Update
“There are too many types of Fintokei Challenge Plans, so which one should I choose in the end?” – This is a question that many FX traders have. As of 2026, Fintokei offers a total of 6 plans from Crystal to Emerald, as well as the Slim Plan with an extremely narrow spread, further expanding the options. In this article, we have thoroughly compared the fees, initial funds, and passing conditions for all plans in a comparison table to make it clear which plan is best suited for you. If you would like to know the basic information and reputation of Fintokei, please first read the Complete Guide to Fintokei’s Reputation and Reviews.
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✅ What you can learn from this article
- Basic structure of the Challenge Plan (STEP1 → STEP2 → Pro Account)
- Complete comparison of fees, initial funds, and passing conditions for all 6 plans + 3 Slim plans
- Which plan has the best cost performance? (Comparing application fee ÷ initial capital)
- Recommended plans and selection criteria for beginners and intermediate traders
- Differences and use cases of the Speed Pro Plan
- How to get a 10% discount with the coupon code “KAITAI10”
【Conclusion】The “Ruby” plan is the best cost performance, beginners should start with “Crystal”
First, let me summarize the conclusion.
| Type | Recommended Plan | Reason |
|---|---|---|
| Beginner / Trial | Crystal (21,800 yen) | Can understand the mechanism at low cost |
| Cost performance / Intermediate | Ruby (69,800 yen) | High capital efficiency with an application fee rate of 6.98% |
| Full-scale operation / Advanced | Sapphire ~ Emerald | The profit amount after passing is larger |
| Spread focused | Slim Plan | Extremely narrow spreads for scalpers |
From here, I will explain the detailed conditions of each plan, cost performance comparisons, and points to consider when selecting, in order.
What is the Challenge Plan | 2-Step Passing System
Basic Structure of the Challenge Plan
Fintokei’s Challenge Plan is a program that evaluates a trader’s skills in two stages. By paying the application fee and trading on a demo account, you will be recognized as a “Pro Trader” if you achieve the profit target.
After upgrading to a Pro Account, you can receive 80% of the profits as compensation. Furthermore, through the Point Stage system, traders who continuously achieve results can increase their compensation ratio up to a maximum of 100%.
STEP1 Passing Conditions
| Item | Condition |
|---|---|
| Profit Target | 8% of initial capital |
| Maximum Daily Loss Rate | 5% |
| Maximum Overall Loss Rate | 10% |
| Minimum Trading Days | 3 days |
| Trading Period Limit | Unlimited |
STEP2 Passing Conditions
| Item | Condition |
|---|---|
| Profit Target | 5% of initial capital |
| Maximum Daily Loss Rate | 5% |
| Maximum Overall Loss Rate | 10% |
| Minimum Trading Days | 3 days |
| Trading Period Limit | Unlimited |
STEP1 has a profit target of 8%, while STEP2 has a profit target of 5%, making STEP2 a lower hurdle. The loss rules (5% per day, 10% overall) are common to both steps, and there is no time limit on the trading period, so you can work on it at your own pace.
Rules After Upgrading to Pro Account
After passing both steps, a “Pro Account” will be issued, and you will be able to start trading with Fintokei’s capital in a practical sense.
- Compensation Ratio: 80% (Can receive 80% of the profits)
- Maximum 100%: The compensation ratio can be increased up to 100% through the Point Stage system by continuously achieving results
- The loss rules are the same as the Pro Account (5% per day, 10% overall)
- Withdrawal is possible when profits are generated