- Disclosure: both firms are affiliate partners of this site — we have no incentive to tilt this comparison
- The5%ers: 10 years of track record, scaling to $4M, English only
- Fintokei: JPY pricing, native Japanese/Korean support, payouts processed in about one business day
Full transparency first: this site has affiliate partnerships with both The5%ers and Fintokei. We earn either way, which is exactly why this comparison can afford to be blunt. Figures are from official sites as of July 2026 — verify before purchasing.
The companies
| Item | The5%ers | Fintokei |
|---|---|---|
| Founded | 2016 (among the oldest prop firms) | 2023 |
| Primary market | Global (English) | Japan and Asia (Japanese/Korean) |
| Currency | USD | JPY |
| Max capital | $4,000,000 (Hyper Growth) | ¥200,000,000 (scale-up plan) |
The5%ers’ core asset is longevity — ten years in an industry where firms regularly disappear. Fintokei’s core asset is being genuinely built for the Japanese market rather than translated into it.
Programs and pricing
| Tier | The5%ers | Fintokei |
|---|---|---|
| Two-step standard | High Stakes (from $19) | ProTrader (from ¥12,500) |
| One-step / instant | Hyper Growth (live from day 1, pricier) | SwiftTrader (one step, from ¥23,800) |
| Low-cost starter | Bootcamp (from $22) | StartTrader (three steps, from ¥10,000) |
The lineups mirror each other philosophically. The practical difference is currency: if you earn and bank in yen, Fintokei removes FX costs and card fees.
Evaluation rules (flagship programs)
| Item | The5%ers High Stakes | Fintokei ProTrader |
|---|---|---|
| Targets | 10% → 5% | 8% → 6% |
| Max loss | 10% | 10% |
| Daily loss | 5% | 5% |
| Minimum days | 3 profitable days (+0.5% each) | 3 trading days |
| Time limit | Unlimited | Effectively unlimited (1 trade per 30 days) |
Both track industry standards closely — rules will not decide this choice. One nuance: The5%ers counts only days closed at +0.5% or better toward its minimum, which is slightly stricter.
Splits and payouts
| Item | The5%ers | Fintokei |
|---|---|---|
| Starting split | 80% (High Stakes) / 50% (Hyper Growth) | 80% (ProTrader) / 100% (SwiftTrader) |
| Ceiling | 100% + fixed monthly payout ($350K+) | 50–100% depending on plan |
| Cycle | Bi-weekly | Bi-weekly |
| Processing | A few business days (method-dependent) | Typically about one business day, per official claims |
| Methods | Rise, bank transfer, crypto | Bank transfer (JPY) and others |
Fintokei wins on friction: fast processing and yen settlement. The5%ers wins on the long game: a published ladder to 100% plus fixed monthly payouts, and a $4M ceiling.
Honest strengths of each
The5%ers: a decade of operating history, the largest scaling ceiling, cheap entry. Weaknesses: English-only support, and the 50% starting split on Hyper Growth.
Fintokei: end-to-end native-language experience, JPY pricing and payouts, a 100% split option, payout during evaluation on SwiftTrader milestones. Weaknesses: founded 2023, so a far shorter track record, and a lower capital ceiling.
Who should pick which
- Pick The5%ers if you are comfortable handling disputes in English and are building toward $500K–$4M over years.
- Pick Fintokei if you want native-language support and yen settlement, and value payout speed.
- Using both is legitimate risk management — see multi-prop-firm strategy.
The fair summary: track record and scale at The5%ers, language and payout speed at Fintokei. Choose by use case, not by ranking. A good tiebreaker: could you negotiate a rule dispute in English? If not, that answers it.
Recommended prop firms
The5%ers — track record and long-term scaling
Operating since 2016. Milestone-based growth to $4M, splits up to 100% plus fixed payouts.
→ The5%ers official (coupon “HZZS4” for a discount)
Fintokei — native Asian-language experience
JPY pricing, Japanese/Korean support, payouts typically processed in about one business day.
→ Fintokei official (coupon “FINTO5KEI” for 5% off)