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, with prices, the fee refund and scaling rechecked on the official plan pages and FAQ on 2026-09-26. 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 | ¥21,500 |
| Pearl | ¥5M | ¥39,800 |
| Ruby | ¥10M | ¥69,800 |
| Sapphire | ¥20M | ¥109,800 |
| Topaz | ¥35M | ¥209,800 |
| Emerald | ¥50M | ¥309,800 |
Prices checked on the official plan page on 2026-09-26. Seven tiers — the widest range in the lineup — and the purchasable maximum is ¥50M. The global site runs separate USD/EUR plans from $5K to $400K (from around €49).
After certification, capital can grow through the Scaling Dojo, which started on 3 June 2026. Per Fintokei’s Japanese FAQ, it has five ranks from White belt to Black belt; rank-ups depend only on minimum trading days and payout requests (no profit-% condition), and Black belt adds +300% capital. The official SwiftTrader page states “scale up to ¥200 million (Challenge plan Emerald case)”, consistent with ¥50M × (1 + 300%) (both checked 2026-09-26). But Black belt requires 250 trading days and 24 payout requests (checked 2026-08-18 on the official FAQ chart), only one account per person can go beyond White belt, and each scale-up needs an e-mail application. It is not a number you reach quickly.
Fintokei’s English FAQ, by contrast, still says standard scaling was retired on 21 January 2026 and replaced by the Loyalty Program’s Capital Scaling Boost (up to +25% on newly issued accounts). Capital Scaling Boost enlarges your next-issued account; the Scaling Dojo grows the account you already hold, and both exist on the Japanese site.
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 (+6% target, -3% 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 90% (100% on the top Diamond tier), but fixed from day one, unlike StartTrader’s dynamic 50-100%
- The fee refund is conditional, not paid with the first payout. Per Fintokei’s Japanese FAQ (checked 2026-09-26), it is the White-belt benefit of the Scaling Dojo. The unfavourable conditions first: for accounts bought on or after 11 June 2026 it is paid only after White belt (20 trading days and 2 payout requests, checked 2026-08-18 on the official FAQ chart); the refund is the amount paid minus any coupon or discount; it needs an e-mail application to jpsupport@fintokei.com with all positions closed and the balance at or above the initial balance; StartTrader is not eligible. Accounts bought on or before 10 June 2026 got the fee under the old terms only if the first payout request was done by 30 June 2026. The plan page footnote reads 初期費用の返還 ※スケーリング道場の適用により (fee refund via the Scaling Dojo), while the English FAQ still says the old scaling ended on 21 January 2026. This article previously said the fee comes back with the first payout; we corrected it after confirming the Japanese FAQ. If you fail, or never reach White belt, nothing comes back
- 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
- Seven account tiers, plus the Scaling Dojo up to ¥200M in the Emerald case (Black belt: 250 trading days and 24 payout requests)
- The industry-standard structure transfers well if you later try FTMO or others
Where it falls short
- 80% split versus SwiftTrader’s 90% (100% on Diamond)
- 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
- The fee refund only comes after White belt (20 trading days, 2 payout requests), minus any discount, and the English FAQ still contradicts the Japanese one
- 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 and no deadline. The entry fee is only refunded if you later reach White belt in the Scaling Dojo, so do not count on getting it back. 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.
The free trial lets you test everything at no cost, and the 2-Step Challenge fee is refunded with your first payout after passing (no refund if you fail). See the FTMO free trial guide.