Fundzoria 2-Step Standard: rules, rewards and prices
Two phases, then a Real account.
The classic two-phase evaluation with the biggest daily loss limit of any Fundzoria program. Reach 8% then 5% while staying inside a 5% daily and 10% maximum loss.
- Profit target: 8% then 5%
- Daily loss: 5%
- Maximum loss: 10% static
- Minimum trading days: 3 trading days per phase
- Price: $36.99 to $553.99
Overview
The classic two-phase evaluation with the biggest daily loss limit. Pass both phases and you move to a Real account.
How it works
- 1Phase 1
Reach 8% profit ($8,000 on a $100K account) in closed trades, with every position closed, on at least 3 trading days, without touching a loss limit.
- 2Phase 2
Reach 5% profit ($5,000 on a $100K account) in closed trades, with every position closed, on at least 3 trading days, without touching a loss limit.
- 3Real account
Verify your identity once, then trade your Real account under the same loss limits and request rewards on your payout cycle.
Rules at a glance
| Rule | 2-Step Standard |
|---|---|
| Evaluation phases | 2 phases |
| Profit target | 8% then 5% |
| Daily loss limit | 5% |
| Maximum loss | 10% static |
| Minimum trading days | 3 trading days per phase |
| Inactivity limit | 60 days |
| Time limit | None |
| Account sizes | $5K, $10K, $25K, $50K, $100K |
| Price | $36.99 to $553.99 |
Every Fundzoria account, including a Real account, is a simulated trading account with virtual funds. Orders are not sent to a real market, and virtual balances have no cash value.
Common questions
How much does Fundzoria 2-Step Standard cost?
2-Step Standard is a one-time fee from $36.99 to $553.99, for account sizes of $5K to $100K. There is no subscription.
Hard breaches
Loss limits
These limits are hard breaches. If equity touches one of them at any moment, the account ends.
Hard breachEquity may not fall more than 5% of the initial balance ($5,000 on $100K) below the day’s opening balance. The day resets at 02:00 UTC.
Equity must stay above a fixed floor 10% below the initial balance ($90,000 on $100K) for the life of the account.
Place an order or close a position at least once every 60 days. An open position on its own does not count as activity.
If equity falls to 50% of the margin in use or lower, open positions are closed and the account is breached.
Daily loss limit: how is it calculated?
- Daily allowance (5% of $100,000): $5,000
- Day opens at $100,000: breach at equity $95,000
- Day opens at $102,000: breach at equity $97,000
- The allowance stays 5% of the initial balance, even after your balance grows
Maximum loss: how is it calculated?
- Initial balance: $100,000
- Maximum loss (10%): $10,000
- Loss floor, fixed: $90,000
- Floor after the balance grows to $105,000: $90,000
Inactivity limit: how is it calculated?
- Last order or close: 1 March 2026, 10:00 UTC
- Breach if nothing happens until: 30 April 2026, 10:00 UTC
- The timer restarts when you place an order, market or pending, or a position closes, including by stop loss or take profit
Margin stop-out: how is it calculated?
- Example: margin in use $10,000
- Stop-out when equity is $5,000 or lower
Worked example
| Worked example on $100K | Amount |
|---|---|
| Initial balance | $100,000 |
| Daily allowance (5%) | $5,000 |
| Day opens at $100,000: breach at equity | $95,000 |
| Maximum loss (10%) | $10,000 |
| Loss floor (fixed) | $90,000 |
Daily and maximum loss are checked against equity, which includes floating profit and loss on open positions. Touching a limit counts as a breach.
If a limit is reached
- Trading stops and new orders are blocked.
- Pending orders are cancelled and open positions are closed at the next available quote.
- The account cannot be reactivated. You can start again with a new account.
Copy trading or signal services, cross-account hedging, arbitrage and latency trading, exploiting platform errors, account sharing and multiple profiles all end the account.
Questions about hard breaches
What are the loss limits on 2-Step Standard?
The daily loss limit is 5% of the initial balance, and the maximum loss is 10% as a fixed floor below the initial balance. Touching either ends the account.
Trading guidelines
These are the objectives you need to meet to pass, plus the conditions that apply while you trade. Missing an objective never closes the account; it only means you have not passed yet.
Measured on closed profit. Floating profit on open positions does not count until the position is closed.
Trade on at least 3 trading days in each phase before you can pass, even if the target is reached sooner.
A phase is passed only when the target is met and no positions are open. Progression is then automatic.
Allowed during the evaluation. On the Real account, new orders and changes to pending orders are blocked from 2 minutes before to 2 minutes after high-impact news that affects the instrument.
Positions can stay open overnight and over the weekend. A stop loss, take profit or pending order crossed while the market was closed triggers at the reopen. Take profit and limit orders fill at exactly their set price. A stop loss or stop order fills at the first available price after the gap, which can be worse than the price you set. Floating losses on open positions still count towards your limits.
There is no commission on any market. The spread is the only trading cost.
Lots per order, in steps of 0.01, with up to 100 open positions and pending orders combined on one account.
Profit target: how is it calculated?
- Phase 1 target (8% of $100,000): $8,000
- Phase 1 passes at a closed balance of $108,000
- Phase 2 target (5% of $100,000): $5,000
- Phase 2 passes at a closed balance of $105,000
Minimum trading days: how is it calculated?
- A trading day runs from 02:00 UTC to 02:00 UTC the next day
- The count starts again from zero in each phase
Trading days
What counts as a trading day:
| Activity | Counts as a trading day? |
|---|---|
| A position opened or closed | Yes |
| A pending order that fills | Yes |
| A position closed by stop loss or take profit | Yes |
| A pending order placed but not filled | No (it still counts as activity for the inactivity limit) |
| Only a stop loss or take profit edited | No |
- A trading day runs from 02:00 UTC to 02:00 UTC the next day.
- Each new phase, and the Real account, starts again at the initial balance with a fresh trading-day count.
- No best-day consistency rule.
- No maximum time limit.
- A stop loss is optional but strongly recommended.
Soft breaches
Soft breaches keep the account open, but the affected trades can be excluded and a warning is recorded. Repeating one can be treated as a hard breach.
Soft breachScripts, macros, browser automation or any tool that places, changes or closes orders automatically.
More than 200 orders in one trading day, or rapid-fire order placement designed to game execution.
Risking most of your loss allowance on one one-sided idea: a single oversized position, or several in the same direction, that a small move would breach.
Automated trading: how is it calculated?
- First case: a warning, and the affected trades are excluded from results
- Repeated use: hard breach
Hyperactivity: how is it calculated?
- First case: a warning, and the day’s affected trades may be excluded
- Repeated: hard breach
All-in gambling: how is it calculated?
- Example: on a $100K 2-Step Standard account, 20 lots of EUR/USD lose the full $5,000 daily allowance on a move of about 25 pips
- First case: a warning, and the affected trades may be excluded
- Repeated: hard breach
Questions about trading guidelines
How many trading days do I need on 2-Step Standard?
At least 3 trading days in each phase, even if you reach the target sooner. A trading day runs from 02:00 UTC to 02:00 UTC.
Is there a time limit on 2-Step Standard?
No. There is no deadline to pass. The account only needs an order or a closed position at least once every 60 days.
Rewards
Once you pass and verify your identity, your Real account can request a reward of up to the trader share of your chosen payout cycle. You choose the cycle for each Real account in the dashboard.
Payout cycles
| Payout cycle | First payout | Then | Your share |
|---|---|---|---|
| Weekly | 7 days after funding | Every 7 days | 80% |
| Bi-weekly (default) | 14 days after funding | Every 14 days | 85% |
| Monthly | 30 days after funding | Every 30 days | 100% |
When you can request a payout
- The first payout opens one full cycle after the account becomes funded.
- After that, payouts open at the end of each cycle once you have 3 profitable days (each at least 0.25% of the starting balance) since your last payout.
- Close every position and cancel pending orders before you request a payout.
- Your share must be at least $100, a $3 processing fee is deducted, and rewards are paid in USDT (BEP20 or TRC20) to your saved payout wallet after identity verification and review.
Pass your 2-Step Standard challenge and the fee paid for this account at checkout (in a cart, its share of the total) is added to your first reward on the Real account. It is paid together with that reward, with no separate request. Accounts activated with a coupon code, or received as a gift or prize, do not include it.
2-Step Standard Real accounts can grow by about 25% (rounded to the nearest $1,000) at each scaling review every 4 months, up to $2M, when the review conditions are met.
Questions about rewards
Do I get my 2-Step Standard fee back?
Yes, if you paid for the account at checkout. When you pass and reach a Real account, the fee paid for it (in a cart, its share of the total) is added to your first reward. Accounts activated with a coupon code, or received as a gift or prize, do not include it.
Trading conditions
Leverage and margin
Leverage sets the margin a position needs. Margin = lots × contract size × the USD value of one unit of the base currency ÷ leverage. That value is the price for markets quoted in USD (such as EUR/USD, metals, crypto and stocks), 1 for pairs with USD as the base currency (such as USD/JPY), and the base currency’s USD rate for cross pairs (such as EUR/JPY).
| Market | Leverage |
|---|---|
| Forex | 1:100 |
| Metals | 1:50 |
| Crypto | 1:2 |
| Stocks | 1:5 |
| Margin example at 2-Step Standard leverage | Margin |
|---|---|
| 1.00 lot EUR/USD at 1.10000 | $1,100 |
| 1.00 lot USD/JPY (USD base) | $1,000 |
| 1.00 lot EUR/JPY with EUR/USD at 1.10000 | $1,100 |
| 0.10 lot XAU/USD at 2,500.00 | $500 |
| 0.10 lot BTC/USD at 60,000.00 | $3,000 |
Prices in the margin examples are illustrative.
Account sizes and prices
Account sizes and one-time prices for Fundzoria 2-Step Standard. The price shown at checkout is the one that applies.
| Account size | Phase 1 target | Phase 2 target | Daily loss | Max loss | Price |
|---|---|---|---|---|---|
| $5K | $400 | $250 | $250 | $500 | $36.99 |
| $10K | $800 | $500 | $500 | $1,000 | $67.99 |
| $25K | $2,000 | $1,250 | $1,250 | $2,500 | $182.99 |
| $50K | $4,000 | $2,500 | $2,500 | $5,000 | $295.99 |
| $100K | $8,000 | $5,000 | $5,000 | $10,000 | $553.99 |
Costs and limits
| Instrument | Market | 1.00 lot | Pip size | Typical spread |
|---|---|---|---|---|
| EUR/USD | Forex | 100,000 EUR | 0.0001 | 0.6 pips |
| USD/JPY | Forex | 100,000 USD | 0.01 | 0.7 pips |
| XAU/USD | Metals | 100 oz | 0.1 | $20.00 per lot |
| BTC/USD | Crypto | 1 BTC | 1 | $10.00 per lot |
| AAPL | Stocks | 10 shares | 0.01 | $0.60 per lot |
- Inactivity limit: 60 days without an order or a closed position ends the account.
- No time limit while the account stays active.
- Markets: 48 markets: 29 forex pairs, 2 metals (gold and silver), 9 crypto coins and 8 US stocks. Every instrument and its costs are listed in the web terminal guide.
- Costs: no commission. The spread is the only trading cost.
- Volume: 0.01 to 20.00 lots per order, and up to 100 open positions and pending orders combined.
- Platform: the Fundzoria web terminal in your browser. MT4, MT5 and Expert Advisors are not available.
- Forex and metals: Sunday 22:00 to Friday 22:00 UTC, with a daily break from 21:00 to 22:00 UTC (so Friday trading ends at 21:00 UTC).
- Crypto: open 24 hours a day, 7 days a week.
- US stocks: 09:30 to 16:00 New York time, Monday to Friday.