Our editorial team compared every key metric — fees, rules, profit split, payouts — so you can pick the right firm.
| Feature | Fintokei | AquaFunded |
|---|---|---|
| Payout | ||
| Profit Split | 80% → 100% | 100% |
| Payout Frequency | On-demand (avg 3h 4m) | Bi-weekly (challenge) / On-demand (instant) |
| Max Account Size | $400,000 | $400,000 |
In this independent head-to-head comparison of Fintokei vs AquaFunded, we break down challenge rules, pricing, profit splits, and payout conditions to help you decide which prop firm is the better fit for your trading style.
Fintokei: 3-Hour Payouts. TradingView Platform. €4M Scaling.
AquaFunded: 100% Profit Split. Refundable Fees. On-Demand Instant Funding.
Based on our independent scoring methodology, Fintokei scores 9.3/10 overall — but the best choice depends on your specific needs. Read the full comparison below.
BestProp Score: Fintokei scores 9.3/10 vs AquaFunded at 7.8/10.
Minimum Fee: Fintokei starts from $44; AquaFunded starts from Refundable.
Profit Split: Fintokei offers 80% → 100%; AquaFunded offers 100%. Fintokei has the higher split.
Platforms: Fintokei supports TradingView, MT5, cTrader; AquaFunded is on MT5, cTrader, TradeLocker, MatchTrader.
Tradeable Markets: Fintokei covers Forex, Metals, Energy, Indices; AquaFunded offers Forex, Metals, Indices, Crypto, Commodities.
Challenge fees are typically the biggest factor when choosing a prop firm. Here is how Fintokei and AquaFunded compare on pricing.
Fintokei challenge fees start from $44. The firm has operated since 2023.
AquaFunded challenge fees start from Refundable. The firm has operated since 2023. They have funded over 240,000+ traders. Total payouts to date: $7,000,000+.
Fintokei profit split: 80% → 100%. AquaFunded profit split: 100%. Fintokei delivers the higher cut to traders.
Payout frequency: Fintokei pays On-demand (avg 3h 4m); AquaFunded pays Bi-weekly (challenge) / On-demand (instant). Faster payouts are better for cash flow management.
Here is our full independent review of Fintokei:
Fintokei is the prop trading product of Purple, a Czech fintech group with roots going back to 2011. The platform itself launched in 2023 under CEO David Varga and has rapidly built a reputation for two things: industry-leading payout speed (3 hours 4 minutes average) and genuine program diversity — four distinct evaluation paths covering beginners through professional traders.
Headquartered in Brno, Czech Republic, Fintokei is EU-based and positions itself as a transparent, education-first firm. Up to three free trial accounts are available before any purchase, and all programs come with a built-in loyalty program for active traders.
Fintokei suits a wide range of traders thanks to its four-program structure. The StartTrader 3-step path with 2%/3%/6% incremental targets is genuinely designed for traders still building consistency — not just labelled as a beginner product. The SwiftTrader 100% profit split with no phase 2 target is one of the most competitive single-step offers available for experienced traders. ProTrader’s $400,000 maximum account size and €4M scaling ceiling attract serious full-time traders.
Note: Fintokei covers forex, metals, energies, and indices but does not currently offer crypto or stock CFDs on its own platform. Traders who need crypto exposure should look at crypto-specific prop firms.
Four evaluation paths:
Fintokei supports three platforms — a notably different combination from most competitors:
Tradable instruments: forex pairs, CFD metals, CFD energies, CFD indices. Zero commission on oil and indices. Max risk per trade: 3% across all programs.
Fintokei earns an 8.4 BestProp score. The 3-hour payout average is the fastest we have seen. The TradingView platform integration is unique in the prop firm space. The SwiftTrader 100% profit split and the €4M scaling ceiling are both class-leading features. The EU foundation and Purple fintech group backing provide credibility that many standalone prop firms lack.
The trade-offs: no crypto or stocks, StartTrader’s 50% starting split is low, and the 180-day maximum time limit on StartTrader adds pressure for beginners. For forex and commodities traders who prioritise payout speed, platform quality, and high scaling ceilings, Fintokei is one of the strongest offerings in the 2026 prop firm landscape.
Here is our full independent review of AquaFunded:
AquaFunded was founded in December 2023 and is headquartered in the UAE under CEO Jason Blax, who also runs AquaFutures, the futures-focused sibling brand. The two platforms share a brand identity but serve different markets: AquaFutures covers CME futures, while AquaFunded handles forex, metals, indices, crypto and commodities via CFD. With 240,000+ registered traders and $7M+ in distributed rewards, AquaFunded is the larger of the two brands by trader volume.
AquaFunded offers four programme types covering the full spectrum from beginner-accessible to instant-funded. The 100% profit split across all challenge accounts is a headline feature, as are the 100% refundable challenge fees. The Aqua Trader instant funding path skips evaluation entirely and provides on-demand payouts from day one, suited to experienced traders who want capital without a challenge phase.
The No Denials payout policy is stated as a core commitment. However, the external customer rating of 3.5/5 diverges significantly from the internal 9.4/10 rating, suggesting some traders have experienced friction. Weight independent ratings carefully when assessing payout reliability for this firm.
Four platforms: MatchTrader, TradeLocker, MetaTrader 5, cTrader. Instruments: forex, metals, indices, crypto, commodities. Payment options include Visa, Mastercard, Amex, Apple Pay, Bitcoin, Ethereum. Restricted countries, news trading policy, EA permissions and weekend holding rules were not published on the sources reviewed – verify on the live site before purchasing.
AquaFunded earns a 6.5 BestProp score. The 100% profit split, 100% refundable challenge fees, on-demand instant funding and four-programme variety are genuine positives. The sibling relationship with AquaFutures under CEO Jason Blax gives the brand an established operational structure from launch. The external customer rating of 3.5/5 is the second-lowest in our database – a meaningful gap from the internal platform score that traders should factor into their decision.
Overall, our independent scoring gives Fintokei the edge in this 2026 comparison. However, both firms have their merits. If AquaFunded better matches your specific trading style, instruments, or preferred platform, it may still be the right choice for you.
Use our comparison table above and review the challenge fees at both firms before making your final decision. Both offer risk-free evaluation programs — the challenge fee is the only money at risk.
Based on our independent scoring, Fintokei scores higher overall (9.3/10). The best choice depends on your trading style, preferred instruments, and account size.
Both firms have similar entry-level pricing. Compare the full fee schedule for your target account size.
Fintokei offers the higher profit split. Fintokei: 80% → 100%. AquaFunded: 100%.
EA policies: Fintokei — check the review. AquaFunded — check the review. Always verify the latest policy directly with the firm.
News trading: Fintokei — check the review. AquaFunded — check the review.
Read the full Fintokei review → · Read the full AquaFunded review →
Based on our scoring methodology, Fintokei edges ahead in this comparison. However, the best choice depends on your trading style, preferred platform and account size. Read the full breakdown above for a detailed verdict.
Fintokei offers 80% → 100% profit split, while AquaFunded offers 100% profit split. Check each firm's current terms as these can change.
Check our offers page for the latest verified deals on both firms.
Both firms aim for fast payouts. Check each firm's website for the current payout schedule, as processing times may vary.
Neither Fintokei nor AquaFunded are regulated in the traditional financial sense — prop firms operate as private companies providing traders access to simulated or real capital. Always read the terms and conditions carefully before participating in any prop challenge.
