Rules changed after signup, hidden payout caps, discretionary payout denial
I’m writing this review to document my personal experience with Million Dollar Trading Challenge (MDTC) and to help other traders make an informed decision.
At signup, MDTC advertised a $100,000 account with a $10,000 profit target and no minimum trading days. Once inside the dashboard, the actual challenge rules were different, including a lower profit target and minimum trading-day requirements that were not clearly disclosed upfront.
After passing the challenge and trading a funded account, I later discovered additional payout restrictions that were not made clear at the time of purchase, including:
A first payout cap of $800
Additional payout caps within the first 60 days
Trading being locked during payout reviews
Most concerning was the handling of my first payout request. Despite profitable, disciplined trading with defined position sizing and no drawdown violations, my payout was denied under a broad “Prohibited Trading / Section 7” classification.
When I requested clarification, MDTC:
Did not cite a specific subsection violated
Did not reference any specific trades
Did not provide any objective thresholds or corrective guidance
Confirmed that compliance decisions are discretionary and that trade-level details cannot be disclosed
This effectively means traders are expected to continue trading without knowing what behavior is considered acceptable for payouts.
I was told I could “continue trading and qualify for future payouts once activity aligns with compliance standards,” but without any explanation of what needs to change, this is not actionable.
I am not disputing MDTC’s right to enforce its rules. However, from a trader’s perspective, the lack of transparency around payout eligibility, combined with post-signup rule differences and discretionary enforcement, makes it very difficult to assess risk or trust the payout process.
I’ve chosen to discontinue participation and requested deletion of my payment information.
My advice to other traders: read all terms carefully, be aware that payout approval appears to involve subjective discretion, and understand that strong performance alone does not guarantee payout eligibility.
January 19, 2026
Unprompted review