What SwiftTrader is
SwiftTrader is the only Fintokei plan with a single-phase evaluation: hit +6% and you are certified as a pro trader. The plan page lists a 90% profit split, with 100% only on the top Diamond tier.
The positioning is clear: for experienced traders who do not want to spend months in evaluation and want to keep the maximum share of profits. The price of those terms is the strictest day-to-day risk regime of the three plans.
This review has been rechecked against the official plan page (prices, fee refund and scaling on 2026-09-26) and corrects figures in our earlier version (+10% target, -3% daily, -6% overall, 5 minimum days, no time limit, 100% split). For the full lineup comparison, see Fintokei plans compared; always confirm current terms on the official site before buying.
Pricing and account sizes
On the Japanese site (JPY, tax included):
| Tier | Demo capital | Fee |
|---|---|---|
| Iron | ¥1M | ¥9,800 |
| Bronze | ¥2M | ¥17,800 |
| Silver | ¥5M | ¥29,800 |
| Gold | ¥10M | ¥54,800 |
| Platinum | ¥20M | ¥93,800 |
| Diamond | ¥35M | ¥179,800 |
Prices checked on the official plan page on 2026-09-26; they change, so confirm before buying. On the global USD site a $5,000 account starts at $44, the cheapest entry across Fintokei. The yen and USD ladders are separate price lists, not currency conversions of each other.
StartTrader’s smallest tier is ¥1M for ¥10,000, so in yen SwiftTrader Iron is actually slightly cheaper. Our earlier claim that SwiftTrader has no cheap tier was wrong. The price gap is negligible, so choose on rule strictness, not price.
The rules at a glance
| Item | Value |
|---|---|
| Evaluation steps | 1 |
| Profit target | +6% |
| Daily max loss | -2% |
| Overall max loss | -3% |
| Max risk on open positions | -3% |
| Minimum trading days | 3 |
| Time limit | 60 days maximum |
| Profit split | 90% (100% on the top Diamond tier) |
The 60-day cap means running out the clock is a real failure mode. Taking months to compound slowly toward the target is not an option on this plan.
The key issue: +6% target versus -3% of room
SwiftTrader’s structural difficulty is that the target (+6%) is twice the total loss allowance (-3%).
Compare ProTrader: +8% target against -10% of room — more room than target. SwiftTrader inverts that: you hit the disqualification line after moving half the target distance against you. The -2% daily allowance is also the narrowest of the three plans, so “fewer steps” does not mean “easier”.
The -3% cap on combined open-position risk closes the usual escape hatches: sitting through large floating losses or averaging down are effectively off the table. With only -3% of total room, risk per trade needs to be around 0.3% or a short losing streak uses up the allowance.
The payout mechanics: the +3% milestone
- The split is 90% (100% only on the top Diamond tier)
- Each payout request requires at least +3% profit on the initial balance, not just the first one
- You can request a payout 2 weeks after your first trade on the Pro account, and then 2 weeks after your previous request
The plan page’s 90% and the Loyalty Program blog’s “up to 100% by rank” rest on different premises, so ask support which applies to your account before buying.
Fee refund and scaling
The plan-fee (contract fee) refund is documented as the White-belt benefit of the Scaling Dojo, which started on 3 June 2026, in Fintokei’s Japanese FAQ (checked 2026-09-26). It is not unconditional. The unfavourable conditions first:
- For SwiftTrader, only accounts from 18 August 2025 onward are eligible; older SwiftTrader accounts are not
- For accounts bought on or after 11 June 2026, the refund is paid only after you reach White belt — 20 trading days and 2 payout requests (checked 2026-08-18 on the official FAQ chart). It does not come back when the Pro account starts
- The refund is the amount you paid minus any coupon or discount-code amount
- It is not automatic: you apply by e-mail from your registered address to jpsupport@fintokei.com, with all positions closed and the balance at or above the initial balance
- Accounts bought on or before 10 June 2026 got the fee under the old terms only if the first payout request was completed by 30 June 2026
| Source (checked 2026-09-26) | What it says |
|---|---|
| Plan page footnote | 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) |
| Japanese FAQ (Scaling Dojo) | Contract fee refunded on reaching White belt (for purchases from 11 June, net of discounts) |
| English FAQ (What is Scaling?) | Still says standard scaling ended 21 January 2026, replaced by Capital Scaling Boost (up to +25%) |
The discrepancy with the English FAQ remains. With SwiftTrader’s disqualification line this close, there is a real chance you never reach the second payout request that White belt requires, so budget for the fee not coming back.
The same SwiftTrader page also states “scale up to ¥200 million (Challenge plan Emerald case)” (checked 2026-09-26). That figure is for the top Challenge-plan (ProTrader) account reaching Black belt (+300% capital; 250 trading days and 24 payout requests, checked 2026-08-18 on the official FAQ chart) — it is not a SwiftTrader limit.
Payout logistics are shared across plans: bi-weekly cycle, all positions closed, KYC complete; see the Fintokei payout guide.
What SwiftTrader does well
- One phase — the shortest distance to certification
- Entry from ¥9,800, so a failed attempt costs little
- A 90% split, above ProTrader’s 80%
- Wire fees covered by Fintokei, with JPY payouts from ¥20,000
Where it falls short
- The strictest limits of the three plans: -2% daily, -3% overall, -3% open risk
- The asymmetric structure (+6% target against -3% of room) raises the effective difficulty
- A 60-day cap, so no slow accumulation
- 90% split; 100% is only on the top Diamond tier
- 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
Who should buy it
- Disciplined traders whose worst day stays comfortably under -2%
- Traders whose historical maximum drawdown fits inside -3% with margin
- Experienced candidates optimizing for split and speed, not learning
If this is your first prop evaluation, start elsewhere: StartTrader for cost, or ProTrader for breathing room, are saner first attempts.
Verdict: the best terms, behind the narrowest door
On paper, SwiftTrader offers the best deal Fintokei sells. Those terms only pay off for traders who can genuinely operate inside its limits.
The test is empirical: pull up your last three to six months of trading. If any single day exceeded -2%, you would have failed SwiftTrader that day. If your record fits, this is an efficient plan; if not, buy the plan whose limits match your reality instead of the one with the best headline.
Recommended prop firms
Fintokei — Japan-focused, JPY payouts
Fully localized Japanese product with payouts to Japanese bank accounts in JPY, alongside standard international options. SwiftTrader is its one-step, 90%-split option (100% on the top Diamond tier).
→ 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 classic two-step alternative if SwiftTrader’s limits do not fit.
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.