Prop Firm Comparison · 2026

TFC Funder vs FTMO

Q: Is TFC Funder cheaper than FTMO?

Yes. TFC's 2-Step challenge starts at $69 for a $10K account. FTMO's equivalent entry-level challenge is around $89 for $10K. For larger accounts, TFC is typically 15–30% less expensive.

Q: How long do TFC payouts take vs FTMO?

TFC processes crypto payouts in under 24 hours on average. FTMO takes 1–2 business days via wire transfer, with an additional 3–5 days of banking settlement on the receiving end. For traders in Africa, Asia, and emerging markets, the delta is even larger.

Q: Does TFC support crypto payouts?

Yes — natively. TFC pays out in BTC, ETH, USDT, and USDC. FTMO does not support crypto payouts; all FTMO payouts go via bank wire or select payment processors depending on region.

Q: What's the profit split at TFC vs FTMO?

TFC offers up to 90% profit split. FTMO offers up to 90% profit split after scaling (80% default). Both reach 90% — TFC reaches it faster.

Q: Which prop firm has easier rules?

Rules are comparable. Both offer 1-Step and 2-Step evaluations with profit targets of 8–10% and drawdown limits of 5% daily / 10% total. The key difference is execution: TFC has no minimum trading days on the 1-Step, FTMO requires 4 trading days minimum.

Honest side-by-side. Pricing, payout speed, crypto support, rules — everything that actually matters.

Registered company

100+

Challenges sold

21+

Countries served

<24h

Payout window

We’re newer than FTMO — and built specifically for the markets they treat as an afterthought. Client funds segregated. Crypto payouts native. No banking middlemen.

Your savings

I currently pay FTMO for a account.

FTMO

$540

→

TFC

$459

You save $81 per attempt — 15% cheaper for the same $100K account.

Switch & save another 10% with code SWITCH10 →

The details

Full comparison

Rows where TFC wins are highlighted green. Rows where FTMO wins are amber. Ties are neutral.

Feature	TFC Funder	FTMO
2-Step entry price ($10K)	✓$69	~$89
1-Step challenge	✓✓ From $99	✓ From $155
Max account size	$200,000	$200,000
Profit split	Up to 90%	Up to 90%
Payout speed	✓< 24 hours	1–2 business days + banking
Crypto payouts	✓✓ BTC / ETH / USDT / USDC	✗ Wire only
Crypto payments	✓✓ Native	Limited
Fee refunded on payout	✓ Yes	✓ Yes
Profit target (1-Step)	10%	10%
Daily drawdown (1-Step)	3%	5%
Max drawdown (1-Step)	6%	10%
Min trading days (1-Step)	✓None	4 days
Evaluation time limit	✓Up to 60 days	Up to 30 days
MT5 support	✓	✓
Instant account delivery	✓ Minutes	✓ Minutes
Africa / emerging-market focus	✓✓ Native payouts + pricing	✗ Standard

Coming from FTMO?

Our promise to switchers

No track record yet to point you to. Here’s what we commit to instead.

Same rules, lower price

If you’ve already passed FTMO’s rules, ours are familiar — only the price is different.

Direct WhatsApp support

No ticketing system. The founder reads every message. Reply times in minutes, not days.

Fee refunded on first payout

Same as FTMO — pass and your challenge fee comes back with payout #1.

10% off your first switch

Use code SWITCH10 at checkout. Stacks on top of our already-lower base pricing.

Where TFC wins

Built for speed and access

✓

Crypto payouts in under 24 hours

TFC pays in BTC, ETH, USDT, or USDC directly to your wallet. Most payouts clear in under 24 hours. FTMO requires wire transfer — fast for Europe, painful for everyone else.

✓

Cheaper entry at every account size

TFC 2-Step $10K is $69. FTMO equivalent is around $89. That gap holds (and widens) at $25K, $50K, $100K, $200K.

✓

No minimum trading days on 1-Step

Hit the profit target and pass. FTMO requires 4 trading days minimum — even if you pass faster.

✓

Longer evaluation window

TFC gives you up to 60 days. FTMO gives you 30. More time = less pressure = fewer forced trades.

✓

Native emerging-market support

Crypto-first payouts work in Africa, Asia, and Latin America where banking wires can take 5–7 business days. We built TFC specifically for the markets most prop firms treat as an afterthought.

Where FTMO is stronger

We’re not better on every axis

If these matter more than anything else to you, FTMO is the right call. Honesty matters more than winning the page.

Track record

FTMO has been operating since 2015. TFC is newer.

But: TFC is UK Registered (Companies House), client funds are segregated, and over 100 challenges have already been sold across 21+ countries.

More forgiving 1-Step drawdowns

FTMO allows 5% daily vs TFC's 3% on 1-Step.

But: TFC's 2-Step has identical drawdowns to FTMO's — and is ~$20 cheaper at every account size.

Brand recognition

FTMO is the most well-known prop firm globally.

But: brand recognition doesn't pay you faster. Crypto rails do — TFC pays in under 24 hours, FTMO takes wire + banking days.

FAQ

Common questions

Is TFC Funder cheaper than FTMO?＋

Yes. TFC's 2-Step starts at $69 for a $10K account. FTMO's equivalent entry-level is ~$89. For larger accounts, TFC is typically 15–30% cheaper.

How long do TFC payouts take vs FTMO?＋

TFC processes crypto payouts in under 24 hours on average. FTMO takes 1–2 business days via wire, plus 3–5 days of banking settlement on the receiving end. For traders in Africa, Asia, and emerging markets, the delta is even larger.

Does TFC support crypto payouts?＋

Yes — natively. TFC pays in BTC, ETH, USDT, and USDC. FTMO doesn't support crypto payouts; all FTMO payouts go via wire or regional payment processors.

What's the profit split at TFC vs FTMO?＋

TFC offers up to 90% profit split. FTMO offers up to 90% after scaling (80% default). Both reach 90% — TFC reaches it faster.

Which prop firm has easier rules?＋

Rules are comparable. Both offer 1-Step and 2-Step evaluations with similar targets and drawdowns. The key difference is execution: TFC has no minimum trading days on 1-Step; FTMO requires 4 days minimum.

Made up your mind?

Switch from FTMO. Get 10% off your first challenge.

Code SWITCH10 auto-applies. Challenges from $69. MT5 instantly. Crypto payouts in under 24 hours.

Switch & Save 10% →View Full Pricing

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