What is the difference between a Funded account and Fty Direct?
A Funded account is earned by passing a challenge and pays an 80% split from the start. Fty Direct skips the challenge; its split grows from 60% to 80%.
FTWritten by Ftytrade Team
Updated October 11, 2026
Updated October 11, 2026
Both are live accounts where you trade for payouts. The difference is how you get there and the exact rules once you are in.
How you get it
- Funded account (FTY-LIVE): earned by passing a Challenge Rapid or Challenge Steady.
- Fty Direct: bought directly, no challenge, funded from day one.
Side by side
| Funded (from challenge) | Fty Direct | |
|---|---|---|
| How to get it | Pass a challenge | Pay once, no challenge |
| Payout split | 80% from the first payout | 60% → 70% → 80% |
| Safety Net | 3% | 4.5% |
| Max Drawdown | 3% (end of day) | 5% (end of day) |
| Daily Loss Limit | 1.5% (soft) | 2% (soft) |
| Consistency rule | 40% | 30% |
| Payouts per month | Up to 2 | Up to 2 |
| Minimum payout | $249 | $249 |
Which one should I choose?
- Choose a challenge if you want the lowest entry cost and the full 80% split from your very first payout, and you don’t mind proving yourself first.
- Choose Fty Direct if you want to start trading for payouts immediately, with a larger drawdown cushion and a lower consistency requirement, in exchange for a split that starts at 60%.
What they have in common
- Simulated accounts on real-time market data.
- No positions held over the weekend; news trading allowed.
- Payouts sent within hours of approval, paid from the company’s own funds.