My Funded Futures operates a structured system across four distinct plans: Rapid, Flex, Pro, and Builder, making the exact My Funded Futures payout rule critical for your trading success. Traders can retain up to a 90% profit split on specific tiers, with all successful withdrawals processed securely through Riseworks. Knowing these specific conditions is essential to securing your hard-earned profits and preventing unexpected rejections.
Key My Funded Futures payout rules:
1. Plans & Profit Splits:
- Rapid Plan: 90% profit split
- Flex, Pro, and Builder Plans: 80% profit split
2. Payout Frequency:
- Rapid Plan: Daily
- Builder Plan: Every 48 hours
- Pro Plan: Bi-weekly
- Flex Plan: 5 winning days with $100+ profit each
3. Minimum Withdrawal:
- Flex Plan: $250
- Rapid and Builder Plans: $500
- Pro Plan: $1,000
4. Consistency Rule:
- Builder Plan: No single day can exceed 50% of total profit
- Rapid and Pro Plans: No consistency rule
5. Balance Requirement:
- All Plans: Account must exceed minimum profit threshold above starting balance before withdrawal
6. Processing:
- All Plans: Instant approval; manual reviews take 6 to 12 business hours on weekdays
7. Drawdown Reset:
- All Plans: MLL resets to static $100 after first successful payout
8. Payment Method:
- All Plans: Riseworks only; ACH Bank Transfer or Cryptocurrency
To help you navigate this process, H2T Funding breaks down the official policy, clarifying every minimum withdrawal, buffer, and consistency condition. With this guide, you will learn how to request payouts efficiently and avoid common compliance mistakes that delay your funds.
1. What are the My Funded Futures payout rules?
My Funded Futures (MFFU) has four funded plans: Rapid, Flex, Pro, and Builder, each with its own payout rules. All plans share the same foundation: you must complete KYC verification and create a Riseworks account before submitting any withdrawal request.
Payouts are distributed through Riseworks, allowing you to receive funds via bank transfer (ACH) or cryptocurrency. Most requests are handled rapidly; however, if a manual review is required, expect a 6–12 business-hour window on weekdays for approval.
Profit splits vary significantly depending on your chosen path. Rapid traders retain 90% of their earnings, while Flex, Pro, and Builder accounts are structured with an 80% profit share for the trader.
All traders initially enter a sim-funded environment where they trade virtual capital under real-time market conditions. You must maintain consistency and meet specific transition criteria before moving to a live funded account.
2. My Funded Futures payout rules by plan: Rapid, Flex, Pro, and Builder compared
Each MFFU plan targets a different trader profile. Here’s what each plan requires before you can withdraw.
| Rapid | Flex | Pro | Builder | |
|---|---|---|---|---|
| Profit Split | 90% | 80% | 80% | 80% |
| Payout Frequency | Daily | After 5 winning days | Every 14 cal. days | Per cycle (2+ days) |
| Min. Withdrawal | $500 | $250 | $1,000 | $500 |
| Consistency Rule | None | None | None | 50% (payout cycle) |
| Live Transition | Performance-based | 5 payouts/ sim cap | 3 payouts / $20K | After 5th payout (fixed) |
2.1. Rapid Plan
The Rapid Plan offers daily payouts starting just 24 hours after your very first trade. Unlike other tiers, this plan imposes no consistency rules, allowing you to capitalize on high-volatility days without penalty.
To qualify for a withdrawal, the My Funded Futures payout rule requires you to surpass a specific profit buffer and meet the minimum threshold. Once this buffer is secured, the minimum withdrawal amount is $500 for all Rapid account sizes.
| Account Size | Required Buffer | Minimum Withdrawal |
|---|---|---|
| 50k Rapid | $2,100 | $500 |
| 100k Rapid | $3,100 | $500 |
| 150k Rapid | $4,600 | $500 |
As of January 12th, 2026, traders on this sim-funded plan retain 90% of their generated profits, marking it as the most lucrative split available. Additionally, achieving a $10,000 net profit in one day triggers an automatic transition to a live account.
Payout example: 50k Rapid account earns $3,600 above buffer -> request $3,600 -> trader receives $3,240 (90%). No per-cycle cap applies.
2.2. Flex Plan
To withdraw from a Flex account, you must complete 5 qualifying winning days, each meeting the required minimum daily net profit. Once these conditions are met, approved profits are paid out at an 80% split, provided your request remains within the withdrawal limits for your account size.
| Plan | Min. Daily Profit | Max Payout / Request | Min. Withdrawal |
|---|---|---|---|
| 25k Flex | $100 / day | $3,000 | $250 |
| 50k Flex | $150 / day | $5,000 | $250 |
The My Funded Futures payout rule for this plan limits each request to 50% of your total net profits, up to the plan maximum. After receiving your initial payout, your Max Loss Limit resets to $100, requiring highly disciplined position sizing moving forward.
To illustrate, if a 25k Flex account earns $4,000 across 5 qualifying days, the maximum request is 50% ($2,000). Under the 80% split, the trader receives a final payout of $1,600. Flex traders transition to a live account after 5 consecutive payouts or upon reaching a $100,000 sim cap.
2.3. Pro Plan
The Pro Plan operates on a structured schedule, allowing traders to request payouts every 14 calendar days from their first trade. It is important to note that this plan is subject to an inactivity rule, requiring consistent participation to maintain withdrawal eligibility.
A unique aspect of the My Funded Futures payout rule for Pro accounts is the ability to withdraw up to 60% of profits before the buffer is fully cleared. This provides traders with earlier access to their earnings compared to plans with rigid buffer requirements.
| Account Size | Required Buffer | Minimum Withdrawal |
|---|---|---|
| 50k Pro | $2,100 | $1,000 |
| 100k Pro | $3,100 | $1,000 |
| 150k Pro | $4,600 | $1,000 |
While the minimum withdrawal is set at $1,000, the maximum lifetime payout cap for the sim-funded stage is a generous $100,000 per user. This allows successful traders to scale their withdrawals significantly before transitioning to further stages.
2.4. Builder Plan
The Builder Plan is MFFU’s newest offering, caps withdrawals at $2,000 per cycle, with a mandatory transition to a live account after five successful sim payouts.
Unlike other plans, the Builder Plan enforces a strict 50% consistency rule during the sim-funded stage. This means your largest single-day profit cannot exceed half of your total profit for that specific withdrawal cycle.
| Parameter | Builder Default ($153) | Builder Add-On ($125) |
|---|---|---|
| Max Loss Limit (MLL) | $2,000 EOD trailing | $1,500 EOD trailing |
| Required Buffer | $2,100 | $1,600 |
| Min. Balance for 1st Payout | $2,600 | $2,100 |
| Max Payout per Cycle | $2,000 | $2,000 |
| Consistency Rule | 50% | 50% |
| Max Sim Payouts | 5 — then Live | 5 — then Live |
| Profit Split | 80% | 80% |
To receive your first payout, you must hold a net profit of at least $500 above the buffer. Subsequent requests only require $500 in new net profit since your last approved withdrawal, provided you trade for at least two days in the cycle.
For example, a trader on the Default plan earning $3,600 total profit first clears the $2,100 buffer. The remaining $1,500 net profit is eligible for withdrawal, resulting in a final payment of $1,200 after the 80% split.
Once you complete your fifth sim payout, you transition to a live funded account where payouts are processed daily. Notably, the consistency rule is removed in the live stage, though your Max Loss Limit remains static once it reaches $0.
3. The Buffer Requirement explained: Why you can’t withdraw immediately
The buffer is a profit threshold you must cross before MFFU allows a payout request. It equals your Maximum Loss Limit (MLL) plus $100. The buffer protects both the firm and you; it confirms your account has a real trading edge before funds leave the sim system.
| Plan | Account Size | MLL | Buffer |
|---|---|---|---|
| Rapid / Pro | 50k | $2,000 | $2,100 |
| Rapid / Pro | 100k | $3,000 | $3,100 |
| Rapid / Pro | 150k | $4,500 | $4,600 |
| Builder Default | 50k | $2,000 EOD | $2,100 |
| Builder Add-On | 50k | $1,500 EOD | $1,600 |
✅ Pro Plan exception: Pro traders can withdraw up to 60% of profits before fully clearing the buffer. Builder and Rapid traders must clear the buffer completely before any payout request is accepted. Flex has no buffer; it uses the 5 winning days system instead.
4. My Funded Futures payout methods and processing time: Bank transfer vs. Cryptocurrency
MFFU processes all payouts through Riseworks (formerly Rise), instead of transferring funds directly to your bank account. Once funds arrive in Riseworks, you choose your withdrawal method:
- ACH bank transfer: Primarily used by traders based in the US
- Cryptocurrency: Used by both US and international traders
Utilizing a specialized processor like Riseworks ensures compliance with global financial regulations and provides a transparent history of your earnings. You must complete your Riseworks account setup and KYC verification before submitting your first request to prevent any administrative processing delays.
Most withdrawals move from MFFU to Riseworks within minutes of approval. However, if a manual audit is triggered, the review may take 6 to 12 business hours during the standard work week before the funds appear in your account.
ℹ️ Tax note: US traders who received payouts via Plaid/ACH get 1099 documents sent to their MFFU email. Traders paid through the RiseWorks platform receive 1099 documents directly from Rise’s tax processing department, mailed to the address on file with your Rise account. Monitor your email and spam folder during tax season.
5. Payout cap and account lifecycle: From Sim to Live
Each plan has a different route to a live funded account. The Builder Plan is the only one with a fixed, non-discretionary transition trigger.
| Plan | Sim Payout Cap | Live Trigger | Risk Team Discretion? |
|---|---|---|---|
| Rapid | None (no hard cap) | $10K in 1 day OR performance review | Yes |
| Flex | $100,000 total | 5 consecutive payouts OR $100K sim cap | Yes (partial) |
| Pro | $100,000 total | 3 payouts OR $20K profit milestone | Yes (can fast-track) |
| Builder | $2,000 × 5 = max $10,000 sim | After the 5th approved payout | No (automatic) |
For Builder accounts, the live stage introduces significant benefits, including daily payouts processed within minutes and the total removal of the 50% consistency rule. Furthermore, your Max Loss Limit becomes static once it reaches $0 above your starting balance.
21-Day Cooldown – Builder Live Accounts Only
If your Builder live account is closed due to a Maximum Loss Limit breach, a 21-day cooldown period begins immediately. During this period:
- (1) All sim-funded account trading is prohibited.
- (2) No new evaluations or account resets may be purchased. After 21 calendar days, all restrictions are lifted, and you can resume from any active sim account and buy new evaluations.
We highlight that these lifecycle rules are designed to ensure only consistent traders reach the live market. Mastering these transitions is just as important as hitting your profit targets to ensure long-term account sustainability.
6. How to request a withdrawal from My Funded Futures sim-funded account
The withdrawal process is standardized across all plans, requiring traders to meet financial thresholds and complete identity verification before funds are released. Following these steps carefully will ensure your request is processed without administrative delays.
To successfully receive your earnings, follow this step-by-step guide:
- Confirm Payout Eligibility: Ensure you have passed the evaluation and cleared the plan-specific profit buffer. Double-check that you have met any required winning days or consistency rules.
- Complete KYC Verification: Navigate to Personal Settings > KYC on the MFFU dashboard to submit your identity documents. KYC rejection is the leading cause of held payouts, so ensure your ID matches your profile exactly.
- Set Up a Riseworks Account: MFFU utilizes Riseworks as its primary payment partner. You must create an account and sign the necessary agreements on their platform before submitting a request.
- Submit Your Request: Access the MFFU payout dashboard to finalize your submission. While many requests are approved instantly, manual reviews can take 6–12 business hours during the work week.
Crucial Builder Plan Check: If you are on the Builder Plan, verify your 50% consistency ratio before Step 4. If your best trading day accounts for more than half of your total cycle profits, your request will be denied until you trade more days to rebalance the ratio.
7. Real trader insight for My Funded Futures payout rule Reddit
Reddit discussions regarding the My Funded Futures payout rule often center on the Maximum Loss Limit (MLL) resetting to $100 after the first withdrawal. Some traders view this as a significant challenge, as it leaves very little room for error once a payout is processed.
“Take a payout and then they’ll make practically impossible to trade anymore on that account… if my account balance falls a 100$ it breaches the rule and my account is failed.” — u/ArabianTrader, /r/PropFirmTester
However, experienced traders argue that this is a standard industry practice for risk protection. Without this reset, firms could face insolvency if traders withdrew all gains while maintaining full drawdown cushions.
“Every platform does this… it’s a buffer, the company would go bankrupt if they let you go 2k into drawdown every time.” – u/awaythrow7163, /r/PropFirmTester
Beyond the debates, many users share success stories that reinforce the firm’s legitimacy. A trader on r/Daytrading shared their $2,400 payout journey after two weeks of trading, noting:
“The biggest thing is knowing when not to trade & how to control your emotions (greed, fear, FOMO).” – u/Firm_Diet, r/Daytrading
Ultimately, the consensus among profitable Reddit traders is that MFFU is reliable but requires a specific strategy. Success depends on building a substantial profit buffer beyond the minimum requirements before requesting your first major withdrawal to keep the account active.
8. Common reasons My Funded Futures payout requests get delayed or denied
Most payout issues are entirely avoidable if you strictly adhere to your plan’s specific terms. Understanding these failure points helps you ensure a seamless withdrawal process and prevents the frustration of a rejected request.
| Issue | Which Plans | How to Fix |
|---|---|---|
| KYC not completed | All plans | Complete identity check in Personal Settings |
| Buffer not cleared | Rapid, Builder, Pro | Continue trading until the threshold is surpassed |
| Below minimums | All plans | Ensure balance meets plan-specific minimums |
| Consistency violation | Builder only | Trade more days to dilute the best-day ratio |
| Low trading days | Builder only | Complete at least 2 trading days in the cycle |
| Inactivity breach | Pro, Builder | Place at least 1 trade every 7 calendar days |
| Cooldown active | Builder Live | Wait out the 21-day period |
Many traders face denials because they attempt to withdraw before clearing the required buffer. For Rapid and Builder plans, you must hold the full buffer amount plus the minimum withdrawal to qualify for a payout.
On the Builder plan specifically, a 50% consistency rule violation is a common pitfall. If your single best day accounts for more than half of your total profit, you must continue trading to balance your performance before resubmitting your request.
9. My Funded Futures payout rules vs. Other futures prop firms
When comparing the My Funded Futures payout rule to major competitors like Apex Trader Funding and Topstep, MFFU stands out for its flexibility and speed of payment. While most industry leaders rely on bi-weekly or monthly schedules, MFFU offers a unique daily payout option through its Rapid Plan.
Another significant advantage is the fully transparent transition to live funding. Unlike many firms where moving to a live account is discretionary, MFFU’s Builder Plan provides an automated pathway after five payouts, giving traders a clear and predictable career trajectory.
| Criteria | MFFU | Apex | Topstep |
|---|---|---|---|
| Profit Split | 90% (Rapid) / 80% (Others) | 90% | 90% |
| Payout Frequency | Daily to Bi-weekly | Bi-weekly | Monthly |
| Consistency Rule | None on others 50% on Builder (payout cycle only) | 50% | Yes |
| Daily Loss Limit | None on others $1,000 on $50K Builder account | Yes | Yes |
| Buffer / Safety Net | Yes on Rapid, Pro, Builder | Safety Net | None |
| Min. Withdrawal | $250 (Flex) $500 (Rapid, Builder) $1,000 (Pro) | $500 | $125 |
| Live Path Clarity | Yes – Builder: fixed at 5 payouts | Discretionary | Discretionary |
Key difference: MFFU Rapid is the only plan across all four firms offering daily payouts with no consistency rule and a 90% split. The Builder Plan fills a different niche, a structured live progression, that no other firm listed here replicates exactly. Apex’s 50% consistency rule is similar to Builder’s, but Apex has no mandatory live transition trigger.
To see how this compares in detail, you can also look at Apex Trader Funding payout rules and Topstep payout structure in detailed. Both firms use different payout cycles and consistency requirements that directly affect how traders get paid.
10. FAQs
Minimum withdrawals differ by plan: $250 on Flex, $500 on Rapid and Builder, and $1,000 on Pro.
Most payout requests are approved instantly. If a manual review is needed, processing takes 6–12 business hours on weekdays. Holidays are excluded.
Rapid and Pro have no consistency rule. Flex requires 5 winning days with a daily profit floor. Builder applies a 50% consistency rule at the payout stage only: your best single day can’t exceed 50% of total cycle profits. There is no consistency rule during the Builder evaluation.
Rapid traders keep 90% (effective January 12, 2026). Flex, Pro, and Builder traders keep 80%, including on live Builder accounts.
All payouts go through Riseworks. After approval, funds land in your Riseworks account. You then withdraw via ACH bank transfer or cryptocurrency. First-time payouts require signing agreements via email.
Builder caps at $2,000 per cycle, with 5 sim payouts total ($10,000 maximum sim earnings). Flex caps at $3,000 (25k plan) or $5,000 (50k plan) per request. Pro has a $100,000 total sim cap. Rapid has no defined per-cycle cap.
On the Pro Plan only: yes, up to 60% of profits before the buffer is fully cleared. Rapid and Builder require full buffer clearance before any withdrawal. Flex doesn’t use a buffer, it uses the winning days system instead.
Builder is MFFU’s structured sim-to-live plan. It runs on a $2,000 per-cycle payout cap with a mandatory 5-payout live transition, no Risk Team discretion required. Pro offers higher earning potential in sim ($100K cap), and more flexible transition criteria, but the path to live is less predictable.
You are promoted to a live funded account automatically. The live account has daily payouts, no consistency rule, the same EOD trailing drawdown as your sim option, and a $1,000 daily soft pause.
11. Conclusion
Mastering the My Funded Futures payout rule is the essential final step in turning your trading skills into tangible financial rewards.
Rapid gives daily access at 90% with no consistency restriction. Flex structures withdrawals through qualifying winning days. Pro caps sim earnings at $100,000 with pre-buffer withdrawal flexibility. Builder is the most defined path: payout frequency every 48 hours, five payouts, fixed live transition, no Risk Team judgment call.Ready to take your futures trading to the next level? Stay updated with the latest Prop Firm & Trading Strategies by exploring more resources at H2T Funding.
