Unlimited virtual XAUUSD accounts from $500 a month — one open at a time. Pass at +100% or blow the lot, and you keep the full profit of every account you win, settled on the 1st.
No evaluation · Cancel any time · Payout unlocks at 10 resolved accounts
What every subscription includes
How it works
One fee a month, unlimited attempts, one settlement date. The loop below is the entire product.
Pick a tier and pay the monthly fee. That fee is the whole cost — every account you resolve that month is included.
You get a virtual account at your tier's size, with leverage, a lot cap, and the raw broker spread. One account is open at a time.
Place multiple XAUUSD trades, each sized within your tier cap and available margin. Total equity decides the account.
Close all trades with a final balance at least double to pass. Zero equity automatically closes the account as blown. Sixty seconds later you can open the next one, as many times as you like.
Every account resolved in a calendar month is scored together. You are paid for each one you won, and it settles automatically the following month.
The deal
Six terms, stated plainly, and the same on every tier.
Resolve an account and you can open another immediately. There is no reset fee and no monthly cap — the fee you paid already covers them all.
No fixed split to negotiate. Win 70% of your resolved accounts in a month and you are paid 70% of what those wins earned.
One position per account, sized up to the tier cap, decided entirely by you. Nothing partially closes and nothing carries over.
Payouts start once you have 10 resolved accounts behind you, lifetime. That is the only qualifying bar — there is no minimum winrate.
Every account resolved in a calendar month is settled on the 1st of the next one. You cannot exclude a bad account, and neither can we.
Accounts are simulated ledgers, not client money. No real funds sit in them, and your payout comes out of our revenue, not an account balance.
Tiers
Every tier includes the same deal: open an account, trade XAUUSD within its lot limit, and when it resolves, open the next one. The fee sets the size of the account you are trading, not how many you get.
Starter tier
Unlimited $50 accounts for a month.
Virtual account per open position
$50
Billed monthly · Cancel any time · Accounts are virtual ledgers
Pro tier
Unlimited $100 accounts for a month.
Virtual account per open position
$100
Billed monthly · Cancel any time · Accounts are virtual ledgers
Max tier
Unlimited $200 accounts for a month.
Virtual account per open position
$200
Billed monthly · Cancel any time · Accounts are virtual ledgers
Accounts are virtual ledgers — no real client funds sit in them. One account is open at a time, the next can be opened immediately after the previous one resolves, and each account can hold multiple XAUUSD trades.
How the payout works
No fixed profit split, no discretionary review, no cherry-picking. One formula, applied to every account you resolve in a calendar month.
The formula
payout = wins × account size
Applied to every account that resolved inside the calendar month. You keep the full profit of each one — the winrate measures your performance and gates eligibility, it is not a haircut.
A passed account is a win; a blown account is a loss. Each resolved account is one data point in the month's winrate — there is no way to exclude the losers, for either side.
Win 7 of 10 and your share is 70%. Win 6 of 10 and it is 60%. There is no minimum winrate and no fixed split to fall back on.
A passed account contributed exactly one account size of profit, so seven wins on the $500 tier is $3,500 of gross winnings. Accounts opened under different tiers keep their own size.
The payout is calculated every month, but it is released once your lifetime resolved total reaches 10. The gate is lifetime, so it never re-locks.
The following month's 1st, automatically, covering the calendar month just gone. No request to file, no window to miss.
7 passed, 3 blown, $50 per account.
| Account | Outcome | Counts toward winnings |
|---|---|---|
| #01 | Passed | $50 |
| #02 | Passed | $50 |
| #03 | Passed | $50 |
| #04 | Passed | $50 |
| #05 | Passed | $50 |
| #06 | Passed | $50 |
| #07 | Passed | $50 |
| #08 | Blown | — |
| #09 | Blown | — |
| #10 | Blown | — |
Paid out on the 1st
$350
Subscription
$500 / mo
Winnings are never paid twice. Settlement runs against a high-water mark: each month pays the increase in gross winnings over the highest figure already settled. Resolving accounts twice cannot be paid twice, and a quiet month never claws back what you were already paid.
The example above assumes every account was opened on Starter. A winrate is not a promise of profit: three blown accounts out of ten still means three accounts gone, and the payout is a share of the seven that passed.
How an account resolves
Open and close trades as you choose. Zero equity closes the account automatically. To pass, close all trades at double the opening balance or more.
Multiple trades per account
No trade count limit
An account can hold multiple XAUUSD trades within its available margin. Close trades fully or partially. Use manual closes or chosen Take Profit limits. Zero equity closes all trades automatically.
Instrument
XAUUSD only
Gold against the dollar, and nothing else in v1 — one instrument with a raw broker spread.
Resolves as passed
+100% closed balance
Close all trades at double the opening balance or more to pass. Crossing double equity keeps trades open, so you choose when to take profit.
Resolves as blown
100% drawdown
Lose the account's equity and it is over. The account is scored as a loss and closed.
Each resolved account is one trade for scoring purposes, whichever way it went. Ten resolved accounts is what unlocks withdrawal, and they stay counted for life.
Fair play
A subscriber who games the winrate is taking money out of the pool that pays everyone else. These checks run in code, on every account, before settlement.
A second account cannot be opened while one is live, and the next one can open immediately after a resolution. Two accounts cannot be run against each other.
After resetting an ended account, you can trade in either direction immediately. There is no direction lock or trading cooldown.
Increasing size immediately after a loss is flagged. Three open flags freeze payouts until a human has reviewed the run.
A winrate above 85% across 10 or more resolved accounts is audited before it is paid. Sustained winrates that high are rare enough to be worth a look.
Alternating long and short at identical size across consecutive accounts is detected and flagged. It manufactures a winrate without taking a view.
Every blocked attempt, flag, and review is written to an audit trail. The same evidence that protects a payout protects you from an arbitrary one.
These are integrity checks, not a strategy guide. They exist so a clean winrate is worth what it says it is — and they apply to every subscriber equally.
Compare
The tiers differ in exactly two numbers: the monthly fee and the size of the account it opens. Everything else is identical by design.
| Term | Starter | ProPopular | Max |
|---|---|---|---|
| Monthly subscription | $500 / mo | $1,000 / mo | $2,000 / mo |
| Virtual account | $50 | $100 | $200 |
| Max open lots per account | 0.40 lots | 0.70 lots | 1.00 lots |
| Leverage | 1:3000 | 1:3000 | 1:3000 |
| Instrument | XAUUSD | XAUUSD | XAUUSD |
| Client spread | Raw broker spread | Raw broker spread | Raw broker spread |
| Open positions per account | Unlimited | Unlimited | Unlimited |
| Open accounts at once | 1 | 1 | 1 |
| Accounts per month | Unlimited | Unlimited | Unlimited |
| Passes at | +100% equity | +100% equity | +100% equity |
| Blown at | 100% drawdown | 100% drawdown | 100% drawdown |
| Payout share | = your winrate | = your winrate | = your winrate |
| Winrate floor | None | None | None |
| Withdrawal unlocks after | 10 resolved accounts (lifetime) | 10 resolved accounts (lifetime) | 10 resolved accounts (lifetime) |
| Settlement | 1st of the following month | 1st of the following month | 1st of the following month |
| Account type | Virtual ledger | Virtual ledger | Virtual ledger |
Passed at +100%
Close trades fully or partially and keep trading on the same challenge. It passes after all trades close with a final balance at least double.
Blown at 100% drawdown
The whole account is at risk across its open trades. There is no daily loss limit to stop out early and no buffer to fall back on.
FAQ
As many as you can resolve in the month. One account is open at a time; once it resolves, the next can be opened 60 seconds later. The monthly fee buys access to the tier, not a fixed number of accounts.
Payout = wins × account size, across every account that resolved in the calendar month — you keep the full profit of every account you win. Win 7 of the 10 accounts you resolve on the $100 tier and you are paid 7 × $100 = $700.
Automatically on the 1st of the following month. Every account resolved in the calendar month just gone is included — none can be excluded and none need to be requested.
No. You keep the full profit of every account you win, whatever your winrate is. The only gate is the ten resolved accounts that unlock withdrawal, which is counted across your lifetime rather than per month.
There are two outcomes. At +100% equity, trades stay open until you close them manually or at your chosen closing limit. An account passes only when all trades are closed and its final balance is at least double its opening balance. Zero equity closes all trades automatically and resolves the account as blown. Multiple XAUUSD trades can be open within available margin and the total account cap: $50 accounts allow 0.4 lots, $100 allow 0.7 lots, and $200 allow 1 lot. You can close trades fully or partially and keep trading on the same account. Profit can grow beyond +100%. Closing below double keeps the account active.
No. Accounts are virtual ledgers recording a simulated balance, equity, and resolution — no client funds sit in them. Payouts are paid by us out of subscription revenue at the share your winrate earns.
Pick a tier, trade XAUUSD within your account limit, and let your winrate set what you are paid. Accounts are virtual ledgers — you are trading our risk, not depositing your own.
Unlimited virtual XAUUSD accounts, settled monthly on your winrate.
support@fmfunded.comRisk disclosure. Trading gold and other leveraged instruments carries a high level of risk. Past performance is not indicative of future results, and nothing on this site constitutes investment advice. FM Funded accounts are virtual ledgers used to measure trading performance: no client funds are held in them, and a subscription buys access to the program rather than an interest in any underlying asset. Payouts are calculated from resolved accounts and are subject to the published terms of service. Only trade with money you can afford to lose, and only if leveraged trading is permitted where you live.
