, flat 80%, USD 400 payout cap. Applies to purchases from this date; older accounts keep the old rules.

    What changed

    • structure / loss limits / payout

      Before
      3 phases (2% / 3% / 6%), daily loss 3%, max loss 6%, consistency rule, dynamic reward 50–100%, 180 days per phase
      New
      1 phase (3%), daily loss 2% with one soft breach, max loss 8%, no consistency rule, flat 80%, min 3 / max 60 days, payout cap USD 400
    Applies to:
    new purchases
    Grandfathering:
    Applies to StartTrader purchases from 21 Oct 2026. Older accounts keep running under the previous rules (3 phases with 2%/3%/6%, daily loss 3%, max loss 6%, consistency rule, dynamic reward 50–100%); nothing is applied retroactively.

    Sources

  2. Rule change

    SwiftTrader

    SwiftTrader for purchases after 15 Jul 2026: 6% target instead of 10%, 90% reward instead of 100%, daily loss 2% instead of 3%, max loss 3% instead of 6%, 60-day limit, 3 instead of 5 minimum trading days. ProTrader Swing swap-free for purchases from 15 Jul 2026.

    What changed

    • target / loss limits / split / time limit

      Before
      target 10%, daily loss 3%, max loss 6%, 100% reward, 5 min trading days, no time limit
      New
      target 6%, daily loss 2%, max loss 3% static, 90% reward, 3 min trading days, max 60 days, 3% daily profit cap in evaluation
    Applies to:
    new purchases

    Sources

See all 3 changesChanges at all firms

Data gaps

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We looked for these and did not find them on the firm's pages, or could not fetch them automatically. So they show as "–", never as 0.

Firm and further offers

  • No maximum per payout is named; nowhere does it say explicitly that there is none.

    programs.*.funded.payoutCap (ProTrader, ProTrader Swing, SwiftTrader)

    Checked: support.fintokei.com, fintokei.com

  • No paid reset offer is named; after a breach the FAQ says a new purchase is needed. Per the same FAQ (dated 11 Sep 2024), a ProTrader or StartTrader evaluation phase that is in profit without a rule breach can be restarted from the beginning for free.

    programs.*.variants.resetFee

    Checked: support.fintokei.com

  • ProTrader Slim (tighter spreads, MT5 only) exists only as a JPY account for clients in Japan or using Japanese; JPY prices and sizes are not recorded.

    programs.fintokei-protrader-slim

    Checked: support.fintokei.com

  • Only the USD sizes from the English site are recorded; Fintokei also offers EUR, CZK and JPY accounts with their own prices.

    variants (other account currencies)

    Checked: fintokei.com

  • Purple Holding, Purple Trading (CySEC 271/15) and the partner broker "Purple Trading SC" are named, but without legal names, seat or register; therefore not recorded as entities.

    entities (Purple group)

    Checked: fintokei.com, fintokei.com

SwiftTrader

  • The minimum profit per payout depends on size (3% of the initial balance, USD 150 to 6,000); the field holds a single amount. Values are in firstPayout.

    programs.fintokei-swifttrader.funded.payoutMin

    Checked: support.fintokei.com

  • Contradictory: help centre "from Equity" (recalculated 00:00 UTC), one-step page "from the initial balance". The daily-limit calculation article still shows the old 3% for SwiftTrader.

    programs.fintokei-swifttrader.phases.dailyLoss.basis

    Checked: support.fintokei.com, fintokei.com, support.fintokei.com

StartTrader

No correction to this profile so far. Go to the corrections log

FAQ

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Are Fintokei accounts simulated?

Simulated account. Per the terms, no trading at Fintokei is real: challenge and "funded" accounts are demo accounts with virtual funds and no order is executed on a real market. The performance reward is paid in real money. Per the firm, as of 3 November 2026.

Can I use Fintokei from Switzerland, Germany or Austria?

Switzerland: accepted (On no country list; crypto payouts available.); Germany: accepted (On no country list; crypto payouts available.); Austria: accepted (On no country list; crypto payouts available.). Per the firm, as of 3 November 2026.

Do I get the Fintokei fee back?

Refund within 14 days of purchase only as long as you have neither logged into MyFintokei nor placed a trade; request by email (not chat or contact form). The first login or trade ends the withdrawal right; afterwards no refund, including on failure. Plan change: only phase I accounts with no trade within 14 days (refund and new purchase). Ineligible StartTrader purchases are cancelled and refunded, unless the conditions were circumvented (e.g. with multiple profiles). Per the firm, as of 3 November 2026.

What is the profit split at Fintokei?

ProTrader: 80 % – 100 %; ProTrader Swing: 80 % – 100 %; SwiftTrader: 90 % – 100 %; StartTrader: 80 %. "Funded" means here what the firm itself states below. Per the firm, as of 3 November 2026.

All sources

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Every page an item on this profile comes from. Fetched and re-checked on the dates shown.

  1. Fintokei homefintokei.com · website ·
  2. About usfintokei.com · website ·
  3. Is Fintokei legit?fintokei.com · website ·
  4. Loyalty programfintokei.com · website ·
  5. One-step challenge (SwiftTrader)fintokei.com · website ·
  6. Platform comparisonfintokei.com · website ·
  7. Programsfintokei.com · website ·
  8. ProTrader Swingfintokei.com · website ·
  9. ProTraderfintokei.com · website ·
  10. StartTraderfintokei.com · website ·
  11. SwiftTraderfintokei.com · website ·
  12. General Terms and Conditions, version 16 (effective 21 Oct 2026)media.fintokei-web.purple-lab.dev · terms ·
  13. Consumer informationmedia.fintokei-web.purple-lab.dev · PDF ·
  14. When will I receive my payout?support.fintokei.com · help centre ·
  15. How does SwiftTrader Challenge work?support.fintokei.com · help centre ·
  16. What is the difference between ProTrader and ProTrader Swing?support.fintokei.com · help centre ·
  17. What Crypto instruments can I trade?support.fintokei.com · help centre ·
  18. How can I trade on TradingView with Fintokei?support.fintokei.com · help centre ·
  19. What are Boosts?support.fintokei.com · help centre ·
  20. What's new on StartTrader from October 21, 2026?support.fintokei.com · help centre ·
  21. How to pay by bank transfersupport.fintokei.com · help centre ·
  22. Who can join Fintokeisupport.fintokei.com · help centre ·
  23. How does the ProTrader challenge work?support.fintokei.com · help centre ·
  24. How are the Daily loss limit and Maximum Loss limit calculated?support.fintokei.com · help centre ·
  25. What trading platforms do you offer?support.fintokei.com · help centre ·
  26. What instruments can I trade?support.fintokei.com · help centre ·
  27. Performance reward ratio on ProTrader accountssupport.fintokei.com · help centre ·
  28. What rules do I have to follow to keep my ProTrader account?support.fintokei.com · help centre ·
  29. How and how often can I withdraw my performance rewards?support.fintokei.com · help centre ·
  30. Can I get a refund for my purchase?support.fintokei.com · help centre ·
  31. How can I purchase the Challenge plans and Vouchers?support.fintokei.com · help centre ·
  32. Can I change the challenge plan?support.fintokei.com · help centre ·
  33. Performance reward ratio on SwiftTrader accountssupport.fintokei.com · help centre ·
  34. What is SwiftTrader program?support.fintokei.com · help centre ·
  35. What rules do I have to follow to keep my SwiftTrader account?support.fintokei.com · help centre ·
  36. What is Scaling?support.fintokei.com · help centre ·
  37. What does the rule "Minimum trading days" mean?support.fintokei.com · help centre ·
  38. What is KYC Process?support.fintokei.com · help centre ·
  39. How does StartTrader Challenge work?support.fintokei.com · help centre ·
  40. What rules do I have to follow to keep my StartTrader account?support.fintokei.com · help centre ·
  41. Performance reward ratio on StartTrader accountssupport.fintokei.com · help centre ·

The sources of a programme's full rules, every size and its older versions are on its own page:

Trader reviews

Reviews of Fintokei by readers, read before publication. Self-reported, not verified.

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