Bottom line first
| Item | The5%ers | Funded7 |
|---|---|---|
| Founded | 2016 | 2025 |
| Years in operation | 10 years | Just over 1 year |
| Entity location | Israel | Cyprus (Limassol) and Saint Lucia |
| Instant Funding | Yes (industry pioneer) | Yes ($5,000-$75,000) |
| Evaluation plans | Yes (High-Stakes / Bootcamp) | Yes (Two Phase / PAYG / NEO / One Phase) |
| Profit split | 50-100% (tiered) | 80% (50% on One Phase and Instant Funding), up to 90% with add-on |
| Maximum capital | Up to $4M after scaling | $500,000 per account |
| Platforms | MT4 / MT5 / Match-Trader | MT5 / cTrader (PAYG is MT5-only) |
| Profit targets | High-Stakes: 10% in Phase 1 | Two Phase family: 8% then 6%. One Phase: 10% |
| Drawdown model | Static, on initial balance | Static on Two Phase, PAYG and NEO. Trailing on One Phase and Instant Funding |
| Payouts | Monthly to on-demand, 5-8 business days to process | Request every 7 days, processed “within 1 day”, $10,000 monthly cap |
| Cumulative payout record | Published on an ongoing basis | No ongoing published figure could be verified |
| Trustpilot | 4.7/5.0 (30,269 reviews) | 2.8/5.0 (46 reviews, 46% one-star) |
- If operating history, third-party reputation, and payout transparency decide it → The5%ers
- If you value the Japanese-language setup and the short payout cycle, and will test small → Funded7
Read plainly, the evidence does not put these two on equal footing. The5%ers has ten years of operation and a 4.7 Trustpilot score; Funded7 has just over one year and a 2.8. Choosing Funded7 means choosing it for a specific reason — Japanese-language terms, a short payout cycle — not because it wins the comparison.
Comparison across five axes
1. Operational continuity
The5%ers was founded in 2016 and pioneered Instant Funding. As of 2026 it has ten years of operation and is the longest-running service in the model.
Funded7 launched in 2025, giving it just over a year of operation. Its official company page states “2025 Operating Since,” and it published a first-anniversary page in June 2026. Our methodology requires five or more years of continuous operation for a “high” trust rating, and Funded7 does not reach it.
Prop firms stop paying when their cash flow breaks. Between these two firms, the gap in operating history is the single heaviest difference.
2. Instant Funding (no-evaluation plans)
Both offer Instant Funding, but on different terms.
- The5%ers: the industry pioneer, with a split that scales up to 100%
- Funded7: account sizes of $5,000 to $75,000, a 50% split, and a trailing (high-water-mark) drawdown
Funded7’s Instant Funding pays 50% — lower than the 80% on its own Two Phase program. That is the standard trade in this category: immediate funding in exchange for a smaller share. The trailing drawdown is worth flagging too: as unrealised profit builds, the loss limit ratchets up with it, which behaves differently from the static model many traders are used to.
3. Profit split structure
| The5%ers | Funded7 | |
|---|---|---|
| Initial split | From 50% | 80% (50% on One Phase and Instant Funding) |
| Maximum split | 100% (tiered) | 90% (with a paid add-on) |
| Conditions to reach top | Scaling / payout count | Purchase an add-on |
Funded7’s Two Phase starts at 80%, which is simple to read. But its 90% ceiling depends on buying an add-on, and that is a lower endpoint than The5%ers’ tiered path to 100%.
Also note that Funded7 funded accounts and Instant Funding accounts carry a $6 commission per round-turn lot ($1 on crypto and indices). Challenge phases are commission-free. Comparing split percentages alone hides that cost.
4. Withdrawal experience
Funded7’s FAQ states requests are allowed every 7 days from the last withdrawal or from account creation, with processing “within 1 day.” Rails are Revolut Instant, crypto (ETH/USDC), and bank transfer. KYC is required at first payout.
The constraints are documented as well. The minimum payout is $100 net of the split, and the monthly cap is $10,000 per client ($20,000 on PAYG). On top of that, 30 consecutive days without a trade disqualifies the account and voids pending payouts.
The5%ers runs monthly to on-demand payouts with roughly 5-8 business days of processing. Funded7 is faster on paper, but The5%ers publishes its cumulative payout record on an ongoing basis and has eight-plus years of near-zero delays behind it. For Funded7 we could not find a primary source publishing a cumulative payout figure on an ongoing basis.
5. Third-party reputation and regulatory standing
The Trustpilot gap is wide. The5%ers sits at 4.7/5.0 across 30,269 reviews (read 22 June 2026); Funded7 at 2.8/5.0 across 46 reviews (read 31 July 2026). Funded7’s distribution is 46% one-star and 37% five-star, with the negative reviews clustered on payouts and pass decisions. The 46-review base is thin and can move, but as it stands the score is poor.
Funded7’s own homepage advertises “4.8/5, 1k+ reviews.” That is not Trustpilot data, and the page cites no source, so we could not verify it.
On regulation, The5%ers states its Israel base openly. Funded7’s operating entities, per the site footer, are ICHIBAN TECH LTD (Limassol, Cyprus) plus SUCCESSIO LTD and FUNDED7 LTD in Saint Lucia. It runs a Japanese site and JPY accounts but has no Japanese entity, and neither firm is a regulated financial operator in a major retail jurisdiction. Neither offers a regulatory route of recourse, but Funded7 sits a step further out with offshore entities.
Which should you choose?
The5%ers suits you if you
- Want ten years of operating record as your basis of trust
- Want to scale your profit split over the long term
- Weigh third-party reputation (4.7 across 30,000+ reviews) in the decision
- Want plans with no daily loss rule for swing or medium-term trading
Funded7 is worth considering if you
- Want to read the terms in Japanese and trade a JPY-denominated account
- Get concrete value from a short payout cycle
- Will read the rules first and design your trading around the numeric thresholds
- Understand the current picture — just over a year of operation, Trustpilot 2.8 — and will test at a small account size
Funded7 is a poor fit if you
- Expect to withdraw more than $10,000 a month
- Trade on a seconds-long horizon (under 15 seconds on more than 2% of trades, or under 30 seconds on more than 3%, is a violation)
- Require a meaningful operating history or third-party score
On running both
We previously suggested running both firms in parallel. Now that the gap in third-party reputation is clear, we suggest treating The5%ers as the baseline and limiting Funded7 to small-size verification. For multi-firm approaches generally, see the multi-prop-firm parallel operation guide.
Summary
- On operating history (10 years vs just over 1) and Trustpilot (4.7 vs 2.8), the current gap is wide
- Funded7’s strengths are its Japanese-language setup and short payout cycle; its constraints are the $10,000 monthly cap and forfeiture after 30 days of inactivity
- Funded7 pays 80% on Two Phase but 50% on One Phase and Instant Funding; the 90% ceiling requires a paid add-on
- All figures are as of the dates given. Confirm current terms on the official sites
- Final investment decisions are your own. This site does not provide investment advice.
Recommended firms
The5%ers — for traders who want to start without an evaluation
A 10-year veteran (since 2016). Instant Funding lets you start immediately without evaluation pressure.
→ Visit The5%ers official (use coupon code “HZZS4” for a discount)
FTMO — peace of mind from the industry leader
The industry standard with 11 years of operation (since 2015).