Monthly subscriptions were the business model futures prop traders loved to hate. So when My Funded Futures (MFFU) dropped recurring billing for new evaluations on 25 August 2026, it looked like a straightforward win for traders. Read the fine print, though, and the deal came with a new clock: trade at least once every seven days, or risk losing the account.
What changed
According to MFFU's help center article on the inactivity rule for the one-time payment model and a review by Traders Fund Hub, evaluations purchased on or after 25 August 2026 are one-time payments with no renewal cycle, replacing recurring billing for new purchases. Existing subscribers continue as legacy customers under their current price, plan, billing cycle and terms.
The trade-off is a new inactivity rule: under the one-time payment model, if a trader does not place a trade for 7 consecutive calendar days, the account can be closed. The logic, as the sources describe it, is that there is no monthly bill to pause or cancel any more, so the firm needs another way to retire dormant accounts.
The billing change follows a broader plan overhaul. Rule guides such as TradeTanto and PropTradingVibes report that MFFU retired its older Starter, Expert and Milestone plans and now runs four plans: Rapid, Builder, Flex and Pro.
Part of an industry-wide shift
MFFU is not alone. Apex Trader Funding moved all of its evaluations to a one-time payment with a 30-day window to pass in its March 2026 overhaul, according to FundedOps. Firms like Tradeify and Lucid Trading were already marketed as part of a newer wave that broke from monthly-subscription pricing. The subscription model is fading because traders hated paying every month for an evaluation they had not passed yet.
But the economics have not disappeared. Subscriptions quietly rewarded firms when traders stalled. One-time pricing removes that revenue, and firms respond with new constraints: time limits, activity rules and tighter funded-stage rules.
The funded-stage switch nobody reads
The inactivity rule is not the only thing that changes after you pay. A rules breakdown from Phidias highlights that, for at least one MFFU path, the drawdown switches from end-of-day to real-time trailing once funded, and news trading flips from allowed to banned. During the evaluation you can trade through CPI, but once funded you must be flat from 2 minutes before to 2 minutes after FOMC, CPI and the employment report. MFFU's own news trading policy page is the official reference for which events and which plans are covered.
For MNQ and NQ traders who built their edge around the 8:30 ET data prints, that difference between evaluation and funded rules is the whole game.
Both sides
The case for MFFU: a one-time fee is cheaper and more predictable for most traders, existing subscribers were grandfathered, and a seven-day activity requirement is not hard to meet for an active day trader. Firms also need some way to close abandoned accounts.
The case against: seven days is short. A vacation, an illness, a family emergency or simply a deliberate decision to sit out a choppy market can now cost you the account. Rules that punish not trading push traders toward forced, low-quality trades, which is the opposite of what disciplined risk management teaches.
What traders can do (general, not advice)
- Put the 7-day clock in your calendar the day you buy an account, including holiday weeks.
- Know whether you are legacy or one-time. Legacy subscribers keep their existing terms; new purchases follow the new model.
- Map evaluation vs funded rules side by side, especially drawdown type and the news window.
- If you must trade to stay active, keep size minimal so the trade cannot damage the account.
- Check the help center before every purchase; rule pages change more often than review sites update.
Key takeaways
- MFFU moved new evaluations to a one-time payment model on 25 August 2026; existing subscribers are grandfathered.
- One-time accounts can be closed after 7 consecutive calendar days without a trade.
- Reviewers report that at least one MFFU path switches to real-time trailing drawdown and bans trading around FOMC, CPI and NFP once funded.
- Apex, Tradeify and Lucid have also moved away from monthly subscriptions; firms are replacing that revenue with new constraints.
- Activity rules can nudge traders into forced trades. Plan for them before you buy.
Put the research to work on your Desk
Explore the tools behind the research, compare the available access, or open your Desk if you already have an account.
FAQ
When did My Funded Futures switch to one-time payments?
For new evaluation purchases made on or after 25 August 2026. Existing subscribers continue as legacy customers under their current terms.
What is the MFFU inactivity rule?
Under the one-time payment model, if you do not place a trade for 7 consecutive calendar days, the account can be closed, according to MFFU's help center.
Can you trade news on a My Funded Futures funded account?
Reviewers report that for at least one path, funded traders must be flat from 2 minutes before to 2 minutes after FOMC, CPI and the employment report, even though the evaluation allows it. Check MFFU's news trading policy for your plan.
Loomi.Ai provides educational market research, not financial advice. Trading futures and options involves substantial risk of loss, and backtested results are historical and do not guarantee future returns.
Sources
- Inactivity Rule - One-Time Payment Model, My Funded Futures Help Center
- My Funded Futures Review 2026: Current Plans & Payouts, Traders Fund Hub
- MyFundedFutures Review 2026, PropTradingVibes
- MyFundedFutures Rules 2026: The Ones That Breach Accounts, Phidias
- News Trading Policy, My Funded Futures Help Center
- Apex Trader Funding's 2026 Rule Changes, Explained, FundedOps