What SwiftTrader is
SwiftTrader is the only Fintokei plan with a single-phase evaluation: hit +10% and you are certified as a pro trader. The plan table pairs that with a 100% profit split — the most aggressive headline numbers in the lineup.
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 reflects official information as of July 2026. 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 |
|---|---|---|
| Bronze | ¥2M | ¥23,800 |
| Silver | ¥5M | ¥44,800 |
| Gold | ¥10M | ¥74,800 |
| Platinum | ¥20M | ¥119,800 |
| Diamond | ¥35M | ¥228,800 |
The global site offers comparable USD/EUR plans in roughly the $10K-$200K range. Note the entry point is meaningfully higher than StartTrader’s — there is no cheap tier here.
The rules at a glance
| Item | Value |
|---|---|
| Evaluation steps | 1 |
| Profit target | +10% |
| Daily max loss | -3% |
| Overall max loss | -6% |
| Max risk on open positions | -3% |
| Minimum trading days | 5 |
| Time limit | None |
| Activity requirement | One trade every 30 days |
| Profit split | 100% (per plan table) |
No time limit means the one classic failure mode — running out the clock — does not exist. You can take months to compound toward +10% if your risk stays inside the limits.
The key issue: +10% target versus -6% of room
SwiftTrader’s structural difficulty is that the target (+10%) is larger than the total loss allowance (-6%).
Compare ProTrader: +8% target against -10% of room — more room than target. SwiftTrader inverts that. In practical terms, a trader running 1:1 risk-reward with a 50% win rate can plausibly exhaust -6% before reaching +10%. Win rate and risk-reward discipline matter more here than anywhere else in Fintokei’s lineup.
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. This is a plan for shallow stops and small, consistent position sizing — roughly 0.5% risk per trade.
The payout mechanics: the +3% milestone
Per the official FAQ and blog, SwiftTrader payouts are tied to a +3% profit milestone:
- Payouts unlock once the account is up +3% on initial capital
- Each subsequent payout request also requires +3% profit
- The first payout can arrive as soon as roughly two weeks after starting
One honest caveat: the plan page frames SwiftTrader as a one-step evaluation with a +10% target, while FAQ material describes trading “as a pro from day one” with payouts from +3%. The two descriptions likely reflect different revisions of the program. Before buying, ask support to confirm exactly how the +3% milestone and the +10% target interact in the current version.
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
- The highest listed split in the lineup (100% per the plan table)
- No time limit, so no forced trades to beat a deadline
- The +3% milestone structure breaks the road to payouts into small increments
Where it falls short
- The strictest limits of the three plans: -3% daily, -6% overall, -3% open risk
- The asymmetric target/allowance structure raises the effective difficulty
- Entry from ¥23,800 (or ~$100+ globally) — a failed attempt costs more than StartTrader
- Historical inconsistencies in how the split and payout terms are worded; verify before paying
Who should buy it
- Disciplined traders whose worst day stays comfortably under -3%
- Traders whose historical maximum drawdown fits inside -6% 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 -3%, 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, 100%-split (per plan table) option.
→ 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.