AquaFunded Review
AquaFunded Review 2026: Complete Rules, Drawdown and Payout Guide
AquaFunded has one of the largest account menus. The headline 90% or 100% share does not capture the real decision: instant and Pay-After-Pass accounts add strict consistency and maximum-loss-per-trade rules, while multi-step evaluations use wider static drawdown.
Audit basis: Current official public rules checked 27 August 2026. This is an independent document review. Prop Firm Audit did not purchase this account, test execution or submit a payout. Marketing totals and testimonials are not treated as independently verified evidence.
Key Rules
- Programs: 1-Step, 2-Step Standard/Elite/Pro, 3-Step, Instant and Pay-After-Pass models
- Targets: From 3% Pay-After-Pass to 10%/5% 2-Step Pro
- Daily loss: 0% to 5% by model
- Maximum loss: 3% trailing to 10% static by model
- Profit share: 90% standard on many current models, with optional 100%
- Payout access: Generally every 14 days; some products advertise on-demand access
- Platforms: MetaTrader 5, cTrader and Match-Trader subject to account
- Markets: Forex, indices, metals, energies and crypto CFDs
Account Types Compared
| Program | Target | Daily limit | Maximum loss | Minimum days | Funded/payout condition |
|---|---|---|---|---|---|
| 2-Step Standard | 8% then 5% | 5% | 8% static | 3 per phase | Biweekly rewards |
| 2-Step Elite | 8% then 5% | 4% | 10% static | 3 per phase | Wider total room |
| 2-Step Pro | 10% then 5% | Program-specific | 10% static | Program days | 25% funded consistency |
| 3-Step | 6% / 6% / 6% | 4% | 8% static | Program-specific | 90% standard share |
| Instant Standard | None | No separate daily limit shown | 3% trailing | Funded days | 20% consistency; 2% open-loss cap |
| Pay After Pass | 3% | 3% funded | 5% trailing | 5 profitable days | 15% consistency; 1% open-loss cap |
How the Program Works
Evaluation programs lead to a simulated funded account after review. Instant skips evaluation. Pay After Pass starts with a small entry payment, but the remainder is due after passing; payout eligibility then requires five 0.5% profitable days and consistency.
Drawdown Rules
Static multi-step floors remain tied to starting capital. Instant's 3% trail follows the highest balance. Pay After Pass uses a 5% trailing floor and a 3% daily limit in the funded stage. AquaFunded also enforces maximum combined floating loss per trade idea—2% on most instant sizes and 1% on Pay After Pass—creating a separate hard breach before total drawdown is reached.
Payout and Profit-Split Rules
Many models use a 90% standard share with optional 100%. The normal cycle is 14 days and the minimum funded payout is $100. Instant uses a best-day consistency rule; Pay After Pass requires the highest day to remain below 15% of total profit. Exceeding consistency delays payout rather than closing the account, but it can require substantial extra profit.
Trading Permissions and Prohibited Conduct
News and holding permissions vary. EAs and copiers are subject to account ownership and prohibited-strategy rules. A trader must aggregate simultaneous positions when checking the maximum-loss-per-trade policy.
Platforms and Trading Conditions
Platform and leverage vary by account. Fast-moving metals or crypto can cross the 1%–2% floating-loss cap before the broader drawdown, so size should be based on the smaller rule.
Advantages
- Wide choice of static and trailing models.
- 90% standard share on many plans.
- $100 minimum payout.
- Detailed official help center.
- 24-business-hour approved-payout guarantee claim.
Disadvantages and Important Risks
- Instant and Pay-After-Pass consistency can be very restrictive.
- Separate 1%–2% open-loss cap can cause early breach.
- Large menu increases selection risk.
- 100% share is optional/conditional.
- Pay-after-pass is not pay-nothing-after-pass.
Trust Review
AquaFunded publishes detailed current help articles with worked calculations. That transparency supports a positive score, while its rule complexity and shorter history require careful account-specific review.
Public documentation improves transparency but cannot guarantee a payout. The exact account agreement, KYC result, country eligibility and platform records control each decision.
Best For
Best for traders who want static multi-step drawdown or a high standard split. Instant/Pay-After-Pass fit only traders with very low per-idea risk and smooth daily profits.
Final Verdict
AquaFunded's conventional 2-Step models are easier to manage than its headline instant products. The open-loss and consistency rules are the key audit findings.
Always confirm the live rule table and preserve the terms attached to the purchase.
Official Sources
Trading Conditions
- Profit Split
- 90% standard on many current models, with optional 100%
- Max Drawdown
- 3% trailing to 10% static by model
- Daily Drawdown
- 0% to 5% by model
- Profit Target
- From 3% Pay-After-Pass to 10%/5% 2-Step Pro
- Min Trading Days
- 3 days
- Payout Frequency
- Generally every 14 days; some products advertise on-demand access
- Platforms
- MetaTrader 5, cTrader and Match-Trader subject to account
- Instruments
- Forex, indices, metals, energies and crypto CFDs
Audit Points
- 1AquaFunded official public rules checked 27 August 2026.
- 2Programs: 1-Step, 2-Step Standard/Elite/Pro, 3-Step, Instant and Pay-After-Pass models.
- 3Targets: From 3% Pay-After-Pass to 10%/5% 2-Step Pro.
- 4Daily loss: 0% to 5% by model.
- 5Maximum loss: 3% trailing to 10% static by model.
- 6Profit share: 90% standard on many current models, with optional 100%.
- 7Document review only; no first-hand payout test.
- 8No coupon or promotional code is included.
AquaFunded — Frequently Asked Questions
1-Step, 2-Step Standard/Elite/Pro, 3-Step, Instant and Pay-After-Pass models
From 3% Pay-After-Pass to 10%/5% 2-Step Pro
Daily: 0% to 5% by model. Maximum: 3% trailing to 10% static by model. The selected model controls the calculation.
90% standard on many current models, with optional 100%
Generally every 14 days; some products advertise on-demand access
MetaTrader 5, cTrader and Match-Trader subject to account
No. Coupon and discount content is intentionally excluded.