Paying for a Prop Firm Challenge with Crypto: USDT, BTC and ETH Explained
FundzoriaBy Fundzoria
Many traders cannot pay an overseas company by card, or simply prefer not to. Paying for a challenge with cryptocurrency solves that: it works from almost any country, it does not need a bank card and the payment settles in minutes rather than days.
Crypto payments do have their own rules, though. The network you choose, the exact amount you send and the time you have to send it all matter. This guide walks through how a crypto checkout works at Fundzoria and how to avoid the mistakes that delay an order.
Why prop firms accept crypto
Prop trading attracts traders from all over the world, and international card payments are often declined, blocked by the bank or charged with high conversion fees. Stablecoins such as USDT keep the price in dollars, so the challenge fee you see is the fee you pay, without a currency conversion in between.
- Access from more countries. A crypto wallet or exchange account is enough.
- Dollar pricing. Stablecoins like USDT track the US dollar, so there is no surprise exchange rate.
- Fast settlement. Most networks confirm a payment within minutes.
- No card details shared. You send a payment to an address; no card number is stored anywhere.
How a crypto checkout works at Fundzoria
Fundzoria takes challenge fees in crypto through NOWPayments, a payment processor. The flow is the same for every program and account size.
- Choose your challenge on the Challenges page or in the Billing section of your dashboard.
- Pick a coin and a network, for example USDT on BEP20 or TRC20, BTC or ETH.
- Send the exact amount shown on the payment screen to the address shown, before the timer runs out. You can scan the QR code from a mobile wallet.
- Wait for confirmation. The processor watches the network and marks the payment as confirmed.
- Start trading. Your challenge account is issued automatically as soon as the payment is confirmed, and you receive a receipt by email.
Network fees differ a lot between blockchains. For USDT, BEP20 is usually the cheapest option and TRC20 is also low cost. Ethereum (ERC20) fees can be much higher at busy times. The processing fee for your chosen coin and network is added at payment and shown before you send.
Coins, networks and why they must match
The same coin can live on several blockchains. USDT exists on BNB Smart Chain (BEP20), Tron (TRC20), Ethereum (ERC20) and others. An address on one network is not an address on another.
| Coin and network | Typical network fee | Notes |
|---|---|---|
| USDT · BEP20 | Very low | Usually the cheapest way to pay in dollars |
| USDT · TRC20 | Low | Popular on many exchanges |
| USDT · ERC20 | Can be high | Fees rise when Ethereum is busy |
| BTC | Varies | Confirmation can take longer than stablecoins |
| ETH | Varies | Fees depend on network demand |
If you choose USDT on BEP20, withdraw from your exchange on BEP20. Sending on a different network to the address shown can mean the payment never arrives. If you think you used the wrong network, contact support straight away with your order number and transaction ID.
Send the exact amount
Crypto payments are matched by amount. If less arrives than the payment screen asked for, the order cannot be completed automatically and has to be reviewed by hand, which takes longer.
- Exchange withdrawal fees. Many exchanges deduct their withdrawal fee from the amount you enter. If yours does, add the fee on top so that the full amount arrives.
- Copy, do not retype. Use the copy buttons or the QR code for both the address and the amount.
- Mind the timer. Each payment request is valid for a limited time, shown on the screen. If it runs out before you send, simply start a new payment from your dashboard.
- The payment screen asks for 26.40 USDT on BEP20, including the processing fee.
- Your exchange charges a 0.29 USDT withdrawal fee and deducts it from the amount you enter.
- You enter 26.69 USDT in the withdrawal form so that 26.40 USDT arrives at the address.
The figures are an example only. Your exact amount is always the one shown on your payment screen.
What happens after you pay
Once the network confirms your transaction, your challenge account appears in your dashboard and you can open the web terminal straight away. If you bought coupon codes instead of an account, the codes are sent to you by email and appear in Billing.
If your order shows as waiting for longer than expected, check the transaction on a blockchain explorer first. A transaction that is still unconfirmed on the network has not reached the processor yet. If it is confirmed but your order has not updated, contact support with the transaction ID.
Rewards are paid in USDT too
When you reach the simulated Real stage and meet the reward rules, rewards are paid in USDT on BEP20 or TRC20 to the wallet address you save in your dashboard, after a short review. The minimum reward request is $100. Saving the wallet early, and checking that it supports the network you chose, avoids delays later. You can read the full conditions on the rewards page.
Staying safe with crypto payments
- Only pay through the checkout in your Fundzoria dashboard. Fundzoria staff will never ask you to send crypto to an address in a chat or a private message.
- Check the first and last characters of the address after you paste it.
- Keep your transaction ID until your account is issued.
- Use a wallet or exchange that you control, so that you can show the transaction if support needs it.
Key takeaways
- Crypto lets traders from most countries pay for a challenge in dollars without a bank card.
- Choose the coin and network first, and send on that same network. For USDT, BEP20 is usually the cheapest.
- Send the exact amount shown, and add your exchange's withdrawal fee on top if it is deducted.
- Your challenge account is issued automatically once the payment is confirmed.
- Rewards are paid in USDT on BEP20 or TRC20, so save a wallet that supports your network.
Frequently asked questions
Can I pay for a Fundzoria challenge by card?
Challenge fees are currently paid in cryptocurrency through NOWPayments, or with a coupon code. Card payments are not offered.
Which coins can I use?
Popular choices include USDT, BTC and ETH, and the checkout lists every coin and network available at the time you pay.
How long does it take for my account to be issued?
It is issued automatically as soon as the payment is confirmed on the network, which usually takes a few minutes.
What if I sent slightly less than the amount shown?
The order cannot complete automatically and is reviewed by hand. Contact support with your order number and transaction ID so the team can help.
Is there a fee for paying with crypto?
A network and processing fee is added at payment. It depends on the coin and network you choose and is shown before you send.
