CFDSaint Lucia

Atlas Funded Prop Firm

Explore available platforms, evaluation programs and payout rules.

Score: 7.3/10
Safety grade: B+
Founded: Jan 2024
Direct funding: Not available

Profit split90% as standard on every program, 100% with the add-on

Payouts14 days after the funded account is created, then every 14 days (28 days to the first payout on Access; on demand Monday to Friday on 1-Step Daily and 2-Step Daily); Weekly and On-Demand Payout add-ons at checkout shorten the cycle

Programs & evaluation62

Choose from a range of evaluation programs with flexible profit splits and trading conditions.

Account size

Instant Funded

Instant funding$10K

Daily loss limit: 3%
Maximum drawdown: 5% Trailing, end of day
Profit split: 90%
Drawdown model: eod

Program details

Default: first reward 28 days, then every 14 days (Weekly add-on: first 21 days, then every 7 days). Profit split 80% default, 100% via add-on (+20% fee). Consistency rule: 20% max per trading day (best day can't exceed 20% of cycle profit). Refundable fee: refunded on 5th payout.

1-Step

1 step$10K

Profit target: 10%
Daily loss limit: 4%
Maximum drawdown: 7% Static
Profit split: 90%
Drawdown model: Static

Program details

Default reward: first at 14 days, then every 14 days. Profit split 80% default, 100% with add-on (+20%). No resets on this model (Free Retry add-on available, +25%, evaluation-phase-only, reduces overall DD to 5%). Refundable fee: refunded on 4th payout.

2-Step

2 steps$10K

Profit target: 8%
Daily loss limit: 5%
Maximum drawdown: 10% Static
Profit split: 90%
Drawdown model: Static

Program details

Default reward: first at 14 days then every 14 days (On-Demand add-on +20%). Profit split 80% default, 100% with add-on (+20%). No resets; Free Retry add-on available (+25%, evaluation-phase-only, daily loss reduced to 3%). Refundable fee: refunded on 4th reward.

Pay Later

1 step$10K

Profit target: 3%
Daily loss limit: 5%
Maximum drawdown: 10% Trailing, equity
Profit split: 90%
Drawdown model: intraday_trailing

Program details

Pay-after-you-pass: small entry fee upfront, full fee only charged after passing Step 1. Funded stage: min 4 trading days at 1% gain/day, max daily loss 3% trailing, max overall loss 6% trailing, consistency rule 25% (best day cannot exceed 25% of cycle profit, does not breach but blocks payout). Profit split 80% default, 100% with add-on. Resets available after breach within 72hrs (Reset #1 fee = 40% of initial purchase, reduces consistency rule to 25%, caps first post-reset payout at 50% split). Max $400,000 actively-traded allocation across accounts at any one time.

Instant Funded

Instant funding$5K

Daily loss limit: 3%
Maximum drawdown: 5% Trailing, end of day
Profit split: 90%
Drawdown model: eod

Program details

1-Step

1 step$5K

Profit target: 10%
Daily loss limit: 4%
Maximum drawdown: 7% Static
Profit split: 90%
Drawdown model: Static

Program details

2-Step

2 steps$5K

Profit target: 8%
Daily loss limit: 5%
Maximum drawdown: 10% Static
Profit split: 90%
Drawdown model: Static

Program details

Pay Later

1 step$5K

Profit target: 3%
Daily loss limit: 5%
Maximum drawdown: 10% Trailing, equity
Profit split: 90%
Drawdown model: intraday_trailing

Program details

Instant Funded

Instant funding$25K

Daily loss limit: 3%
Maximum drawdown: 5% Trailing, end of day
Profit split: 90%
Drawdown model: eod

Program details

1-Step

1 step$25K

Profit target: 10%
Daily loss limit: 4%
Maximum drawdown: 7% Static
Profit split: 90%
Drawdown model: Static

Program details

2-Step

2 steps$25K

Profit target: 8%
Daily loss limit: 5%
Maximum drawdown: 10% Static
Profit split: 90%
Drawdown model: Static

Program details

Pay Later

1 step$25K

Profit target: 3%
Daily loss limit: 5%
Maximum drawdown: 10% Trailing, equity
Profit split: 90%
Drawdown model: intraday_trailing

Program details

Instant Funded

Instant funding$50K

Daily loss limit: 3%
Maximum drawdown: 5% Trailing, end of day
Profit split: 90%
Drawdown model: eod

Program details

1-Step

1 step$50K

Profit target: 10%
Daily loss limit: 4%
Maximum drawdown: 7% Static
Profit split: 90%
Drawdown model: Static

Program details

2-Step

2 steps$50K

Profit target: 8%
Daily loss limit: 5%
Maximum drawdown: 10% Static
Profit split: 90%
Drawdown model: Static

Program details

Pay Later

1 step$50K

Profit target: 3%
Daily loss limit: 5%
Maximum drawdown: 10% Trailing, equity
Profit split: 90%
Drawdown model: intraday_trailing

Program details

Instant Funded

Instant funding$100K

Daily loss limit: 3%
Maximum drawdown: 5% Trailing, end of day
Profit split: 90%
Drawdown model: eod

Program details

1-Step

1 step$100K

Profit target: 10%
Daily loss limit: 4%
Maximum drawdown: 7% Static
Profit split: 90%
Drawdown model: Static

Program details

2-Step

2 steps$100K

Profit target: 8%
Daily loss limit: 5%
Maximum drawdown: 10% Static
Profit split: 90%
Drawdown model: Static

Program details

Pay Later

1 step$100K

Profit target: 3%
Daily loss limit: 5%
Maximum drawdown: 10% Trailing, equity
Profit split: 90%
Drawdown model: intraday_trailing

Program details

Instant Funded

Instant funding$200K

Daily loss limit: 3%
Maximum drawdown: 5% Trailing, end of day
Profit split: 90%
Drawdown model: eod

Program details

1-Step

1 step$200K

Profit target: 10%
Daily loss limit: 4%
Maximum drawdown: 7% Static
Profit split: 90%
Drawdown model: Static

Program details

2-Step

2 steps$200K

Profit target: 8%
Daily loss limit: 5%
Maximum drawdown: 10% Static
Profit split: 90%
Drawdown model: Static

Program details

Pay Later

1 step$200K

Profit target: 3%
Daily loss limit: 5%
Maximum drawdown: 10% Trailing, equity
Profit split: 90%
Drawdown model: intraday_trailing

Program details

Instant Funded

Instant funding$300K

Daily loss limit: 3%
Maximum drawdown: 5% Trailing, end of day
Profit split: 90%
Drawdown model: eod

Program details

Pay Later

1 step$300K

Profit target: 3%
Daily loss limit: 5%
Maximum drawdown: 10% Trailing, equity
Profit split: 90%
Drawdown model: intraday_trailing

Program details

Pay Later

1 step$400K

Profit target: 3%
Daily loss limit: 5%
Maximum drawdown: 10% Trailing, equity
Profit split: 90%
Drawdown model: intraday_trailing

Program details

Instant Zero

Instant funding$10K

Maximum drawdown: 4% Trailing, end of day
Profit split: 90%
Drawdown model: eod

1-Step Daily

1 step$10K

Profit target: 8%
Daily loss limit: 3% Static
Maximum drawdown: 6% Static
Profit split: 90%
Drawdown model: Static

2-Step Daily

2 steps$10K

Profit target: 7%
Daily loss limit: 4% Static
Maximum drawdown: 8% Static
Profit split: 90%
Drawdown model: Static

Instant Zero

Instant funding$5K

Maximum drawdown: 4% Trailing, end of day
Profit split: 90%
Drawdown model: eod

1-Step Daily

1 step$5K

Profit target: 8%
Daily loss limit: 3% Static
Maximum drawdown: 6% Static
Profit split: 90%
Drawdown model: Static

2-Step Daily

2 steps$5K

Profit target: 7%
Daily loss limit: 4% Static
Maximum drawdown: 8% Static
Profit split: 90%
Drawdown model: Static

Instant Zero

Instant funding$25K

Maximum drawdown: 4% Trailing, end of day
Profit split: 90%
Drawdown model: eod

1-Step Daily

1 step$25K

Profit target: 8%
Daily loss limit: 3% Static
Maximum drawdown: 6% Static
Profit split: 90%
Drawdown model: Static

2-Step Daily

2 steps$25K

Profit target: 7%
Daily loss limit: 4% Static
Maximum drawdown: 8% Static
Profit split: 90%
Drawdown model: Static

Atlas Standard

1 step$25K

Profit target: $1,500
Daily loss limit: $600
Maximum drawdown: $1,000
Profit split: 90%
Drawdown model: Static

Atlas Apex

1 step$25K

Profit target: $1,500
Daily loss limit: $600
Maximum drawdown: $1,000
Profit split: 90%
Drawdown model: Static

Atlas Daily

1 step$25K

Profit target: $1,500
Daily loss limit: $600
Maximum drawdown: $1,000
Profit split: 90%
Drawdown model: Static

Atlas Direct

Instant funding$25K

Maximum drawdown: $1,000
Profit split: 90%
Drawdown model: Static

Instant Zero

Instant funding$50K

Maximum drawdown: 4% Trailing, end of day
Profit split: 90%
Drawdown model: eod

1-Step Daily

1 step$50K

Profit target: 8%
Daily loss limit: 3% Static
Maximum drawdown: 6% Static
Profit split: 90%
Drawdown model: Static

2-Step Daily

2 steps$50K

Profit target: 7%
Daily loss limit: 4% Static
Maximum drawdown: 8% Static
Profit split: 90%
Drawdown model: Static

Atlas Standard

1 step$50K

Profit target: $3,000
Daily loss limit: $1,200
Maximum drawdown: $2,000
Profit split: 90%
Drawdown model: Static

Atlas Apex

1 step$50K

Profit target: $3,000
Daily loss limit: $1,200
Maximum drawdown: $2,000
Profit split: 90%
Drawdown model: Static

Atlas Daily

1 step$50K

Profit target: $3,000
Daily loss limit: $1,200
Maximum drawdown: $2,000
Profit split: 90%
Drawdown model: Static

Atlas Direct

Instant funding$50K

Daily loss limit: $1,200
Maximum drawdown: $2,000
Profit split: 90%
Drawdown model: Static

Instant Zero

Instant funding$100K

Maximum drawdown: 4% Trailing, end of day
Profit split: 90%
Drawdown model: eod

1-Step Daily

1 step$100K

Profit target: 8%
Daily loss limit: 3% Static
Maximum drawdown: 6% Static
Profit split: 90%
Drawdown model: Static

2-Step Daily

2 steps$100K

Profit target: 7%
Daily loss limit: 4% Static
Maximum drawdown: 8% Static
Profit split: 90%
Drawdown model: Static

Atlas Standard

1 step$100K

Profit target: $6,000
Daily loss limit: $1,800
Maximum drawdown: $3,000
Profit split: 90%
Drawdown model: Static

Atlas Apex

1 step$100K

Profit target: $6,000
Daily loss limit: $1,800
Maximum drawdown: $3,000
Profit split: 90%
Drawdown model: Static

Atlas Daily

1 step$100K

Profit target: $6,000
Daily loss limit: $1,800
Maximum drawdown: $3,000
Profit split: 90%
Drawdown model: Static

Atlas Direct

Instant funding$100K

Daily loss limit: $2,100
Maximum drawdown: $3,000
Profit split: 90%
Drawdown model: Static

Instant Zero

Instant funding$200K

Maximum drawdown: 4% Trailing, end of day
Profit split: 90%
Drawdown model: eod

1-Step Daily

1 step$200K

Profit target: 8%
Daily loss limit: 3% Static
Maximum drawdown: 6% Static
Profit split: 90%
Drawdown model: Static

2-Step Daily

2 steps$200K

Profit target: 7%
Daily loss limit: 4% Static
Maximum drawdown: 8% Static
Profit split: 90%
Drawdown model: Static

Instant Funded

Instant funding$400K

Daily loss limit: 3%
Maximum drawdown: 5% Trailing, end of day
Profit split: 90%
Drawdown model: eod

Atlas Standard

1 step$150K

Profit target: $9,000
Daily loss limit: $2,700
Maximum drawdown: $4,500
Profit split: 90%
Drawdown model: Static

Atlas Apex

1 step$150K

Profit target: $9,000
Daily loss limit: $2,700
Maximum drawdown: $4,500
Profit split: 90%
Drawdown model: Static

Atlas Daily

1 step$150K

Profit target: $9,000
Daily loss limit: $2,700
Maximum drawdown: $4,500
Profit split: 90%
Drawdown model: Static

Atlas Direct

Instant funding$150K

Daily loss limit: $3,000
Maximum drawdown: $4,500
Profit split: 90%
Drawdown model: Static

Platforms

Match Trader

MetaTrader 5 (MT5)

Volumetrica

TradeLocker

Company overview

Atlas Funded is a proprietary trading firm offering simulated Forex/CFD evaluation and instant-funding programs (Instant Zero, Instant Funded, 1-Step, 1-Step Daily, 2-Step, 2-Step Daily, Access, shown here as Pay Later) plus a separate Futures product line, traded on MetaTrader 5, TradeLocker and Match Trader. Evaluation fees are one-time payments rather than subscriptions. The Terms and Conditions name Atlas Funded LTD, a Saint Lucia corporation, as the provider of the simulated trading services, while Atlas Vanquish FZCO (Dubai, UAE) is the entity named throughout the rest of the document; the company states it does not carry out any regulated financial activities.

Payouts & rules

Payment methods: Multiple options (see official website)
Payout methods: Multiple options (see official website)
Payouts: 14 days after the funded account is created, then every 14 days (28 days to the first payout on Access; on demand Monday to Friday on 1-Step Daily and 2-Step Daily); Weekly and On-Demand Payout add-ons at checkout shorten the cycle
Payout frequency note: Add-on-dependent. The default payout cycle differs by page, as read on 2026-11-02: the docs payouts page and Trading Rules section 18.1 give a first payout after 14 days, then every 14 days, with 28 days to the first payout on Access, while Terms and Conditions section 6.2 gives 30 days from your first funded trade, then every 30 days.

Trading rules

Payout rules

Notes: Refunds of evaluation fees are only available to traders who successfully pass their evaluation, reach the funded stage, and complete the required number of payout cycles as outlined below. Refunds are processed together with the payout in which eligibility is met. 1-Step Evaluation Refund is issued with the 3rd funded payout. 2-Step Evaluation Refund is issued with the 3rd funded payout. 2-Step Pro Evaluation Refund is issued with the 3rd funded payout. 1-Step Atlas Access Refund is issued with the 4th funded payout. 2-Step Atlas Access Refund is issued with the 4th funded payout. Instant Funded Refund is issued with the 5th funded payout.
On demand: Yes
Proof note: Atlas Funded uses Veriff, a secure third-party provider, to verify your identity.
Fees by payout method: Bank charges, processor fees and currency conversion costs are yours.
Profit split: 90% as standard on every program, 100% with the add-on.
Minimum withdrawal: 100
Proof required: Yes
Processing time: up to 1 to 5 business days for payment to be processed
Payouts: Every 14 days
Days until first payout: 14
Maximum withdrawal note: No method has an upper limit.
Payout schedule note: Payouts run in cycles: a first window, then a repeating one. The first window counts from when the funded account was created. First payout, then every: Instant Zero 14 days, then every 14 days. Instant Funded 14 days, then every 14 days. 1-Step 14 days, then every 14 days. 2-Step 14 days, then every 14 days. Access 28 days, then every 14 days. 1-Step Daily and 2-Step Daily on demand (Monday to Friday). Add-ons shorten the cycle: Weekly Payout is 7 days, then every 7 on Instant Zero and Instant Funded, and 14 days, then every 7 on Access. On-Demand Payout is immediately, then every 14 days. Instant Zero and Instant Funded accounts purchased before 17 October 2026 keep their original cycle: the first payout after 28 days, then every 14 days (14, then 7 with Weekly Payout).
Profit split scaling: With the 100% Profit Split add-on 100%
Payout consistency rule: Varies by program; see each challenge's rewards field for the applicable consistency rule
Maximum withdrawal is uncapped: Yes
Fee refunded on first payout: No

Trading rules

Notes: T&C section 3.1 lists older figures under legacy naming (Atlas Trader/Express/Plus) not matching the live checkout catalog or help-center articles used for challenges[]; treated as superseded boilerplate, logged as a conflict.
Reset note: After a breach you have 7 days to reset the account at a discount and continue from the phase you were in.
Holding note: Holding trades over the weekend (Friday-Monday) is permitted; opening new positions on Saturday and Sunday is not allowed
Maximum leverage: CFD/Forex accounts are set up with leverage of up to 1:100. Access funded accounts on MetaTrader 5 are the exception: they run at 1:50.
Scaling Plan: If a trader meets the performance criteria over a set period without violating any risk rules, their account may be scaled up to a higher funding level.
Reset allowed: Allowed
Scalping note: Scalping, as long as funded trades are held for at least 3 minutes.
Hedging allowed: Not allowed
Inactivity rule: Open at least one trade every 30 days, or the account is closed. Instant Zero has no inactivity limit.
Daily loss reset: Resets Midnight UTC based on the previous day's highest balance/equity
Scalping allowed: Allowed
Maximum position size: The One-Sided Risk Exposure rule has been removed and does not apply to any account. No account is closed or charged for risk concentrated on one instrument.
News trading note: Permitted on Evaluation accounts; restricted on Funded accounts - profits from trades opened/closed within 5 minutes of a red-folder high-impact news event are subject to withdrawal/deduction from payout (not treated as a breach)
Minimum trade duration: 3 minutes
Stop loss required: No
Allowed instruments: Below is an overview of the available asset classes and examples of instruments within each category: Forex (Foreign Exchange) Trade a wide array of currency pairs, including: Major Pairs: EUR/USD, GBP/USD, USD/JPY Minor Pairs: EUR/GBP, AUD/CAD, NZD/JPY Exotic Pairs: USD/TRY, EUR/SEK, GBP/ZAR Commodities Access the commodities market with instruments such as: Metals: Gold (XAU/USD), Silver (XAG/USD), Platinum Energy: Crude Oil (WTI and Brent), Natural Gas Indices Trade global stock indices, including: US Indices: S&P 500, NASDAQ 100, Dow Jones Industrial Average European Indices: FTSE 100, DAX 30, CAC 40 Asian Indices: Nikkei 225, Hang Seng Index, ASX 200 Cryptocurrencies
Challenge time limit: Unlimited (no time limit to complete evaluation phases) except Atlas Access, which has no time limit either per section 20.2.4
Copy trading allowed: Not allowed
Funded drawdown rules: Varies by program - see each challenge's phases
News Trading Allowed: Allowed
Expert advisors allowed: Allowed
Prohibited strategies: Hedging across brokers/prop firms, tick scalping/latency arbitrage, account sharing or third-party trading services, external pass-for-me services, excessive order placement, gambling-style strategies (all-or-nothing, oversized trades, hope-based holds)
Funded account consistency rule: Instant: 20% max profit on any single trading day (best day cannot exceed 20% of cycle profit); other programs vary, see each challenge's rewards field
Challenge drawdown rules: Varies by program: Static (1-Step, 1-Step Daily, 2-Step, 2-Step Daily) or Trailing (Instant Zero, Instant Funded, Access) - see each challenge's phases
Weekend holding allowed: Allowed
Challenge drawdown model: Static
Overnight holding allowed: Allowed
Challenge consistency rule: No consistency rule

What stands out

Published advantages and trade-offs to review before choosing a program.

Key benefits

One-time fee (no subscriptions, no monthly fees), 90% profit split as standard scaling to 100% via add-on, Access pay-after-you-pass option, weekly/on-demand payout add-ons, both Forex/CFD and a separate Futures line

Things to consider

Terms and Conditions name a Dubai FZCO entity that differs from the Saint Lucia LTD listed as the simulated-trading provider; refund-payout-number conflicts vs help-center articles; default funded profit split differs by page: Terms and Conditions section 6.1 (updated 29 October 2026) says 80% to you and 20% to Atlas, while Trading Rules section 18.3 (updated July 2026), the docs profit split page (reviewed 26 October 2026) and the home page say 90%; payout processing time differs by page: Terms and Conditions section 6.2 says approved payouts are processed within 1 to 5 business days, while Trading Rules section 18.4 and the home page say 24 hours and the docs payout guarantee page says first payouts within 24 working hours and later ones within 48 working hours; Weekly add-on first payout differs by page: Terms and Conditions section 6.2 and Trading Rules section 18.1 say after 21 days, while the docs add-ons page says after 7 days on Instant Zero and Instant Funded and after 14 days on Access; Terms and Conditions section 6.2 lists a Bi-weekly add-on (first payout after 30 days, then every 14 days) that the docs add-ons page does not list; TrustPilot 3.9/5 Great (2,087 reviews, read 2026-11-03) with payout complaints in 3 of the 20 newest reviews

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