Most people evaluating a prediction market prop firm want the same thing before they pay for a challenge: the actual numbers, not marketing copy. This post is that. Every PredictFundr rule, stated plainly, with the one rule that trips people up (the trailing drawdown) worked out with real dollars so there's no ambiguity about how it moves.
These are the current numbers as published on the live rules page. If you want the strategy for passing rather than the rulebook itself, read how to pass the challenge after this.
The rules at a glance
| Rule | PredictFundr challenge |
|---|---|
| Profit target | 20% of starting balance |
| Max drawdown | 10%, trailing your peak balance |
| Daily drawdown limit | None |
| Lifetime payout cap | None |
| Time limit | None |
| Consistency rule | Top day ≤ 40% of total profit |
| Steps to funded | 1 |
| Profit split once funded | 90% you / 10% firm |
| Payout cadence | Weekly, in USDC |
| Account sizes | $5,000 – $100,000 |
Nothing here is a teaser rate that gets worse after the fine print. This is the whole rulebook. Below, each rule gets its own section: what it means, why it exists, and the one that actually decides whether you pass, the trailing drawdown.
The profit target: 20%, one step
Hit 20% growth on your starting balance and you're funded. There's no second phase to clear. A $25,000 challenge account needs to reach $30,000 in equity. A $100,000 account needs to reach $120,000. That's the entire target, at every account size, because the target scales in percentage terms, not dollar terms.
Compare that to how a typical prop-style challenge is often structured elsewhere: a first phase with one target, then a second "verification" phase with a smaller target you have to clear again before you're funded. PredictFundr runs one step. Hit the number once, breach nothing along the way, and the funded account is yours. You don't re-prove yourself a second time.
The trailing drawdown: 10%, and exactly how it moves
This is the rule that actually decides most outcomes, and it's the one most people get wrong when they estimate it in their head. A trailing drawdown does not sit a fixed 10% below your starting balance. It sits 10% below your highest-ever balance, your peak, sometimes called the high-water mark, and it only moves in one direction: up.
Two properties matter:
- The floor rises with new peaks. Every time your account marks a new all-time high, the floor recalculates to 10% below that new high.
- The floor never falls back down. If your balance later drops from that peak, the floor stays exactly where it was set. It only ever moves up, never down.
That second point is the one people miscalculate. It means your allowable loss shrinks as you make money. The drawdown isn't measured from where you started, it's measured from the best you've ever done.
Worked example on a $25,000 account
Start with a PredictFundr $25K challenge. Starting balance: $25,000. Initial floor: 10% below that, so $22,500.
| Step | Account balance | New peak? | Drawdown floor |
|---|---|---|---|
| Start | $25,000 | Peak = $25,000 | $22,500 |
| Good week | Rises to $28,000 | Yes, new peak | Floor recalculates: $28,000 − 10% = $25,200 |
| Pullback | Falls to $26,000 | No | Stays at $25,200, does not drop with the balance |
| New high | Rises to $30,000 (target hit) | Yes, new peak | Floor recalculates: $30,000 − 10% = $27,000 |
Notice what happened: after the account touched $28,000, the floor locked at $25,200, above the $25,000 starting balance. The pullback to $26,000 didn't fail the account, because $26,000 is still above $25,200. But it also means you no longer have $2,500 of breathing room from your starting balance; you have $800 of room from your new floor. Once the account reached $30,000 and the target was hit, the floor had already climbed to $27,000, a full $3,000 above where the account started.
The floor only ratchets up, and it does so the moment you print a new peak, not at the end of the day or the end of the challenge. Treat your most recent peak as your real zero, not your starting balance. A trade that looked small against $25,000 can be a meaningful chunk of distance-to-floor once the floor has climbed.
For the sizing discipline that keeps you on the right side of that floor, see how to pass a PredictFundr challenge.
No daily drawdown, no lifetime cap
Two rules that are common in funded-account programs generally are deliberately absent here.
No daily drawdown limit. Some challenge structures fail you the moment you lose a set percentage in a single day, on top of the overall drawdown. PredictFundr only has the one loss rule: the 10% trailing drawdown against your all-time peak. A rough session doesn't end your challenge on its own; only breaching the floor does.
No lifetime cap. Once you're funded, there's no ceiling on total payouts over the life of the account. You keep 90% of profit on every cycle, indefinitely, for as long as the account stays funded, not until you hit some maximum lifetime payout figure and get cut off.
Fewer simultaneous loss rules means fewer ways to fail for reasons unrelated to your actual edge. It also means the one rule that remains, the trailing drawdown, carries the full weight of risk management, which is exactly why it deserves the worked-out attention above.
The consistency rule: top day ≤ 40% of profit
One more rule applies at pass time: no single day may account for more than 40% of your total positive profit. On a $25,000 account, the target is $5,000 of profit; if $3,000 of it came from one session, your biggest day is 60% of the total and the pass waits until the rest of your trading catches up. Nothing fails, you simply keep trading until the ratio comes back inside the line.
The point is what it filters for. A funded account is a bet on a repeatable process, and a pass built on one lucky afternoon tells the firm nothing. Spread across even three or four green sessions, the same dollars clear the rule without a second thought, which is how a trader with a real edge ends up trading anyway.
Getting paid: 90% split, weekly in USDC
Once funded, you keep 90% of the profit your account generates; PredictFundr keeps 10%. Payouts run on a weekly cadence, paid in USDC. The account stays open after a withdrawal. Cashing out doesn't close or reset it, so you keep trading and keep collecting on the same schedule going forward.
A typical prop-style challenge elsewhere might pay out on a longer cycle, or require a minimum number of live trading days before the first payout even becomes eligible. Weekly USDC payouts on an account that stays open after each one is a materially faster loop between performance and cash in hand.
Account sizes: $5,000 to $100,000
Challenges are available from $5,000 up to $100,000 in starting balance. The profit target (20%) and the trailing drawdown (10%) are the same percentages at every size: a $5K account needs to reach $6,000, a $100K account needs to reach $120,000, and the drawdown math from the worked example above scales the same way at any size. Pick the account size that matches how much of the challenge fee you're comfortable risking, not a size you think is more "impressive."
If you want to rehearse the rules with real money mechanics before buying a challenge, the free $25K practice terminal at app.predictfundr.com/terminal runs the same drawdown and target logic with no fee attached.
How this compares to a typical challenge structure
| PredictFundr | Typical prop challenge | |
|---|---|---|
| Steps to funded | 1 | Often 2 (evaluation + verification) |
| Daily loss limit | None | Often present, on top of overall drawdown |
| Lifetime payout cap | None | Sometimes capped |
| Drawdown type | 10% trailing high-water mark | Varies: trailing or static |
| Payout cadence | Weekly, USDC | Varies, often longer cycles |
The structural difference isn't any single number. It's how many independent ways there are to fail. One step, one drawdown rule, no daily clock. Fewer rules stacked on top of each other means the challenge is measuring one thing: whether your edge survives a 10% trailing floor long enough to add 20%.
Frequently asked questions
What is the PredictFundr profit target?
20% of your starting balance, hit once, on a single-step challenge. Clear the target without breaching the drawdown floor and the funded account is yours.
How does the 10% trailing drawdown work?
Your loss floor sits 10% below your highest-ever account balance, not your starting balance. As the balance makes new highs, the floor rises to stay 10% below that new peak, and it never moves back down even if the balance later falls.
Is there a daily drawdown limit?
No. The only loss rule is the 10% trailing drawdown measured against your all-time high balance, so one bad session does not fail the account on its own.
What is the consistency rule?
No single day may exceed 40% of your total positive profit at pass time. It does not fail the account; it just means a pass built on one outsized session waits until the rest of your trading balances the ratio.
Is there a lifetime cap on payouts?
No. You keep 90% of profit on every payout cycle for as long as the account stays funded, paid weekly in USDC, with no maximum lifetime payout figure.
What account sizes are available?
Challenges run from $5,000 to $100,000 in starting balance. The 20% target and 10% trailing drawdown are the same percentages at every size, only the dollar amounts scale.
Know the rules, now trade them
One step, a 20% target, a 10% trailing drawdown you now know how to read. Pass once and trade up to $100K in prediction markets, keeping 90% of profits.
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