Funded7 Complete Guide 2026: Comparing All 7 Plans, the Real Payout Process, and How to Read the Terms' "Discretionary Clauses"
※ Prop firm rules and pricing change frequently. For the latest information, check the official Funded7 site and our Funded7 guide. (As of July 26, 2026)
Conclusion: strong specs, but read the terms
Funded7 is a newer prop firm founded in June 2025 and based in the UAE. It has grown its Japanese user base significantly in its first year.
- Strengths: spreads from 0.1 pips (industry-tightest tier), JPY-denominated accounts available, MT5/cTrader/DXtrade support, full Japanese-language support, fast payouts
- Weaknesses: only one year of track record since founding, the one-phase/instant plans have a low 50% profit split
- Often overlooked: the terms of service contain several discretionary clauses, structured so the operator can stop providing service at any time, for any reason
That last point exists at other firms too, but Funded7 stands out for explicitly writing a confidentiality clause on communications into its terms (Provision 16). We break down each clause later in this article.
Comparing all 7 plans
Funded7's distinguishing feature is that it has separate lineups for USD and JPY.
| Plan | Phases | Account size | Profit target | Max DD | Daily DD | Split | Leverage |
|---|---|---|---|---|---|---|---|
| Two Phase (USD) | 2 | $15K–$500K | 8% / 6% | 10% | 5% | 80% | 50x |
| 2-Phase (JPY) | 2 | ¥2M–¥60M | 8% / 6% | 10% | 5% | 80% | 50x |
| 2-Phase NEO (JPY) | 2 | ¥2M–¥60M | 8% / 6% | 10% | 5% | 80% | 30x |
| One Phase (USD) | 1 | $15K–$200K | 10% | 8% | 4% | 50% | 30x |
| 1-Phase (JPY) | 1 | ¥2M–¥40M | 10% | 8% | 4% | 50% | 30x |
| Instant (USD) | 0 | $5K–$75K | None | 8% | 5% | 50% | 50x |
| Instant (JPY) | 0 | ¥500K–¥7M | None | 8% | 5% | 50% | 50x |
※ No time limit on any plan; minimum 3 trading days
Which plan to pick
In general, go with a Two Phase plan. The reason is the profit split — only the Two Phase plans get 80%, while the one-phase and instant plans drop to 50%.
That 30-point gap means, on a $100K account earning 10% ($10,000), the difference is $8,000 vs $5,000. That's too steep a price to pay just to skip a phase.
- 2-Phase (JPY): easy P&L tracking in yen. This is the default choice for Japanese traders
- 2-Phase NEO: a lower-leverage version, capped at 30x, in exchange. Its profit-split add-on is +10% (vs the usual +15%), a slight disadvantage
- Instant: skips evaluation and goes straight to funded. If you can accept the 50% split, it's a reasonable option if you're buying time
Spreads and platforms
This is where Funded7 really differentiates itself.
- 0.1–0.3 pips on USD/JPY and EUR/USD. On par with domestic Japanese FX brokers, and among the tightest in the prop industry
- USD accounts: MT5 / cTrader / DXtrade (3 options)
- JPY-denominated accounts: MT5 / cTrader (DXtrade not supported)
For scalping-leaning strategies, spread differences flow directly into your results. This is a piece where the same logic can pass at one firm and fail at another, so tight spreads matter if that's your priority.
Payouts in practice: fast
Our site's owner has personally received multiple payouts from Funded7. Here's the actual flow and how it feels in practice.
| Step | What happens | Time |
|---|---|---|
| 1 | Request a payout from the dashboard | — |
| 2 | "Your request has been received – currently being processed" email | Immediate |
| 3 | Review (performed by headquarters) | Usually 1–2 business days |
| 4 | "Your payout request has been approved" email | — |
| 5 | Funds arrive | 24–48 hours after approval |
One thing to note: review only progresses on headquarters' business days. A request that straddles a weekend gets pushed back accordingly. Request on a Friday evening and you're effectively starting Monday, so if you're in a hurry, requesting earlier in the week works in your favor.
After approval, a Payout Certificate is attached to the email. It's worth keeping as a record.
The often-overlooked "discretionary clauses"
This is the core of this guide. Funded7's terms of service contain four clauses that traders should be aware of.
Provision 1: refusal of service for any reason
The Provider reserves the right to deny service to any individual at its sole discretion, at any time, and for any reason.
"For any reason" is spelled out explicitly. This is structured so that service can be stopped regardless of whether any rule was actually broken.
Provision 14: termination without notice
The Company reserves the right to terminate this agreement at any time and without prior notice if, at its sole discretion, the Client fails to comply with any provision outlined in these Terms and Conditions.
This states that whether a violation occurred is also at the company's own discretion.
Provision 8: HFT, automated trading, and consistency
High-frequency trading, automated software, AI-driven trading, ultra-fast execution strategies, or mass data entry systems that provide an unfair advantage or manipulate the platform's infrastructure are strictly forbidden.
Trading activity must be consistent with the Client's usual trade sizes. Placing trades that are significantly larger or smaller than the Client's typical trades or using excessive margin is not permitted.
Read on its own, this looks like a broad ban on "automated software" (EAs). In practice, however, EAs are actively used, and our own guide treats Funded7 as EA-friendly.
Read more precisely, the subject of the ban is "[software] that provides an unfair advantage, or manipulates the platform's infrastructure." In other words, it's not the EA itself that's the problem, but how it's used. The flip side of that wording is that the operator gets to decide where the line for "unfair advantage" falls.
Provision 16: confidentiality of communications
All communications between Funded7 and the Client are confidential. This includes emails, support messages, account decisions, and any related documentation. The Client agrees not to publicly share, reproduce, or selectively present any such communications in a way that misrepresents Funded7's position.
It's unusual for a prop firm's terms to explicitly include a "don't publicize our exchanges" clause. This is likely a response to the culture of posting screenshots of support conversations on social media.
Reading the clause closely, what's actually banned is publishing, reproducing, or excerpting communications "in a way that misrepresents Funded7's position." It's not written as a blanket ban on accurate, fair quotation. That said, you should be aware this clause could be invoked if a dispute arises.
The "what happens if you win too much" problem
The clauses above matter in practice at the moment a trader starts winning beyond the company's risk tolerance.
Given the prop firm business model, the following structure is unavoidable:
- Most traders lose or fail → challenge fees are the revenue
- Some traders win consistently and by a large margin → payouts start flowing out
- Once #2 exceeds what was expected, the company decides it doesn't want to keep carrying that trading profile
At this point, the company has three possible moves.
| Move | What it means | Damage to the trader |
|---|---|---|
| Declare a rule violation | Profit voided, account banned | Worst (profit disappears) |
| Close the account under a discretionary clause | Service ended citing Provisions 1/14 | Moderate (balance is paid, but you can't continue) |
| Impose individual conditions | Continue with caps on trade count, holding time, etc. | Minor (you can continue, under constraints) |
The third option is the fairest. If the company pays out what's owed and then presents terms for going forward, the trader can decide whether to accept or walk away.
Funded7's terms are structured so the company can choose options 2 or 3 without invoking option 1 (declaring a violation). The broad "for any reason" wording works against the trader, but it can also leave room to avoid the worse outcome of "being treated as a violation when you didn't actually violate anything." That's worth keeping in mind when reading the terms this way.
What high-frequency/scalping-leaning traders should watch for
- Number of closed positions per day: extreme turnover is more likely to run into the "usual trade sizes" consistency clause
- Share of very short holding times: a setup dominated by trades closed within tens of seconds could fall within the scope of the HFT clause
- Sudden changes in method: if your trading profile shifts significantly between evaluation and funded stages, you're more likely to draw scrutiny
Since none of these clauses have a quantitative threshold, staying close to your own normal baseline is the only practical defense available. If you don't know your own trading profile (closed positions per day, average holding time), tools like our EA P&L tracker let you quantify it, so you can later explain exactly when and what changed.
Who this fits, and who it doesn't
Good fit
- Strategies where spread cost flows directly into results (scalping-leaning, high turnover)
- Traders who want to manage in yen (P&L stays in yen end-to-end, no FX conversion needed)
- Traders who want to use cTrader / DXtrade
- Traders who prioritize a fast payout cycle
Not a good fit
- Traders who prioritize a long track record (founded June 2025, still only a year in)
- Traders who only intend to buy one-phase/instant plans (50% split is worse than the competition)
- Traders who want to keep running the same strategy indefinitely, even after winning big (this falls within the scope of the discretionary clauses)
FAQ
Q. Does Funded7 actually pay out?
Our site's owner has personally received multiple payouts. From request to funds arriving typically takes 1–2 business days for review plus 24–48 hours for transfer — fast by industry standards. Note that review only progresses on headquarters' business days, so a request that straddles a weekend gets pushed back.
Q. Which plan should I buy?
We recommend a Two Phase plan with an 80% profit split. The one-phase and instant plans have a 50% split, which is a poor trade-off just to skip a phase. If you want to manage in yen, choose "2-Phase (JPY)."
Q. Can I use an EA?
In practice, EAs are actively used, and we treat Funded7 as EA-friendly on this site too. However, Provision 8 of the terms of service broadly bans "automated software," "AI-driven trading," and "ultra-fast execution strategies," and the criteria for what counts as banned are up to the operator's discretion. The more you lean toward extreme high-frequency or ultra-short holding times, the more risk you take on.
Q. What is the payout-time review (OREF Rules 1–3)?
This is a review framework published in 2026. Rule 1 covers consistency (position size limited to MIN(median×2.5, Q3+1.5×IQR); closed trades ≤10 per 3 days; QC 0.90). Rule 2 covers position risk (Gold 3% / Silver 2% / Bronze 1%; if no stop loss is set, it's estimated as ATR(14)×1.96). Rule 3 covers execution (>2% of trades closed under 15 seconds / >3% closed under 30 seconds). Failing Rule 1 isn't a violation, just a payout hold; Rules 2 and 3 result in the relevant profit being voided. Our site owner's own experience of having a payout held under Rule 1, with the actual numbers from the review email, is broken down in our OREF Rule 1 explainer.
Q. What's the difference between the NEO plan and the regular Two Phase plan?
The profit target (8%/6%) and DD (10%/5%) are the same, but leverage is capped at 30x (versus the usual 50x). Supported platforms are MT5 and cTrader only, and the profit-split add-on is +10% (versus the usual +15%).
Q. It's a newer firm — what's the risk?
It was founded in June 2025, so it has just over a year of track record. Payouts are actually happening, but compared to established firms, the track record is thinner, so it's recommended that you not leave your balance sitting for long periods. For decision-making criteria, see How to spot a prop firm scam.
Summary
- The specs are strong. 0.1-pip spreads, JPY-denominated accounts, fast payouts
- If you're buying, buy Two Phase. 80% split is exclusive to this plan
- Read the discretionary clauses in the terms. Provision 1 ("refuse service for any reason") and Provision 16 ("confidentiality of communications") stand out compared to other firms
- How you're treated after winning too much is up to the company. Staying close to your own normal baseline is the only defense. That said, the size-consistency check at payout time (OREF Rule 1) has a published formula, and even trades sized too uniformly can trigger a hold (real example)
Related articles
- 🎫 Every first-time coupon at 19 prop firms, listed — compare discounts at other firms
- 📊 Comparing 15 firms by how lenient their rules are — pick by how strict the prohibited-practices list is
- 📐 The time my Funded7 payout was held under OREF Rule 1 — breaking down MIN(median×2.5, Q3+1.5×IQR) with real numbers from a review email
- 🛡️ How to protect your funded account and maximize payouts — how to operate after passing
- How I got The5ers' yellow card lifted — a risk-assessment case study at another firm
- 🔍 How to spot a prop firm scam — how to evaluate newer firms
Written by
Hosono P | the prop firm strategist
I buy challenges with my own money and record everything through to the payout. Recorded payouts: ¥6.1M in total from Fintokei, Fundora and Funded7, plus $4,776 from The5ers (as of September 2026). Author of the semi-discretionary EA "ELDRA".