Tradeify vs MyFundedFutures 2026: What Happens When You Win Too Much

See all Phidias account types and pricing →

Tradeify vs MyFundedFutures vs Phidias: Quick Comparison (2026)

Both firms rewrote their rulebooks recently. Tradeify shipped Tradeify 3.0 in March 2026. MyFundedFutures moved every new evaluation to one-time payment on 25 August 2026, retiring the monthly subscription that most reviews still quote, and its plan lineup now runs to five.

Phidias is in this comparison because every trade-off below traces back to a design choice we made differently from launch.

Eight Plans, Two Questions

Most comparisons treat this as a choice between two firms. It is a choice between eight products: three at Tradeify, five at MyFundedFutures. Each one moves the drawdown, the split, the consistency rule and the payout ceiling independently.

You can shortcut almost all of it by asking two questions.

The rest of this article answers the second question, plan by plan, from each firm’s own help center.

MyFundedFutures: The Full Breakdown

The one-time payment switch, and what replaced the subscription

Until late August 2026, MFFU billed monthly. It no longer does on new evaluations, and the SKUs on its own pricing pages now end in OTP, for one-time payment. Existing subscribers keep their old billing.

What replaced the monthly fee is a 7 day inactivity rule. Go a week without placing a trade and the account can be closed, funded accounts included. There is no billing to pause any more, so activity is what keeps the account alive.

Prices, read from MFFU’s own product markup: Builder $105 and $153 for 25K and 50K, Rapid $145, $209, $356 and $463 across the four sizes, Rapid EOD $145 and $209, Pro $265, $401 and $557. The CLUB code takes 40% off, checked on 15 September 2026.

Rapid: the $10,000 trapdoor

Rapid is the plan MFFU pushes hardest, and on paper it deserves it: 90/10 split, no funded consistency rule, daily payouts once you clear the buffer, and no cap on how much you request per cycle.

Two things sit underneath that. First, the drawdown becomes intraday trailing once you are funded, so a peak you give back tightens your floor permanently. Second, the transition rule.

Builder: cheapest entry, tightest payout ceiling

Builder passes in one trading day with no consistency rule during evaluation, which is genuinely permissive. The constraint arrives afterwards.

On the funded side Builder pays 80/20, caps each cycle at $2,000, allows five sim payouts in total, and applies a 50% consistency rule at every single payout request. Your best day cannot exceed half the cycle’s profit. After the fifth payout you are promoted to live.

Only one Builder funded account per user may be active at a time.

Rapid EOD: the calmer floor, the harder exam

Rapid EOD keeps the 90/10 split and removes the intraday drawdown, trailing end of day instead. You pay for that at the entrance: 30% consistency during evaluation and a four day minimum, the strictest evaluation of the five.

Pro: the $100,000 ceiling, and what crosses over

Pro is 80/20, not 90/10, a detail most reviews get wrong. No daily loss limit, no funded consistency rule, and the first payout unlocks 14 calendar days after your first trade.

The ceiling is $100,000 in payouts per user across every Pro account you hold. Past that you move to live, and only part of the excess follows you: up to $5,000 on a 50K, $7,500 on a 100K, $10,000 on a 150K. MFFU’s wording on the rest is unambiguous: remaining profits are forfeited.

Unlocking that live starting balance takes 20 winning days at 4% of it or better, plus three payouts.

Flex: their own worked example

Flex qualifies a payout on five winning days of at least $150 each, then caps the request twice over: 50% of total profits, and $2,000 maximum. Before the restructure that second cap was $5,000.

Tradeify 3.0: The Full Breakdown

Select: daily payouts, capped

Select carries a 40% consistency rule during evaluation only, then nothing on the funded side. It is the only one of the three that pays out daily. The trade is a per-payout ceiling.

List price on a 50K is $165, and resets run $75 to $239 by size with up to ten per month.

Growth: cheapest, but consistency arrives after funding

Growth advertises a one day pass and carries no consistency rule in evaluation. It applies 35% once funded, and pays every five days. A 50K lists at $145, the cheapest structured evaluation in this comparison.

Lightning: no evaluation, escalating consistency

Lightning skips the evaluation entirely and drops you into a funded environment, at a price to match: $492 on a 50K. Consistency escalates as you withdraw, 20% then 25% then 30% from the third payout.

Tradeify Elite: what winning too much gets you here

This is where the two firms diverge most. Tradeify’s homepage states that three approved payouts qualify you for Tradeify Elite, described as real live capital with performance rewards up to $18,000 per account and up to five live accounts.

Same event, opposite design. Win consistently at Tradeify and you are offered more capital. Win consistently at MyFundedFutures and you are moved off your plan whether you want it or not, with the surplus written off.

What Happens When You Win Too Much

Every prop firm has to answer one question: what does it do when a trader starts producing more simulated profit than the model expects? The answers here are genuinely different, and they are the most useful thing in this comparison.

At Tradeify, a big month meets a per-payout ceiling on Select and a daily loss limit on the other two. Nothing is destroyed. The balance stays in the account and rolls forward, and three approved payouts open the door to Elite.

At MyFundedFutures, the caps are not the real story. The transition is. Every plan has a trigger, none of them are optional, and two of them destroy profit:

At Phidias, the same event has no downside because the conversion is the point, not the penalty. An Express to Live account converts to a real LIVE account on your first payout, with a real broker behind it. There is no threshold to cross, no surplus to lose, and no cap on LIVE withdrawals.

We do apply a 30% consistency rule on funded CASH accounts, and we say so plainly. There is none on evaluation and none on LIVE.

Payouts: How Fast, How Much, How Often

MyFundedFutures is fast, and it deserves the credit. Rapid pays daily, the first request unlocking 24 hours after your first trade once the buffer clears. Most requests are approved instantly; a manual review takes 6 to 12 business hours. Minimum request is $500.

The buffer is the part reviews skip. You must build it in realised profit before requesting anything: $2,100 on a 50K, $3,100 on a 100K, $4,600 on a 150K.

Tradeify pays daily on Select and every five days on Growth and Lightning, and advertises approval within an hour.

Phidias approves 90% of payouts in under 30 minutes and all of them within 24 hours. On LIVE there is no payout cap.

Rule Stability and What to Expect

Both firms have rewritten their structures inside the last eighteen months, and MyFundedFutures has done it twice: the plan overhaul in mid 2025, then the move to one-time payment in August 2026. Its Flex plan was restructured again on the way, with the per-cycle payout ceiling cut from $5,000 to $2,000.

Tradeify shipped 3.0 in March 2026 and has held since.

This is a description of the industry, not an accusation. Firms revise to protect profitability. The practical consequence for you is narrow: any review of either firm written before September 2026 describes products that have materially changed, and the pricing sections are the first thing to go stale.

The Quiet Third Option

Phidias is in this comparison because the question the whole article turns on, what happens when you win too much, is the one we designed around first.

One more difference worth naming: on Premium the split climbs. It starts at 75% and moves to 80, 85, 90, then 100% from your fifth payout onward. Neither firm in this comparison has a mechanic that pays you more for staying.

See Phidias account types and pricing

Which Is Right for You

Choose MyFundedFutures Rapid if you want daily payouts, a 90/10 split and no cap on what you request per cycle, and you can trade around an intraday floor that follows your unrealised profit. Go in knowing the $10,000 single session trigger forfeits the surplus.

Choose MyFundedFutures Rapid EOD if you want that same 90/10 split without the intraday floor, and you can pass an evaluation with a 30% consistency rule over at least four days.

Choose MyFundedFutures Builder if you want the cheapest one day pass on the board and a $2,000 monthly ceiling is enough for you. Five sim payouts, then you are moved to live.

Choose Tradeify Growth if you want the lowest priced structured evaluation here, with no consistency rule to pass it, and 35% once funded is workable for your style.

Choose Tradeify Select if you want daily payouts with no funded consistency rule, and you are aiming at Elite: three approved payouts and you qualify for real capital.

Choose Phidias if you want the conversion to real capital to happen on your first payout instead of being something the firm does to you later, a drawdown that does not move, payouts in under 30 minutes, and the option to hold overnight on Premium.

If Topstep is also on your list, our Topstep vs MyFundedFutures comparison covers the subscription side of the choice.

More on Tradeify

Frequently Asked Questions

How many plans do Tradeify and MyFundedFutures have between them?

Eight. Tradeify runs three: Growth, Select and Lightning. MyFundedFutures runs five: Builder, Rapid, Rapid EOD, Pro and Flex. Its older Core plan no longer exists. Each plan changes the drawdown type, the split, the consistency rule and the payout ceiling independently, so the decision is really which of eight products punishes your style least.

What changed at MyFundedFutures in August 2026?

On 25 August 2026, MyFundedFutures moved every new evaluation purchase to a one-time payment and retired the monthly subscription. Existing subscribers keep their old billing. A 7 day inactivity rule replaced it: go a week without trading and the account can be closed, funded accounts included. Any review quoting $77, $229 or $399 per month is describing an offer that no longer exists for new buyers.

Does MyFundedFutures have a consistency rule?

It depends on the plan. Rapid and Pro apply 50% during evaluation only. Rapid EOD applies 30% during evaluation, the strictest of the five. Builder has none during evaluation but applies 50% at every payout request once funded, so your best day cannot exceed half the cycle’s profit. Exceeding the rule does not breach the account; you trade more days to bring the ratio back into range.

Does MyFundedFutures or Tradeify allow overnight futures positions?

Neither. MyFundedFutures closes open positions automatically at 16:10 ET and states plainly that positions cannot be held overnight. Tradeify forces a close at 16:45 ET. One trap worth knowing at MFFU: on shortened holiday sessions the automatic liquidation does not run, and failing to close your own positions breaches the account. Phidias Premium accounts hold overnight and over the weekend.

What does a 50K account actually cost at each firm?

All three charge once and none of them charge an activation fee. MyFundedFutures Rapid 50K is $209, Builder 50K is $153 and Pro 50K is $265, with a CLUB code taking 40% off as of 15 September 2026. Tradeify Select 50K lists at $165, Growth at $145 and Lightning at $492. Phidias Fundamental 50K is $116 with code. The meaningful cost difference is not the entry price, it is what each firm’s caps and transition rules do to your withdrawals afterwards.

Does Tradeify pay 100% of your first $15,000?

No, and it never has. This is the most widely copied error in the futures prop sector. Tradeify’s split is 90/10 from the first payout on every plan. What does exist is Tradeify Elite: three approved payouts qualify you for real live capital with performance rewards of up to $18,000 per account.

Is the MyFundedFutures $100,000 cap a real problem?

It is real but widely misdescribed. It is a payout cap of $100,000 per user across all Pro accounts, not a lifetime limit on what MFFU will ever pay you. Reaching it moves you to a live account, and part of the excess crosses over: up to $5,000 on a 50K, $7,500 on a 100K and $10,000 on a 150K. MFFU’s own wording on the rest is that remaining profits are forfeited. The same forfeiture applies on Rapid at the $10,000 single session trigger.

How does Phidias compare on payout caps and consistency rules?

Phidias applies no consistency rule during evaluation and none on LIVE accounts. There is a 30% rule on funded CASH accounts and none on Express to Live. There is no payout cap on LIVE. An Express to Live account converts to a real LIVE account with a real broker on your first payout, so nothing is forfeited on the way and there is no threshold to cross first.

One Drawdown Rule. No Forfeiture. No Cap Maze.