THE DOSSIER — ACCOUNT DEEP-DIVE
Moneta Funded Phoenix Level 3–4 ($40K) Account Rules
Exact dollar thresholds, breach math, and verified sources for this tier.
All-In Cost to First Payout
Sticker price vs real cost — All-In Quantitative Fee Model
If you pass first try
Assumes pass on first attempt. Add 1–2 resets for realistic avg (FPFX: only 7% get payout).
Realistic (1 reset avg)
Non-refundable — every reset is sunk cost
Assumes 1 reset(s). Data fees vary by platform. FPFX base rate: ~7% ever get payout — budget for resets.
Methodology: challenge + resets + activation + data + add-ons − documented refund. Futures add $38/mo data + $149 activation where applicable. We never hide reset cost behind “bonus” language.
RISK ANALYSIS
How Can I Fail This Account?
Before spending capital on this evaluation, these are the exact mathematical and operational tripwires that disqualify traders on this specific model.
Daily Loss at 00:00 Rollover
Daily loss is calculated against your day-starting balance/equity. Holding floating drawdown into the 00:00 server reset can breach on spread widening alone.
30-Day Inactivity Forfeiture
30 consecutive days without a trade = automatic lock and revoked credentials. Many pass the evaluation and pause before the next step, losing all progress.
Withdrawal Gates Bite After Passing
10% target per level becomes credit at next level; withdrawable after 14 days from first trade + 3 profitable days (0.5% each). Example: Level 2 $5K +10% ($500) → Level 3 $10K with $500 credit.
Banned Patterns Pass Silently, Fail at Payout
Grid, martingale, all-in sizing, copied signals, and cross-account hedging often trigger no dashboard warning during evaluation — the review lands when you request real money.
COMPLETE RULEBOOK
Every Rule on This Account
Daily drawdown, max drawdown, targets, trading days, payouts, news, holding, automation, inactivity — each rule translated to this 40,000 account's exact dollar numbers.
Daily Loss Limit: 3% ($1,200/day)
Your daily allowance is fixed off the starting balance and counts open + closed P&L. It resets at 0:00 server time. Intraday profits temporarily widen the buffer, but the base never changes — lose the full allowance in 24 hours and the account is terminated on the spot.
Maximum Loss: 6% (floor starts at $37,600)
Static: the floor is set once from your starting balance and never moves — profits never drag it up behind you. Across the whole lifetime of the account, equity can never print below the current floor.
Profit Target: 10% ($4,000)
Bank $4,000 from the starting balance to pass. Measured on closed-trade profit — floating P&L does not count until you close.
Minimum Trading Days: 3
You must trade on at least 3 separate days before the phase counts as passed — even if you hit the profit target on day one. A trading day counts when you place at least one trade that closes with non-zero P&L.
Payouts: Every 14 days (after 14-day minimum + 3 profitable days) · 88% split
10% target per level becomes credit at next level; withdrawable after 14 days from first trade + 3 profitable days (0.5% each). Example: Level 2 $5K +10% ($500) → Level 3 $10K with $500 credit.. Your share of every approved withdrawal is 88%.
News Trading: Restricted
5-min blackout; 2h-old may close
Weekend + Overnight Holding: Allowed
Positions may stay open overnight and over the weekend at every stage. Swap charges still apply — and swap counts against your daily and maximum loss limits, with triple-swap days on some instruments.
Expert Advisors / Bots: Allowed
Automation is permitted — but verify whether your firm requires a paid add-on, platform restriction (MT4/MT5 only at some firms), or bot registration before the first automated trade. Unauthorized automation is a standalone violation.
Copy Trading & Hedging Boundaries
Copy trading between your own accounts is permitted — third-party signals and for-hire management stay banned. Hedging inside this single account is fine; mirrored positions across accounts or external brokers are banned.
Inactivity: 30 Days
Place at least one trade every 30 consecutive days or the account is automatically deactivated — no warning email, no extension. This kills more passed evaluations than any market move: traders pass, take a break, and return to revoked credentials.
Consistency Rule Active
Follows base Instant/1-Step consistency per level
Markets, Leverage & Platforms
Trade Forex · Metals · Indices · Energy · Crypto. Leverage: FX 1:30 · Metals 1:10 · Indices 1:8 · Energy 1:3 · Crypto 1:1. Platforms: Match Trader, MetaTrader 5.
SIMULATOR
Interactive Drawdown Simulator
Pre-configured for 40,000 • 3% daily, 6% max — adjust equity to test breach.
Account size
Live calculations
Daily floor
$38,800
Buffer $1,200
Max floor
$37,600
Buffer $2,400
Account is currently SAFE. You have $1,200 (3%) of buffer remaining above your nearest loss floor.
SIGNATURE VISUAL
Same trade, different fate — see why
This +1.8% win (+$720) followed by a -0.5% loss with an intraday dip is replayed against each program's real drawdown math.
Same Trade → Different Program → Different Outcome
One trade history, replayed against each program's real rules
Day 1 Win (+1.8%)
+$720
Day 2 Loss (-0.5%)
$-200
low $38,600
Day 3 Overnight (+0.3%)
+$120
low $39,600
Moneta 1-Step Challenge
Survives all trades
3% daily • 6% max • static
$5,000 • final $5,032
- • Final: +$32 profit, peak $5,036
Moneta 2-Step Challenge
Survives all trades
4% daily • 8% max • static
$5,000 • final $5,032
- • Final: +$32 profit, peak $5,036
Moneta Instant Funding
Survives all trades
3% daily • 5% max • trailing equity
$5,000 • final $5,032
- • Final: +$32 profit, peak $5,036
Moneta Instant Funding Pro
Survives all trades
4% daily • 8% max • trailing equity
$25,000 • final $25,160
- • Final: +$160 profit, peak $25,180
This is the moat: traders finally understand “the problem is not your trade, it is how the program's rules interpret the trade.” Math is exact — equity vs balance, EOD vs intraday included.
THE RULES · 9 APPLY TO THIS PHOENIX INSTANT (SCALING LADDER)
Explain the Rules
Exact formulas, plain translations, and verified source citations — filtered to 9 of 11 firm rules that govern this program.
ACCOUNT FAQ
Frequently Asked Questions: Moneta Funded Phoenix Level 3–4 ($40K) Rules
What are the Moneta Funded Phoenix Level 3–4 ($40K) account rules?
The Moneta Funded Phoenix Level 3–4 ($40K) ($40,000 nominal capital) enforces a 3% daily loss limit, a 6% static maximum drawdown, a 10% Phase 1 profit target, and 3 minimum trading days.
How is drawdown calculated on the Moneta Funded Phoenix Level 3–4 ($40K) account?
Daily drawdown is 3% ($1,200) calculated via higher of equity balance. Maximum total loss is 6% ($2,400) enforced as static from the $40,000 starting balance.
What is the profit split and minimum trading days for Moneta Funded Phoenix Level 3–4 ($40K)?
Traders receive a 88% base profit split paid on a every 14 days (after 14-day minimum + 3 profitable days) cycle, with 3 minimum trading days required per evaluation phase.