Our editorial team compared every key metric — fees, rules, profit split, payouts — so you can pick the right firm.
| Feature | Fintokei | Audacity Capital |
|---|---|---|
| Payout | ||
| Profit Split | 80% → 100% | 50-95% (scales over time) |
| First Payout | — | 14 |
| Payout Frequency | On-demand (avg 3h 4m) | Bi-weekly (Ability Challenge), Weekly (FTP) |
| Max Account Size | $400,000 | $240,000 |
In this independent head-to-head comparison of Fintokei vs Audacity Capital, 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.
Audacity Capital: One of the oldest prop firms globally, with generous drawdown limits and 12+ years of operation.
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 Audacity Capital at 7.8/10.
Minimum Fee: Fintokei starts from $44; Audacity Capital starts from $49. Fintokei is cheaper at entry level.
Profit Split: Fintokei offers 80% → 100%; Audacity Capital offers 50-95% (scales over time). Fintokei has the higher split.
Platforms: Fintokei supports TradingView, MT5, cTrader; Audacity Capital is on MetaTrader 5.
Tradeable Markets: Fintokei covers Forex, Metals, Energy, Indices; Audacity Capital offers Forex, Metals, Indices.
Challenge fees are typically the biggest factor when choosing a prop firm. Here is how Fintokei and Audacity Capital compare on pricing.
Fintokei challenge fees start from $44. The firm has operated since 2023.
Audacity Capital challenge fees start from $49. The firm has operated since 2012. They have funded over 500,000+ traders. Total payouts to date: $250,000,000+.
On entry-level pricing, Fintokei offers a lower starting fee — an important factor if you are testing with a smaller account first.
Fintokei profit split: 80% → 100%. Audacity Capital profit split: 50-95% (scales over time). Fintokei delivers the higher cut to traders.
Payout frequency: Fintokei pays On-demand (avg 3h 4m); Audacity Capital pays Bi-weekly (Ability Challenge), Weekly (FTP). 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 Audacity Capital:
Audacity Capital was founded in 2012, making it one of the longest-running prop trading firms in the world. UK-registered (Companies House 11652683) under CEO Karim Yousfi, the firm claims over $250 million paid out to traders and 500,000+ funded traders globally — numbers built over more than a decade of operation. The firm offers three programs: the 2-phase Ability Challenge, the 1-step Ability One, and the Funded Trader Program (FTP / Instant Funding).
The Ability Challenge is a two-phase evaluation. Phase 1 requires a 10% profit target with a 7.5% daily drawdown and 15% max drawdown — among the most generous drawdown limits in the industry. Phase 2 requires 5% with tighter 5%/10% limits. The Ability One is a single-phase evaluation with a 10% target, 3% daily, and 6% max drawdown. The FTP (Instant Funding) provides immediate funded access with up to 95% profit split and weekly payouts.
The Ability Challenge uses a trailing drawdown that resets daily when equity hits new highs. This mechanism confuses some traders — the daily limit recalculates at each new equity peak, meaning a trader can technically be in breach even while net-profitable over the full period. Review the drawdown rules carefully before trading.
News trading is allowed on the Ability Challenge without restrictions. The FTP requires a 30-minute waiting period after major economic events. EAs and copy trading are permitted. HFT, cross-account hedging, and martingale strategies are prohibited. Traders from the US, Syria, Iran, and North Korea cannot access the platform.
Ability Challenge payouts are made every 14 days via bank wire, Wise, PayPal, or crypto. The profit split starts at 50-75% on the Ability Challenge and scales to 95% over time. FTP accounts pay weekly at up to 95% immediately.
Trustpilot score is 3.4/5 from 1,067 reviews. While the majority of reviews are positive, approximately 125 are 1-star — prospective traders should review recent trader experiences before committing to the platform.
Overall, our independent scoring gives Fintokei the edge in this 2026 comparison. However, both firms have their merits. If Audacity Capital 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.
Fintokei offers a lower entry-level challenge fee. However, always compare the full account sizes you plan to trade before deciding purely on price.
Fintokei offers the higher profit split. Fintokei: 80% → 100%. Audacity Capital: 50-95% (scales over time).
EA policies: Fintokei — check the review. Audacity Capital — check the review. Always verify the latest policy directly with the firm.
News trading: Fintokei — check the review. Audacity Capital — check the review.
Read the full Fintokei review → · Read the full Audacity Capital 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 Audacity Capital offers 50-95% (scales over time) profit split. Check each firm's current terms as these can change.
Check our offers page for the latest verified deals on both firms.
Fintokei processes first payouts in a variable timeframe, while Audacity Capital takes approximately 14 day(s). Always verify current payout timelines on the firm's website.
Neither Fintokei nor Audacity Capital 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.
