[Breaking] Moneta Funded Rebuilds Its 1-Step: 5% Trailing Max Loss, Instant Fail at 1% Open Loss, $100K Now $1,098 — Plus a New Daily-Payout 1-Step Daily; Support Confirms Self-Built EAs Are OK (October 2026)
※ Checked on October 12, 2026 on Moneta Funded's official site (pricing, checkout, Challenge Builder) and official help center. The exact start date of the change isn't published; it was early October. No email announcement reached this site's operator's account.
What changed
In short, the 1-Step became an expensive, tight account. In exchange, a small 1-Step Daily with daily payouts was added.
| What you want to do | Before (through September) | Now (from October) |
|---|---|---|
| Buy a 1-Step $100K | $780 | $1,098 |
| Hold an open loss on a 1-Step | Fine up to the 6% (static) max loss | Instant fail at 1% open loss |
| Build a cushion with profit on a 1-Step | The max-loss line doesn't move | 5% trailing (rises with the high, locks at the starting balance) |
| Run a fully automated EA | Self-built OK | Self-built OK (the prohibited-practices wording is ambiguous, but support confirmed in writing; see below) |
| Take payouts daily | Not possible (every 14 days except Instant Pro) | Daily with 1-Step Daily |
On a $100K 1-Step, you used to be able to lose $6,000 before failing. Now the account ends the moment any single trade shows a $1,000 open loss — and the max loss is $5,000 and rises with your profit.
What about accounts you already have?
A 1-Step bought before the change keeps the old rules (6% static, open losses fine up to max loss). The official help says purchases made before the change continue under the previous rules.
2-Step, Instant and Instant Pro are unchanged in both rules and price. The 2-Step $100K is $855 for the 5%/10% configuration and $660 for 4%/8%.
Self-built EAs are allowed, even fully automated (support confirmed in writing)
The official prohibited-practices help article (article 12146808, updated September 16, 2026) has a sentence that reads like a ban on software that trades mechanically by predefined rules, so at first glance even self-built EAs look banned. This site's operator asked support on October 12 and got this written reply:
- Fully automated EAs you developed and own yourself are permitted on standard 2-Step accounts (as long as they follow the risk-management guidelines)
- But not EAs based on martingale, grid/layering, latency arbitrage or high-frequency tick scalping
- Commercial/third-party EAs, signal services and account-management tools remain banned
- The team can review your trading and ask for proof of EA ownership at any time
So that sentence targets prohibited strategies, not self-built EAs as such. Keep your source code ready to show. Written confirmation covers the 2-Step; other plans are likely treated the same but weren't confirmed (no EAs on Sprint). Since the page wording is ambiguous, it's worth getting your own written confirmation from support before running an EA.
Hedging (opposite orders on the same symbol), hyperactivity (excessive orders or layering), tick scalping and one-sided betting are also named as prohibited. There's also a clause allowing the firm to require a video interview at any time.
On Trustpilot (4.5 from 282 reviews, not suspended), reports clustered from June to October 2026 of passes being revoked or funded accounts closed for "excessive layering" or "hyperactivity". If you run an EA, avoid designs that layer into positions.
New conditions by plan
| Plan | Price (list) | Target | Max loss | Daily loss | Payouts |
|---|---|---|---|---|---|
| 1-Step (new) | $5K $69 / $10K $137 / $25K $295 / $50K $549 / $100K $1,098 / $200K $1,998 | 10% | 5% trailing (locks at starting balance, also locks on payout approval) | 3% | Every 14 days. Funded: 3 profit days of 0.5%+ |
| 1-Step Daily (new) | $50K $142 / $100K $284 | 3% | 2% static (fixed at starting balance on payout approval) | 1% | Daily. Cap per payout $50K $1,000 / $100K $2,000 |
| 2-Step (unchanged) | $100K: 5%/10% $855, 4%/8% $660 | 5% → 10% | 10% / 8% (static) | 5% / 4% | Every 14 days |
All have an 88% profit split and refund the fee on the 4th payout. 1-Step and 1-Step Daily use 1:30 leverage; 2-Step uses 1:100.
Phoenix Instant got cheaper ($2.5K $195→$155, $10K $600→$479, $80K $5,400→$4,299).
Is the new 1-Step worth buying?
The 2-Step is generally better. It's clear when you compare what you pay per unit of loss allowance.
| Plan ($100K) | Max-loss allowance | Price | Per $1,000 of allowance |
|---|---|---|---|
| 1-Step (new) | $5,000 (trailing) | $1,098 | $220 |
| 2-Step 4%/8% | $8,000 (static) | $660 | $83 |
| 2-Step 5%/10% | $10,000 (static) | $855 | $86 |
The new 1-Step costs about 2.6× the 2-Step per unit, and its allowance shrinks with the trailing line.
On top of that, "instant fail at 1% open loss" means a single trade can risk less than 1% to its stop. In a prop firm the loss stops at the fee, so sizing up to the rule limit is the basic way to raise expected value — and on the new 1-Step that limit tops out at 1%. In this site's expected-value calculation (1% per trade), this 1-Step counts as not tradable under its rules, so the comparison page doesn't show an expected value for it.
1-Step Daily is attractive at $284 for $100K with daily payouts. But with a 1% daily limit and 2% max loss the account is very tight, and the size you can trade is small to match. It suits someone who places one trade a day with a stop around 0.5% and repeats it steadily.
What hasn't changed
- Rules and prices of 2-Step, Instant and Instant Pro
- News trading (no opening or closing within 5 minutes of red-folder news; a position opened 2+ hours before the release may be closed, or hit TP/SL, inside the window; Instant Pro and Phoenix Instant allow news)
- Japan is not a restricted country (no Japanese site or support)
Refunds (support reply, October 12): fees are non-refundable once an account has been traded. Untraded accounts can be refunded within 14 calendar days of purchase, and fees can't be transferred to other programs.
Coupons
As of October 12 the site banner shows monetober40 (40% off, no end date shown). September's FLASH40 ended at the end of September. TOKONATSU50 (50% off), distributed by the firm's Japan representative, was not re-checked in October.
Summary
- The new 1-Step is an expensive, tight account. Choosing the 2-Step is the default.
- 1-Step Daily is cheap with daily payouts, but very tight (1% daily, 2% max).
- Self-built EAs are OK, even fully automated (confirmed in writing for the 2-Step). Commercial, martingale and grid EAs are not. Keep your source code ready.
- A 1-Step bought before the change keeps the old rules.
Related: All Moneta Funded plans and rules / Moneta Funded expected value (calculated on September's old rules) / 2-Step 4%/8% vs 5%/10%: which to buy
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".