Our editorial team compared every key metric — fees, rules, profit split, payouts — so you can pick the right firm.
| Feature | FundsCap | Audacity Capital |
|---|---|---|
| Payout | ||
| Profit Split | Up to 90% (2-Step) / 70% (Instant) | 50-95% (scales over time) |
| First Payout | - | 14 |
| Payout Frequency | On request (up to 72h processing) | Bi-weekly (Ability Challenge), Weekly (FTP) |
| Max Account Size | $500,000 | $240,000 |
In this independent head-to-head comparison of FundsCap 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.
FundsCap: Best Two Step Challenge 2025. 12% Max DD. From $49. 38,000+ Traders.
Audacity Capital: One of the oldest prop firms globally, with generous drawdown limits and 12+ years of operation.
Based on our independent scoring methodology, FundsCap scores 8.3/10 overall — but the best choice depends on your specific needs. Read the full comparison below.
BestProp Score: FundsCap scores 8.3/10 vs Audacity Capital at 7.8/10.
Minimum Fee: FundsCap starts from $49; Audacity Capital starts from $49. Audacity Capital is cheaper at entry level.
Profit Split: FundsCap offers Up to 90% (2-Step) / 70% (Instant); Audacity Capital offers 50-95% (scales over time). FundsCap has the higher split.
Platforms: FundsCap supports MT4, MT5; Audacity Capital is on MetaTrader 5.
Tradeable Markets: FundsCap covers Forex, Indices, Commodities, Crypto; Audacity Capital offers Forex, Metals, Indices.
Challenge fees are typically the biggest factor when choosing a prop firm. Here is how FundsCap and Audacity Capital compare on pricing.
FundsCap challenge fees start from $49. The firm has operated since 2023. They have funded over 38,000+ traders.
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, Audacity Capital offers a lower starting fee — an important factor if you are testing with a smaller account first.
FundsCap profit split: Up to 90% (2-Step) / 70% (Instant). Audacity Capital profit split: 50-95% (scales over time). FundsCap delivers the higher cut to traders.
Payout frequency: FundsCap pays On request (up to 72h processing); Audacity Capital pays Bi-weekly (Ability Challenge), Weekly (FTP). Faster payouts are better for cash flow management.
Here is our full independent review of FundsCap:
FundsCap was founded in 2023 and operates through a Saint Lucia-registered entity with a physical office in Costa Rica. The firm has attracted 38,000+ traders and holds a 4.6/5 Trustpilot rating with 89% five-star reviews. FundsCap won two categories at the FundedTrading Awards 2025: Best Two Step Challenge and Best Prop Firm for Beginners. Maximum account size on the 2-Step program is $500,000. All accounts operate on MetaTrader 4 and MetaTrader 5.
The 2-Step program stands out for its 12% maximum drawdown — significantly wider than the 8-10% typical among competitors — paired with a 6% daily loss limit. This gives traders meaningful room to manage normal daily volatility without account termination. Zero payout fees and no inactivity cost outside the 15-day trading requirement add to the operational cleanliness.
2-Step Challenge ($49-$2,389 for $5K-$500K): Phase 1: 8% profit target. Phase 2: 5% profit target. Daily loss: 6% (balance-based). Max drawdown: 12% (balance-based, static). No time limit on either phase. Up to 90% profit split on funded accounts. Minimum account reset fee: 10% of the challenge price. A 15-day inactivity rule applies — at least one trade must be placed within any 15-day window. Best in class for maximum drawdown buffer among standard evaluation programs.
Instant Challenge ($258-$978 for $25K-$100K): No profit target. Daily loss: 3%. Max drawdown: 8% (static). 70% profit split. Immediate funded access without evaluation. Available only up to $100K — smaller range than the 2-Step program. Tighter daily limit (3%) offsets the lower maximum drawdown requirement.
Platforms: MetaTrader 4, MetaTrader 5. Instruments: Forex, Indices, Commodities, Cryptocurrencies. Standard CFD instrument set covering all major categories. $0 withdrawal fees.
FundsCap earns a 7.2 BestProp score. The 12% maximum drawdown on the 2-Step program is the widest buffer available at this price point ($49 for $5K) in the market — this single feature makes FundsCap particularly suitable for traders who employ strategies with higher intraday variance but consistent results over time. The dual FundedTrading Awards 2025 recognition provides third-party validation, and 38,000+ traders on a 4.6/5 Trustpilot is a solid credibility foundation for a two-year-old firm.
Watch points: the Instant Challenge is limited to $100K maximum and pays only 70% — traders seeking both instant access and high split will need to look elsewhere. The 15-day inactivity closure rule is stricter than most competitors. Payout methods are not clearly published on the main website — confirm withdrawal options before purchasing larger accounts. The Saint Lucia/Costa Rica entity structure is common but adds a layer of opacity compared to UK or EU-registered competitors.
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 FundsCap 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, FundsCap scores higher overall (8.3/10). The best choice depends on your trading style, preferred instruments, and account size.
Audacity Capital offers a lower entry-level challenge fee. However, always compare the full account sizes you plan to trade before deciding purely on price.
FundsCap offers the higher profit split. FundsCap: Up to 90% (2-Step) / 70% (Instant). Audacity Capital: 50-95% (scales over time).
EA policies: FundsCap — check the review. Audacity Capital — check the review. Always verify the latest policy directly with the firm.
News trading: FundsCap — check the review. Audacity Capital — check the review.
Read the full FundsCap review → · Read the full Audacity Capital review →
Based on our scoring methodology, FundsCap 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.
FundsCap offers Up to 90% (2-Step) / 70% (Instant) 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.
FundsCap processes first payouts in - day(s), while Audacity Capital takes approximately 14 day(s). Always verify current payout timelines on the firm's website.
Neither FundsCap 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.
