TFC Funder vs FTMO
If you’re tired of waiting on FTMO payouts, paying for a wire that takes a week, or fighting bank fees from Africa — read on. Otherwise stick with FTMO.
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.
I currently pay FTMO for a account.
The 5 rows that decide it
Entry price, profit split, payout speed, drawdown, payout methods. Honest scoring — winner marked per row.
| What matters most | TFC Funder | FTMO |
|---|---|---|
| Entry price (lowest tier) | ✓$79 | $89 |
| Profit split (top tier) | Up to 90% | Up to 90% |
| Payout speed | ✓Under 24 hours (crypto) | 1–2 business days + banking |
| 1-Step daily drawdown | 3% | ✓5% |
| Payout methods | ✓Crypto (BTC/ETH/USDT/USDC) + wire | Wire only |
See full feature comparison (16 rows)
| Feature | TFC Funder | FTMO |
|---|---|---|
| 2-Step entry price ($10K) | ✓$79 | ~$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 |
| Platform | TradeLocker (modern) | MT4 + MT5 + cTrader + DXTrade (legacy) |
| Instant account delivery | ✓ Minutes | ✓ Minutes |
| Emerging-market focus | ✓✓ Native payouts + pricing | ✗ Standard |
Our promise to switchers
Real commitments, written into how we operate.
Built for speed and access
In-person bootcamps + masterclasses across Africa
TFC will be hosting in-person bootcamps and masterclasses across Africa — live trading sessions, real-world skill-building, and a community of traders working through challenges shoulder-to-shoulder. Access is for TFC members only: pass a challenge, get the invite. FTMO operates remote-only — no events, no physical presence in Africa, no community layer.
Five things FTMO does better
An honest recommendation
- You trade from Africa, the Middle East, South Asia, or anywhere wire transfers are slow or expensive
- You want payouts in crypto — BTC, ETH, USDT, USDC — settled in under 24 hours
- You’re price-sensitive: 15–30% cheaper at every tier above $10K
- You want to pay with mobile money or crypto, not just card
- You want a founder-led firm where support answers in minutes
- You’re based in Europe and already use SEPA wires — you won’t feel the payout delta
- You want the maximum 1-Step drawdown buffer (FTMO: 5% daily vs TFC: 3%)
- Brand recognition matters more to you than payout speed or price
- You’re trading $25K+ accounts where price gaps matter less in absolute terms
Here’s how it works — takes 5 minutes
No migration paperwork. Your FTMO strategy works here the same way — the rules are nearly identical.
Common questions
Is TFC Funder cheaper than FTMO?＋
Yes. TFC's 2-Step starts at $79 for a $10K account. FTMO's equivalent $10K 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 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.
Fee refunded on your first payout.
Same guarantee as FTMO — if you pass and earn your first payout, your challenge fee comes back. So the only real question is price and payout speed. And on both, we win.
FTMO is a registered trademark of FTMO s.r.o. TFC Funder is not affiliated with, endorsed by, or sponsored by FTMO. All comparisons are based on publicly available information at the time of publication (June 2026) and are provided for informational purposes only. Pricing and rules may change; verify current details on each firm’s official site before making a decision.