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# BNPL Funded Account – Payout Rules & Drawdown

# BNPL Funded Account – Payout Rules & Drawdown

## Payout Eligibility

To be eligible for a payout on a BNPL funded account, you must have a **consistency score of 20% or lower**.

**What is the Consistency Score?**
The consistency score measures the stability of your trading performance. It is calculated by dividing your **biggest winning day** by your **total profit**, then multiplying by 100%:

> **Consistency Score = (Biggest Winning Day / Total Profit) × 100%**

If your consistency score exceeds 20%, you must continue trading until it drops to 20% or below before requesting a withdrawal.

## Payout Requests

* Payouts can be requested **immediately** (on-demand) — there is **no need to wait for 10 business days**
* Payouts are processed **within 1 business day** of the request

## Profit Split & Withdrawal Limits

* **Profit split:** 80% to the trader
* **Maximum withdrawal:** Up to **$10,000 per 30-day rolling cycle** (per trader)
* **Challenge fee refund:** Issued after your **3rd successful payout**

## KYC Requirement

KYC (Know Your Customer) verification is required for BNPL accounts, but it is **not completed upfront**. KYC is initiated at the time of your payout request — you do not need to complete it before activating your funded account or before trading.

## Max Drawdown After a Withdrawal

The maximum drawdown for BNPL funded accounts is a **trailing drawdown of 8%**. However, after the **first withdrawal**, the max drawdown **locks at the initial account balance**. 

**Example:** On a $100,000 account that previously reached $110,000 in equity, if you withdraw $4,000 profits when the balance is at $108,000, the maximum drawdown level becomes fixed at **$100,000** (the initial balance) — not 8% from the $110,000 equity high.

## Funded Stage Rules (vs. Evaluation Phase)

Once funded, the following additional rules apply that did not exist during evaluation:

| Rule | Funded Stage |
| ---- |
| Daily Drawdown (EOD) | 4%, resets at 00:00 UTC |
| Max Drawdown | 8% trailing |
| Consistency Score | 20% or lower required per payout |
| M2 Account Saver | Active |
| Profit Rebuild Rule | Applies |

**What remains the same:**
* News trading is allowed (no restrictions)
* No minimum trading days
* Leverage: 75:1
* Profit split: 80%