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Payout Cap & Buffer Explained

How the 50% withdrawal rule and the 8% cap work in the Express Phase, and what happens to the profits you don't withdraw.

Written by Roland

During the Express Phase, your withdrawals are governed by two rules working together: the 50% withdrawal rule and the 8% payout cap. Understanding both is key to planning your payouts effectively.

The 50% Withdrawal Rule

When you request a payout in the Express Phase, you may withdraw up to 50% of your available profits. The remaining 50% stays in your account.

This retained half is not lost — it becomes part of your account buffer, which raises your drawdown floor over time and strengthens your account's overall position.

The 8% Payout Cap

Each individual payout request is also capped at 8% of your initial account balance, regardless of how large your profit balance is.

Account

Maximum Single Payout

Starter — $25,000

$2,000

Lite — $50,000

$4,000

Pro — $100,000

$8,000

Max — $150,000

$12,000

Both rules apply simultaneously. Your payout will be whichever is lower: 50% of profits, or the 8% cap.

Example — $50,000 account:

  • You have $4,000 in profits

  • 50% of profits = $2,000

  • 8% cap = $4,000

  • Payout: $2,000

What Happens to the Buffer?

The 50% you retain stays in the account and works in your favour. As your balance grows, the trailing drawdown floor rises with it — and once the floor locks at initial balance + $100, the retained profits become a permanent protective layer above that floor.

This is why Express is a genuine earning phase, not just a waiting period. The more profit you accumulate and the more payouts you request, the stronger your account's position before you go live.

How Many Payouts Can You Request?

You can request multiple payouts throughout the Express Phase, as long as each request meets the minimum requirements:

  • Legacy: 5 trading days of $100 minimum profit since the last payout

  • Limitless: 5 trading days of $200 minimum profit since the last payout

The Express Phase ends once your cumulative payouts reach 10% of your initial account balance.

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