Bitcoin
1 confirmation · usually under 10 minutes.
BTC mainnet · network fee at cost
TFC FunderUK Reg. 17173699
Our capital. Your trades. Paid to your phone in 24 hours.
TFC Funder is a UK-registered prop firm. Pass one evaluation from $39, trade up to $200K of firm capital, and keep up to 90% of the profit. Cheaper to start than FTMO, and paid out on EcoCash, M-Pesa, MTN MoMo, or USDT.
- Challenges
- from $39
- Profit split
- up to 90%
- Payout
- under 24h
- Countries
- 42+
- Platform
- TradeLocker
- Fee back
- on payout #1
Why traders switch. Three facts.
01 · Price
$39
The cheapest seat in the house. FTMO’s smallest challenge costs around $89; ours starts at $39, and stays cheaper at every matching account size. The fee comes back with your first payout.
02 · Speed
24hrs
Request a payout and it lands the same day, weekends included. No wire queues, no 5-day settlement, no “processing” limbo while your profit sits in someone else’s account.
03 · Rails
Local.
EcoCash in Harare. M-Pesa in Nairobi. MTN MoMo in Lagos and Accra. Airtel, USDT, BTC anywhere on earth. Your payout arrives on the wallet already in your pocket, not a correspondent bank.
TFC Funder Ltd · UK Reg. 17173699 · 71-75 Shelton Street, London · on the Companies House public register
The ledger
TFC against FTMO, on the record.
Most traders land here comparing the two. Here is the short version, printed. The last row goes to FTMO; we publish it anyway, because a comparison you cannot lose is not a comparison.
Cheapest way inTFC$39 ($5K account)FTMO~$89 (no $5K tier)
Payout speedTFCUnder 24 hoursFTMO1-2 business days + banking
Mobile money payoutsTFCEcoCash · M-Pesa · MTN · AirtelFTMONone
Profit splitTFCUp to 90%FTMO80%, up to 90% after scaling
Min trading days (1-Step)TFCNoneFTMO4 days
Daily drawdown (1-Step)TFC3%FTMO5%
The honest comparison
Six complaints every trader has about prop firms. Six policies we wrote in response.
None of these are made up. They're the patterns that show up in every Trustpilot review thread of every prop firm in this industry. We built TFC by reading them and answering each one on the record.
01
“I passed the challenge, then they delayed my payout citing a rule I'd never seen.”
The industry pattern: Stealth rules in fine print. Manual review queues that take weeks. Refunds via wire that take 3–5 business days on top of the review.
Our policy
Every rule is on /rules before you buy. Payout window opens 30 days from your funding date and pays within 24 hours of request, weekends included. Mobile money or crypto, no wire.
02
“My best day was 41% of my total profit, so they cancelled the pass.”
The industry pattern: Consistency rules that effectively cap your profit at 30–40% of your biggest day. Pass on a great trade, get reset.
Our policy
No consistency rule. We judge how you trade (5-minute minimum hold-time per day, minimum 8 closed trades, no single-trade passes), not how the wins land.
03
“Their max drawdown trails up, I gave back gains and instantly failed.”
The industry pattern: Trailing max drawdown that ratchets with your equity peak. Make 8%, draw back 5%, you're failed even though you started in profit.
Our policy
Static max drawdown from your original balance. 10% on a $100K 2-Step means your floor is $90K and stays $90K. The only number that moves is your own.
04
“I can't trade NFP, FOMC, ECB, the only times retail actually moves the needle.”
The industry pattern: News blackouts ranging from 2 minutes to 30 minutes around scheduled releases. Spreads widened 10× during the window if trading is technically allowed.
Our policy
Trade what you want, when you want. Real MT5 spreads, no widening around news. The only constraint is the public drawdown rules.
05
“The firm is registered in Saint Vincent. There's no recourse if they don't pay.”
The industry pattern: Shell-company domiciles in St. Vincent, Seychelles, Belize. No regulator, no consumer-protection law, no court.
Our policy
TFC Funder Ltd · UK Registered · Reg. No. 17173699 · London. Companies House public registry. UK consumer law applies.
06
“I'm in Zimbabwe / Kenya / Nigeria. Wire transfers eat half my payout in fees.”
The industry pattern: USD-only wire payouts with $40+ correspondent banking fees. Crypto support announced but never delivered. Mobile money: never.
Our policy
Pay directly to your EcoCash, M-Pesa, MTN MoMo, or Airtel Money, same numbers we accept payments on. Or USDT / BTC to a wallet. Local, fast, low-fee.
If you find a rule that surprised you after you paid, reply to any email and we’ll refund the challenge cost. We’d rather lose the sale than the relationship.
The route
Buy. Trade. Pass. Get paid.
The whole loop, faster than your bank can settle a wire.
01
Buy a challenge
Pick a size, $5K to $200K, 1-Step or 2-Step. One fee from $39, refunded on your first payout.
02
Trade on TradeLocker
Live credentials by email in minutes. Web, mobile, or desktop, one login everywhere.
03
Pass the evaluation
Hit the target without breaching daily or max drawdown. No minimum trading days on 1-Step.
04
Get paid in 24 hours
Request a payout once funded. It lands on your wallet inside a day, weekends included.
The price list
One fee. Refunded on payout #1.
$5K
Account size
$39one-timeUp to 90% profit split
Start →$10K
Account size
$79one-timeUp to 90% profit split
Start →$25K
Account size
$149one-timeUp to 90% profit split
Start →- Most popular
$50K
Account size
$249one-timeUp to 90% profit split
Start → $100K
Account size
$399one-timeUp to 90% profit split
Start →- Flagship
$200K
Account size
$799one-timeUp to 90% profit split
Start →
Cheaper entry than FTMO & FundingPipsSame-day mobile-money payouts they don’t offer
Payouts
Get paid where you live.
The only prop firm that pays straight to your mobile wallet. Request today, spend tomorrow. Network fees passed through at cost, typically under $1 on USDT, with no firm-side withdrawal markup. Ever.
Early access
First traders in get 10% off at checkout.
Payment Methods42+ countries · payouts under 24h
Pay how you want. Get paid the same way.
One-time entry fee. Refunded on your first payout. Whatever you fund the account with, that's how you get paid.
Ethereum
ERC20 · settles in seconds, gas at cost.
ETH mainnet · ~30 sec finality
USDT
Stablecoin payouts on the chain you choose.
TRC20 · ERC20 · BEP20 · Solana · Polygon
Mobile Money
Cash to your wallet, same day across Africa.
EcoCash · M-Pesa · MTN · Airtel · Orange · Vodafone
Card
Visa & Mastercard via Stripe in 40+ countries.
Stripe · 3DS protected · instant
Bank Transfer
Manual reconciliation for any rail we don't yet auto-route.
Same-day Africa · 1–2 business days global
- Payouts in under 24 hours from request.
- Fee refunded on your first payout.
- No firm-side withdrawal markup. Network fees passed through at cost.
Start a Challenge Pick your account size · pay once · MT5 credentials in minutes.
The platform
Real TradeLocker. No sim wrapper.
Live credentials by email within minutes of purchase. Real-time execution and modern charting with nothing to install: log in from any browser, the iOS and Android apps, or the desktop client, and your account follows you.
EUR/USD1.0847+0.21%
XAU/USD2,401.5+0.83%
GBP/USD1.2734−0.14%
US3039,128+0.42%
BTC/USD67,420+1.07%
EUR/USD
1.0847
+0.0023 (+0.21%)
Open position
EUR/USDLONG
Size0.50 lotsEntry1.0824Now1.0847P&L+$115.00
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What traders say
From traders
across Africa.
Real trader reviews coming soon
Follow us on Trustpilot →Ready when you are
Pass the evaluation. Get paid in 24 hours.
Join traders across 42+ countries.
TFC Funder Ltd · London · UK Reg. 17173699