Gold Funding Review: Plans, Rules, and How It Compares
Gold Funding
Gold Funding is a proprietary trading firm that builds its entire rule set around gold. It is operated by ALFMNY Media Limited, a Hong Kong company registered under business number 77428631, and it sells simulated evaluations on the MatchTrader platform. The firm markets itself on its homepage as "The Only Prop Firm Built for Gold Traders," and its instrument list runs wider than that headline suggests: FX majors and minors, gold, silver, commodities, indices, select US-equity CFDs and crypto are all tradable.
There are two evaluation tracks. Rapid is a single-phase evaluation with one 10% profit target. Classic is a two-phase evaluation with a 10% target followed by a 5% target. Both routes lead to the same funded account, and the firm states plainly that "the drawdown rules are identical on both tracks." Account sizes run from $50,000 to $325,000. This review is based on a read of the firm's own live pages on 13 September 2026.
Plans and pricing
Gold Funding lists three account sizes on its homepage plan widget and adds a fourth, $325,000, at its checkout page only. The prices below are the firm's list prices, read from the live plan cards and the checkout plan selector on 13 September 2026. Both tracks charge a single one-time fee; the firm's FAQ answers the question of recurring costs with "None after the one-time evaluation fee."
| Account size | Rapid (1-Step) | Classic (2-Step) | Profit target | Max drawdown | Daily loss limit |
|---|---|---|---|---|---|
| $50,000 | $489 | $269 | Rapid 10% / Classic 10% then 5% | 12% | 5% |
| $100,000 | $789 | $578 | Rapid 10% / Classic 10% then 5% | 12% | 5% |
| $200,000 | $1,449 | $988 | Rapid 10% / Classic 10% then 5% | 12% | 5% |
| $325,000 | $2,289 | $1,399 | Rapid 10% / Classic 10% then 5% | 12% | 5% |
Classic costs less than Rapid at every size, which is the trade the firm is offering: a lower entry fee in exchange for a second phase. The firm describes Classic as "a lower-cost route to funding that rewards consistency over two stages." At the $100,000 size the gap is $211.
Several capabilities that some firms include as standard are sold as checkout add-ons here, and their price varies with the plan. On the $100,000 Rapid plan the firm lists: No Minimum Days at $118.35, News Trading Freedom at $39.45, Double Leverage at $78.90, Double time limit at $157.80, and Automated Trading at $118.35. On the $325,000 Classic plan the same add-ons are listed at $209.85, $69.95, $139.90, $279.80 and $209.85. A trader who wants news trading and EAs is therefore not paying the headline plan price alone.
Every plan card advertises "Up to 90% profit split." The firm's own FAQ gives the base figure: "80% in your favour. (or 90% with Add-On.) 90% Profit split also available with Scaling plan." A separate FAQ answer states that after three months of payouts a trader gets a 90% lifetime split. The default a new trader starts on is 80%.
Rules
The drawdown model is the clearest part of the offer. The firm states its drawdown is "100% STATIC, never trailing," with both limits locked to the initial account balance. On a $100,000 account the maximum overall drawdown is a fixed $12,000, and the account is breached if the balance falls to $88,000, regardless of how far the account has grown. Nothing moves upward with profit.
The daily loss limit is 5% of the initial account size, and the firm publishes its own worked example: on a $100,000 account the daily limit is a fixed $5,000, so if the balance at midnight is $103,000 the breach threshold for the next day is $98,000. The threshold resets at midnight CET or CEST based on the balance at that time, and floating losses on open trades count toward it.
Leverage is 1:100, with 1:200 available through the double leverage add-on. Each evaluation phase requires a minimum of 7 active trading days, and there is a 30-day time limit to reach the profit target, extendable to 60 days with the Double Max Days add-on. Weekend and overnight holding are permitted without restriction. Scalping is permitted, and the firm states there are "no restrictions on trading, including scalping." Copying between a trader's own accounts is permitted; copying from other traders is not. Negative balance protection is in place.
The rule most likely to affect a passing trader is the 40% best day rule: no single trading day may produce more than 40% of the profit target during an evaluation, or more than 40% of total profit in a payout cycle on a funded account. The firm describes this as a soft breach where "nothing is failed." That characterisation is contested, and the section below sets out why.
On martingale and grid trading, the Terms of Service forbid "martingale, grid or other geometrically expanding exposure patterns," while the FAQ answers the same question with "Allowed if drawdown limits are respected." On resets, all six homepage plan cards list a "25% Reset Discount" while the FAQ states a trader is "automatically eligible for a 35% discounted reset." Both contradictions were live on 13 September 2026. We have not recorded a value for either field rather than pick a side.
Payouts
The payout terms are specific and unusually free of the conditions that normally carry a catch. The first payout is available 7 days from the date of the first placed trade, and every 14 days after that. Payouts are made by bank transfer, USDT, BTC or ETH, and the firm states they are paid in under 48 hours and usually within hours of the request. Bank and Wise withdrawals carry no fee; crypto carries the network fee.
There is no minimum withdrawal and no maximum cap. The firm's answer is "No minimum, as long as you're in profit, you've earned the payout. No cap on max." The evaluation fee is refunded in full with the first payout automatically. KYC with photo ID and proof of address is required before the first payout, and the firm says verification reviews are completed within 24 hours of submission.
Scaling adds 25% to the account balance and to both drawdown limits after each 90-day window of profitability, repeatable, up to a ceiling of $2 million per trader. A trader may hold up to $1 million in active evaluations and funded accounts at once, and funded accounts can be merged. There is also a 14-day money-back guarantee on accounts that remain unused.
Pros and cons
In its favour
- The 12% maximum loss is fully static and locked to the opening balance, so growing the account never moves the breach level.
- No minimum withdrawal, no maximum cap, zero fee on bank and Wise payouts, and the evaluation fee refunded automatically with the first payout.
- Weekend holding, overnight holding, scalping and hedging are all permitted, and the firm applies no consistency rule beyond the 40% best day rule.
Against it
- The advertised "up to 90%" split is not the starting figure. The default is 80%, and 90% requires a paid add-on or three months of payouts.
- News trading, EA and algorithmic trading, double leverage, removing the 7-day minimum and doubling the 30-day limit are each chargeable add-ons, so the headline plan price is not the full cost for many strategies.
- The firm names no regulator. Asked directly whether it is regulated, its FAQ answers only "Prop firms aren't brokers; we are compliant with all regulations and follow AML/KYC." The homepage badge reading "SSL Secured & Regulated" names no authority.
The firm calls this a soft breach. Its Terms of Service separately reserve the right to "delay payout, or classify the account's performance as inconsistent with sustainable trading and terminate the account accordingly." A 1-star TrustPilot review dated 11 September 2026 reports that outcome: "Passed phase 1 but account was failed as made too much in one day." A trader planning around a single large day should not rely on the soft-breach wording.
How it compares
Gold Funding sits in the mid range of CFD firms we track. The table compares the $100,000 plans recorded in our database for three other CFD firms. Prices are the recorded plan price for that size and do not include any add-ons, which differ by firm.
| Firm | $100K plan | Profit split | Daily drawdown | Payout cycle | TrustPilot |
|---|---|---|---|---|---|
| Gold Funding | $578 (2-Step), $789 (1-Step) | 80% | 5% | Every 14 days | 4.2 (17 reviews) |
| AtmosTraders | $550 (2-Step) | Up to 90% | 5% | On demand | 4.6 (416 reviews) |
| Lux Trading Firm | $199 (1-Step) | 80% | 6% static on all accounts | On-Demand | 3.6 (638 reviews) |
| Ment Funding | $750 (1-Step) | 75% default, 90% with paid add-on | 5% (Forex) | 14-day cycle | 4.8 (231 reviews) |
On price, Gold Funding's Classic $100,000 plan at $578 is close to AtmosTraders at $550 and below Ment Funding at $750, while Lux Trading Firm is materially cheaper at $199 for a 1-step. On profit split, 80% is the same figure Lux Trading Firm publishes and above Ment Funding's 75% default. On payout cadence, Gold Funding's 14-day cycle matches Ment Funding, while AtmosTraders and Lux Trading Firm both offer on-demand payouts, which is the more flexible arrangement.
The figure that separates Gold Funding from the group is review volume. With 17 TrustPilot reviews against 416, 638 and 231 for the three comparators, there is considerably less independent trading history to read. The firm's TrustPilot profile also carries a note that it "hasn't invited customers recently."
A static 12% loss limit locked to the opening balance is the clearest thing this firm sells, and it is the reason to look at it.PropFirmMap
Verdict
Gold Funding is a narrow, specific offer rather than a general-purpose evaluation firm. The static 12% maximum loss, the absence of a withdrawal minimum or cap, the automatic fee refund on the first payout and the unrestricted weekend and overnight holding are all concrete terms that favour the trader, and they are published clearly enough to check.
Against that, the pricing is less simple than the plan cards suggest once news trading, automation or double leverage are added, the 80% base split sits below the advertised ceiling, the firm names no regulator, and two of its own documents contradict each other on martingale and on the reset discount. The 40% best day rule is described as harmless by the firm and has at least one trader reporting a failed account under it.
It suits a trader who holds positions across multiple days, trades gold or FX without EAs, values a drawdown level that never moves, and is comfortable with a firm that is recent and thinly reviewed. It suits a news trader or an algorithmic trader less well, because both of those require paid add-ons. US traders are not eligible: the firm states it does "not permit US traders."
Sources, all read 13 September 2026: goldfunding.io, goldfunding.io/checkout, goldfunding.io/faq, goldfunding.io/terms-of-service, and the firm's TrustPilot profile. Comparison figures are the values recorded in the PropFirmMap database for each firm. Prices are list prices and exclude promotional discounts, which change without notice.
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