# Moneta Funded — rules, pricing and payouts

> Moneta Funded — proprietary trading firm tracked by Prop Firm Pal.

**Source:** https://propfirmpal.com/firms/unverified/moneta-funded  
**Generated:** 2026-10-07  
**Publisher:** Prop Firm Pal — independent prop firm comparison

_Prop Firm Pal earns affiliate commission from some listed firms. This is disclosed on-site and does not affect the computed ranking order._

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## Key terms
| Field | Value |
| --- | --- |
| Verification | Listed, not verified |
| Community rating | no reviews yet |
| Evaluation types | not published |
| Cost to a $100,000 funded account | not published |
| Cheapest entry price | not published |
| Instant funding | not offered |
| Account sizes | not published |
| Maximum profit split | not published |
| Phase 1 profit target | not published |
| Daily drawdown | not published |
| Maximum drawdown | not published |
| Platforms | not published |
| Instruments | not published |
| Payment methods | not published |
| Payout methods | not published |
## Is Moneta Funded legit?

Prop Firm Pal has not verified Moneta Funded, so this is not an endorsement: it is what the record shows. Its website has been active in Prop Firm Pal's monthly traffic record since December 2025, and traffic over the last three months is falling sharply. Its payout policy is published, and summarised on the Payouts tab.

| Record | What we hold |
| --- | --- |
| In our traffic record | Since December 2025 (9 months) |
| Traffic, last three months | Falling sharply (-46% to August 2026) |


## What this firm publishes

Moneta Funded is a forex and CFD prop firm backed by the brokerage Moneta Markets, and its help centre names David Bily as founder and CEO of both. It runs six programs on MT5 and Match-Trader: Instant Funding and Instant Funding Pro accounts with no evaluation, a 1-Step and a 2-Step challenge, the Phoenix Scaling Program and the time-based Sprint Challenge. Standard account sizes run from $5,000 to $100,000 with an 88% profit split once funded, and Instant Funding also sells a cheaper 60% split. Phoenix scales through 11 levels from $2,500 to $2,000,000, and the Sprint Challenge pays a 100% profit split if its target is hit within 1, 2, 4 or 8 hours. MT5 is not offered to US traders; Match-Trader is.

The Moneta Funded rules change with the program. The 1-Step sets a 10% profit target with a 3% daily loss and a 6% static max loss. The 2-Step needs 5% in Phase 1 and 10% in Phase 2, with a 5% daily and 10% max loss or a lower-cost 4% and 8% option. Those two and Phoenix require 3 profitable days of at least 0.5%, and nothing outside the Sprint has a time limit. Instant Funding carries a 3% daily loss, a 5% trailing drawdown and a 15% or 20% consistency rule; Instant Funding Pro allows 4% daily and 8% trailing, caps profit at 4% a day and is the only program where news trading is allowed. Everywhere else, trades may not be opened or closed 5 minutes either side of high-impact news. On funded accounts, a 2% or 3% floating loss on one symbol closes those trades and moves the account to a 1.5% risk-per-trade-idea limit that breaches if exceeded. Hedging, martingale, grid trading, HFT and copying other people's trades are prohibited.

Payouts can be requested every 14 calendar days from $100, the first one 14 days after the first trade, though Instant Funding Pro's first payout is on demand. Moneta Funded says payouts are usually processed within 24–48 business hours, in USDC or USDT or to a Moneta Markets account, after KYC. An unused challenge can be refunded within 14 calendar days, and the 1-Step and 2-Step fee comes back with the 4th payout. Commission is $4 per lot round trip on forex and metals. Prices are not published on the pages read.

_Compiled from Moneta Funded's own published pages, retrieved 2026-09-14. Not independently verified by Prop Firm Pal._

| Field | Value | Source |
| --- | --- | --- |
| founders | David Bily | [published page](https://help.monetafunded.com/en/articles/14058476-get-to-know-moneta-funded) |
| ceo | David Bily | [published page](https://help.monetafunded.com/en/articles/14058476-get-to-know-moneta-funded) |
| broker | Moneta Markets | [published page](https://help.monetafunded.com/en/articles/14058476-get-to-know-moneta-funded) |
| platforms | MetaTrader 5, Match-Trader | [published page](https://help.monetafunded.com/en/articles/12178595-trading-platforms-offered-at-moneta-funded) |
| availableAssets | Forex, Metals, Indices, Energy (Oil), Crypto, Commodities | [published page](https://help.monetafunded.com/en/articles/13269403-what-can-i-trade-on-moneta-funded-list-of-allowed-instruments-symbols-assets) |
| payoutMethods | Crypto (USDC-ERC20, USDT-ERC20, USDT-TRC20), Moneta Markets account | [published page](https://help.monetafunded.com/en/articles/13803356-payout-methods-and-how-to-request-payouts-at-moneta-funded) |
| payoutFrequency | Every 14 calendar days, the first 14 days after the first trade; Instant Funding Pro's first payout is on demand | [published page](https://help.monetafunded.com/en/articles/13803356-payout-methods-and-how-to-request-payouts-at-moneta-funded) |
| restrictedCountries | Afghanistan, Thailand, Vietnam, Cuba, Myanmar, North Korea, UAE, Iran, Venezuela | [published page](https://help.monetafunded.com/en/articles/12607025-prohibited-countries) |
| maxProfitSplitPercent | 88 | [published page](https://help.monetafunded.com/en/articles/12533211-the-phoenix-scaling-program) |
| consistencyRulePercent | 20 | [published page](https://help.monetafunded.com/en/articles/13345521-how-does-the-consistency-rule-work-at-moneta-funded) |
| positioning | A broker-backed prop trading firm, backed by the brokerage Moneta Markets | [published page](https://help.monetafunded.com/en/articles/14058476-get-to-know-moneta-funded) |
| targetTrader | Traders who value structure, transparency and long-term opportunity | [published page](https://help.monetafunded.com/en/articles/14058476-get-to-know-moneta-funded) |
| maxAccountSize | 100000 | [published page](https://help.monetafunded.com/en/articles/13240975-how-big-can-the-capital-be-that-i-manage-maximum-capital-allocation) |
| maxAllocation | 2400000 | [published page](https://help.monetafunded.com/en/articles/13240975-how-big-can-the-capital-be-that-i-manage-maximum-capital-allocation) |
| scalingPlan | Phoenix Scaling Program: 11 levels from $2,500 to $2,000,000; reaching a 10% profit target moves the account up a level and converts that profit into withdrawab | [published page](https://help.monetafunded.com/en/articles/12533211-the-phoenix-scaling-program) |
| refundPolicy | Refund within 14 calendar days of purchase only if no trade has been placed; the 1-Step and 2-Step challenge fee is also refunded with the 4th payout | [published page](https://help.monetafunded.com/en/articles/12542419-moneta-funded-refund-policy) |
| kycRequirements | Required before a funded account is issued or any payout: government-issued photo ID and a live selfie, verified by Sumsub; VPN and VPS use during KYC is prohib | [published page](https://help.monetafunded.com/en/articles/12692772-completing-kyc-at-moneta-funded) |
| minPayoutAmount | $100 | [published page](https://help.monetafunded.com/en/articles/13803356-payout-methods-and-how-to-request-payouts-at-moneta-funded) |
| payoutProcessingTime | Usually within 24–48 business hours, excluding weekends and international public holidays | [published page](https://help.monetafunded.com/en/articles/13803356-payout-methods-and-how-to-request-payouts-at-moneta-funded) |
| supportChannels | Email, Live chat | [published page](https://help.monetafunded.com/en/articles/12542419-moneta-funded-refund-policy) |
| supportHours | 24/7 | [published page](https://www.monetafunded.com/) |
| fees | [object Object] | [published page](https://help.monetafunded.com/en/articles/13904591-1-step-challenge) |
| rules | [object Object], [object Object], [object Object], [object Object], [object Object], [object Object], [object Object], [object Object], [object Object], [object | — |
| plans | 38 plans | [published page](https://help.monetafunded.com/en/articles/12532267-moneta-funded-product-offerings) |

## Frequently asked questions

### What is Moneta Funded's profit split?

Funded accounts on the 1-Step, 2-Step, Phoenix and Instant Funding Pro programs pay an 88% profit split. Instant Funding lets you choose 60% or 88% at purchase, and the Sprint Challenge pays 100% when its target is reached.

### Does Moneta Funded offer instant funding?

Yes, two versions. Instant Funding has no profit target, a 3% daily loss, a 5% trailing drawdown and a consistency rule, while Instant Funding Pro has 4% daily, 8% trailing, a 4% daily profit cap and allows news trading; both come in sizes from $5,000 to $100,000.

### What are the Moneta Funded challenge rules?

The 1-Step challenge needs a 10% profit target within a 3% daily and 6% static max loss. The 2-Step needs 5% then 10%, with either 5% daily and 10% max or 4% and 8%, and both require 3 profitable days of at least 0.5% with no time limit.

### Does Moneta Funded have trailing drawdown?

Only on the instant accounts. Instant Funding trails 5% and Instant Funding Pro 8%, and the level stops trailing once it reaches the starting balance; the 1-Step, 2-Step and Phoenix use static drawdown.

### Does Moneta Funded have a consistency rule?

Only on Instant Funding, where no more than 15% or 20% of total profit, depending on the option bought, may come from a single day. It resets after each payout, and Instant Funding Pro, 1-Step, 2-Step and Phoenix have none.

### Does Moneta Funded allow news trading?

Only on Instant Funding Pro. On every other program, in both challenge and funded phases, you cannot open or close a trade from 5 minutes before to 5 minutes after a red-folder news event, and profits from breaking the rule may be deducted.

### Does Moneta Funded allow EAs and copy trading?

With limits. An EA must be your own custom build or a copier between your own accounts, commercial EAs and signal services are banned, and copy trading is allowed only between Moneta Funded accounts in your name; EAs are not allowed on the Sprint Challenge.

### How do Moneta Funded payouts work?

You can request a payout of $100 or more every 14 calendar days, with the first available 14 days after your first trade (on demand for Instant Funding Pro). Payouts go out in USDC or USDT crypto or to a Moneta Markets account, usually within 24–48 business hours, after KYC.

### How much does a Moneta Funded challenge cost?

Moneta Funded's prices are not shown on the pages read. Its help centre only says the 15% consistency and 60% profit split options on Instant Funding, and the 4% / 8% 2-Step option, cost less than the alternatives.

### Does Moneta Funded refund the challenge fee?

Only if the account has not been traded. A written refund request can be made within 14 calendar days of purchase before any trade is placed, and 1-Step and 2-Step traders get the fee back with their 4th payout on the same account.

### Which countries are restricted at Moneta Funded?

Moneta Funded is not available to residents of Afghanistan, Cuba, Iran, Myanmar, North Korea, Thailand, the UAE, Venezuela or Vietnam; citizenship alone is not a restriction. US traders can use Match-Trader, but MT5 is only available to non-US traders.

### Is Moneta Funded legit?

Moneta Funded says it is backed by the brokerage Moneta Markets and names David Bily as founder and CEO of both. No licence or regulator is named on the pages read, and its rules describe funded accounts as simulated.

## Related pages
- [Moneta Funded rules](https://propfirmpal.com/firms/unverified/moneta-funded/rules) — markdown: https://propfirmpal.com/firms/unverified/moneta-funded/rules.md
- [Moneta Funded payouts](https://propfirmpal.com/firms/unverified/moneta-funded/payouts) — markdown: https://propfirmpal.com/firms/unverified/moneta-funded/payouts.md
- [All prop firms compared](https://propfirmpal.com/best-prop-firms)
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- [Moneta Funded web traffic history](https://propfirmpal.com/firms/unverified/moneta-funded/traffic)