Build your comparison
Fintokei vs Topstepwhich prop firm deserves your challenge fee?
Quick verdict
Safer counterparty
Fintokei
Faster payouts
Fintokei
Better for smaller budgets
Fintokei
Rule stability
Too close to call
Feature comparison
| Feature |  Fintokei |  Topstep | Winner |
|---|---|---|---|
| Starting price | $44 | $49 | Fintokei |
| Challenge model | 1-step, 2-step, 3-step | 1-step | Tie |
| Max funding | $400K | $750K | Topstep |
| Max profit split | 100% | 90% | Fintokei |
| Payouts | Bi-weekly (14-day cycle), instant processing | Weekly at best | Tie |
| Track record | Established 2023 | Established 2012 | Topstep |
| Trader rating | New — no ratings yet | New — no ratings yet | Tie |
| Headquarters | 🇨🇿 Czech Republic | 🇺🇸 United States | Tie |
| Overall score | 72 | 66 | Fintokei |
Both firms are scored from our ongoing research — the score dials above update as new data and trader input land. Read the full breakdowns on the Fintokei review and the Topstep review.
Fintokei — strengths & weaknesses
Pros
- Backed by Purple Holding / Purple Trading, a broker group operating since 2011 — real LP-sourced quotes
- Industry-first instant payouts, advertised as fast as 2.8 seconds; bi-weekly 14-day cycle
- Four programs across 1-, 2- and 3-step models, entries from $44
- Up to 100% profit split on SwiftTrader; ProTrader scales to $400K
- No time limit on the flagship ProTrader; MT5, cTrader and TradingView supported
Cons
- Simulated-account model and explicitly unregulated (no regulated investment service provided)
- Narrow instruments — FX and CFDs on metals, energies and indices only; no crypto, no stocks
- Recurring complaints about discretionary 'internal risk management' and account reviews
- Scaling program retired in January 2026 and replaced mid-cycle — current progression terms are in flux
Topstep — strengths & weaknesses
Pros
- Longest track record in futures funding (2012), FIA member, published pass-rate and payout statistics
- Genuine live progression backed by an FCM — not sim-only payouts
- TopstepX discipline tools (personal loss limits, trade limits) and next-business-day payout processing
- $49/month entry with a reset credit included in each renewal
Cons
- 2026 changes cut the deal: flat 90/10 split, lower per-payout caps, and reserve-locked live accounts
- Combine Maximum Loss Limit trails intraday on open equity — unrealized wicks can breach you
- Monthly subscription costs stack during long evaluations
- Trustpilot fell to 3.4 amid the payout-policy backlash
72
VS66
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