Fintokei’s Complete Rules and Prohibited Practices | Disqualification Conditions, Restriction Rules, and Permitted Trades Thoroughly Explained [March 2026]

March 4, 2026 Updated

If you want to start trading with Fintokei, but are anxious about “what kind of rules are there” and “what will get you disqualified,” you are not alone.

As of 2026, Fintokei is one of the most widely used prop firms in Japan, but if you start trading without correctly understanding the rules and prohibited practices, there are many cases where you may unknowingly violate the rules and become disqualified (given away).

This article completely covers all of Fintokei’s rules, prohibited practices, and restriction rules, and thoroughly explains “what is allowed and what is not” for each plan. Please also see the complete guide to Fintokei’s reputation and reviews for basic information and reputation about Fintokei.

【Conclusion】Key Points to Avoid Disqualification on Fintokei

Shinshot-kun

There are so many Fintokei rules that I can’t remember them all. What are the minimum requirements I need to follow?

Kaitai Sensei

To put it simply, just focus on 5 key points and you can avoid most disqualifications. Let’s start by understanding the big picture!

While the Fintokei rules may appear complex at first glance, the core rules that directly lead to disqualification (giveaway) can be summarized into the following 5 points.

1. Do not exceed the daily loss limit (Challenge: -5%, Lightning Pro: -3%)
2. Do not exceed the total loss limit (Challenge: -10%, Lightning Pro: -6%)
3. Do not engage in scalping under 10 seconds (risk of immediate disqualification)
4. Do not trade within 2 minutes before and after economic indicator releases (no new entries allowed)
5. Keep the risk rate per trade within 3% (triggers the restriction rule if exceeded)

By observing these rules while also meeting the profit targets, you will be able to pass. Now, let’s take a detailed look at all the rules, item by item, for each plan.

Disqualification Conditions | Calculation Method for Daily -5% and Total -10% Limits

Shinshot-kun

Is the daily loss limit calculated based on the “balance” or does the unrealized P&L also matter?

Kaitai Sensei

This is the most important point on Fintokei. The daily loss is calculated based on the “equity”, so the unrealized P&L is also counted in real-time.

Daily Loss Limit

Fintokei’s daily loss limit is set at -5% of the equity (available margin) for the Challenge Plan. Once the daily loss reaches this limit, the account will be disqualified.

It is crucial to understand that the calculation basis is “equity,” not “balance (account value)”.

Let’s look at a specific example:

For a Challenge Plan with an initial capital of 10 million yen, the daily loss limit is 500,000 yen (10 million yen x 5%). If the starting equity on that day is 10 million yen, the account will be disqualified the moment the equity drops below 9.5 million yen.

The key point is that unrealized losses are also counted in real-time. Even if the positions are not closed, the account will be disqualified immediately if the equity drops below the limit due to open position losses.

Maximum Loss Limit

The total loss limit for the Challenge Plan is -10% of the initial capital. This is the cumulative loss, so if the equity drops below 9 million yen for an initial capital of 10 million yen, the account will be disqualified.

Unlike the daily loss limit, the total loss limit is fixed based on the initial capital. Even if the balance increases due to profits, the lower limit for the total loss limit does not change (it is not a trailing stop).

Loss Limit Comparison by Plan

Detailed Rules for the Challenge Plan

Shinshot-kun

The Challenge Plan has STEP1 and STEP2, right? Can you tell me the clearing conditions for each?

Kaitai Sensei

The Challenge Plan requires passing two evaluation steps. STEP1 is an 8% profit target, and STEP2 is 5%. As long as you clear these within the loss limits, you will be recognized as a Pro Trader.

STEP1 Rules

• Profit Target: 8% (of the initial capital)
• Daily Loss Limit: -5%
• Total Loss Limit: -10%
• Minimum Trading Days: 3 days
• No Time Limit

For example, for a 5 million yen plan, the STEP1 target is to make 400,000 yen in profits (5 million yen x 8%). The minimum trading period is 3 days, but you can achieve this over any number of months.

STEP2 Rules

• Profit Target: 5% (of the initial capital)
• Daily Loss Limit: -5%
• Total Loss Limit: -10%
• Minimum Trading Days: 3 days
• No Time Limit

STEP2 has a lower profit target than STEP1. If you were able to clear the 8% in STEP1, maintaining stable trading should make it relatively easy to clear this 5% target.

Rules After Pro Trader Designation

Once you clear both STEP1 and STEP2, you will be designated as a Pro Trader and be able to withdraw a portion of the profits. After the Pro Trader designation, there is no longer a profit target, but the daily loss limit (-5%) and total loss limit (-10%) will continue to apply.

Weekend and Holiday Holding

In the Challenge Plan, it is possible to carry over positions to the weekend. However, the weekend market volatility risk is the trader’s own responsibility,