What ProTrader is
ProTrader is Fintokei’s flagship: a two-step evaluation (+8%, then +6%) that mirrors the industry-standard Challenge-and-Verification model popularized by FTMO. Pass both phases and you trade a funded (simulated-capital) account on an 80% split.
Within the lineup it is the default choice, for one concrete reason: it has by far the most forgiving loss limits of the three plans.
This review reflects the official plan pages as of July 2026. For the lineup side by side, see Fintokei plans compared; verify current terms on the official site before buying.
Pricing and account sizes
On the Japanese site (JPY, tax included):
| Tier | Demo capital | Fee |
|---|---|---|
| Quartz | ¥1M | ¥12,500 |
| Crystal | ¥2M | ¥21,800 |
| Pearl | ¥5M | ¥39,800 |
| Ruby | ¥10M | ¥69,800 |
| Sapphire | ¥20M | ¥108,800 |
| Topaz | ¥35M | ¥199,800 |
| Emerald | ¥50M | ¥298,800 |
Seven tiers — the widest range in the lineup. The global site runs comparable USD/EUR plans from roughly $5K to $400K (from around €49). Post-certification, the Dojo scaling program advertises account growth up to ¥200M.
The rules at a glance
| Item | Value |
|---|---|
| Evaluation steps | 2 |
| Profit targets | +8% → +6% |
| Daily max loss | -5% |
| Overall max loss | -10% |
| Max risk on open positions | -3% |
| Minimum trading days | 3 per step |
| Time limit | None |
| Activity requirement | One trade every 30 days |
| Profit split | 80% |
No consistency rule appears on the plan page and there is no deadline — of the three plans, ProTrader places the fewest constraints on how you win.
The key advantage: double the room for error
The practical case for ProTrader is the -5% daily / -10% overall allowance, roughly twice what SwiftTrader and StartTrader permit.
That margin matters most for traders active in volatile windows — New York session, data releases, thin Asia liquidity. A surprise move that costs you -2% leaves a -5% budget workable; under a -3% budget, one more losing trade ends the attempt.
The structure is also favorable in the other direction: the Step 1 target (+8%) is smaller than the total loss allowance (-10%). That is the opposite of SwiftTrader’s arithmetic (+10% target, -6% room) and makes normal drawdowns survivable rather than terminal.
One shared constraint still applies: combined open-position risk is capped at -3%, so unbounded floating losses are not an option.
Split, refund, and payout mechanics
- The split is a flat 80% — below SwiftTrader’s listed 100%, but fixed from day one, unlike StartTrader’s dynamic 50-100%
- Per official documentation, the evaluation fee is credited back with the first payout, meaning a certified trader effectively recovers the entry cost at the first withdrawal (confirm current conditions)
- Payouts follow the standard Fintokei cycle: bi-weekly, all positions closed, KYC complete, with JPY bank transfers available for Japanese accounts — see the Fintokei payout guide
The Swing and Slim variants
Two variants exist alongside the standard plan:
- ProTrader Swing — built for longer holds and weekend positions
- ProTrader Slim — tuned for short-term holding styles
Both differ from the standard plan in limits and pricing. The figures in this review apply to the standard ProTrader only; check each variant’s page before choosing one.
What ProTrader does well
- The loosest loss limits in the lineup (-5% daily / -10% overall)
- No deadline and no consistency rule — maximum freedom in how you trade
- Fee credited back with the first payout
- Seven account tiers plus scaling to ¥200M
- The industry-standard structure transfers well if you later try FTMO or others
Where it falls short
- 80% split versus SwiftTrader’s listed 100%
- Two phases mean +14% of cumulative target — the most total profit required of any plan
- Minimum 3 trading days per step makes the fastest possible pass about a week
- Like all Fintokei plans, the account is simulated and rewards are paid as data-provision fees
Who should buy it
- Anyone who wants the standard, no-surprises prop evaluation experience
- Traders active during volatile sessions who need drawdown headroom
- Traders who dislike consistency rules and other constraints on winning style
- Swing traders holding over weekends (via the Swing variant)
If split percentage is your priority and your risk control is genuinely tight, compare SwiftTrader; if entry cost is the constraint, see StartTrader.
Verdict: the default for a reason
ProTrader is the least quirky product Fintokei sells — industry-standard structure, generous limits, no deadline, and an entry fee you get back with the first payout. The 80% split loses the spec-sheet battle against SwiftTrader, but a split only matters if you pass, and ProTrader is the plan most traders can actually pass.
If your honest worst day can exceed -3%, this is the Fintokei plan to buy.
For passing tactics, see how to pass the Fintokei evaluation; for the rulebook in depth, see Fintokei’s evaluation rules explained.
Recommended prop firms
Fintokei — Japan-focused, JPY payouts
Fully localized Japanese product with payouts to Japanese bank accounts in JPY, alongside standard international options. ProTrader is its flagship two-step plan.
→ Fintokei official (coupon code FINTO5KEI for 5% off)
FTMO — the industry benchmark
Operating since 2015 with the industry’s largest published payout track record — the original of the model ProTrader follows.