100k Funded Account Payout: Lucas W.'s $580 and the Case for a Small Percentage on a Big Account

A 100k funded account payout does not require a big percentage gain, and Lucas W.'s verified certificate shows it: $580 paid on a 2-Step $100,000 account, issued 4 November 2026. At the 80% split, that payout implies $725 of gross simulated profit, which is 0.725% of the account. This is the path that payout traveled, told by the Trading Desk, and why a gain under 1% can be a perfectly good result on a large balance.

What we know about Lucas W. fits in one line: name on the certificate, amount ($580), account (2-Step $100,000), issue date (4 November 2026), and the public link app.octofunded.com/verify/8982ce05-61cb-5824-ad6c-f71654281946. We do not know his markets, his trade count, his timing or his reasons, and we will not make them up. What we can do is follow the rules every payout on this account must follow, and run the numbers.

The rulebook for a $100,000 2-Step

Every stage of this story is governed by the same table. Here are the published rules for the 2-Step $100,000, in dollars.

Rules from the public plans endpoint, checked 7 November 2026.

Stage 1: the challenge starts

The road begins at checkout. A trader chooses the 2-Step, picks $100,000, and pays $529, or $476.10 with the public code OFF10. On the 2-Step that fee comes back with the first funded payout, so the entry cost is better thought of as a deposit on the evaluation than as a sunk price, provided the trader reaches a payout.

The account opens at $100,000 of simulated balance with two limits that apply for the whole journey. The daily loss: $5,000. The static max loss: $10,000, so equity can never touch $90,000. Static means the floor does not climb as the account grows. Our static vs trailing drawdown explainer shows why that makes room on a larger account.

There is no time limit, so a trader on this size can wait for conditions rather than chase a deadline.

Stage 2: Phase 1, the biggest dollar hurdle on the path

Phase 1 asks for 10%: $10,000, over at least 3 trading days. In dollar terms this is the single largest number in Lucas W.'s journey. The target is more than 17 times the $580 payout at the end.

Percentages are identical across 2-Step sizes, so passing a $100,000 Phase 1 is not mathematically harder than passing a $10,000 one. What changes is the size of every number on the screen. A $5,000 daily limit is a large figure, and so is a position that risks 1%: $1,000. Sizing that looks small in percentage terms can feel very different in dollars.

For the full approach, see how to pass a prop firm challenge and how to calculate lot size at a prop firm.

Stage 3: Phase 2, $5,000 to confirm

The account resets to $100,000 for Phase 2. The target is 5%, $5,000, with a 3 trading day minimum and the same $5,000 daily limit and $90,000 floor. Note the symmetry: the Phase 2 target equals the daily loss limit. One out-of-control day can cost exactly as much as the whole phase is asking for.

Combined, the two phases require $15,000 of simulated profit before the account is funded. The two-step prop firm challenge guide and the OctoFunded 2-Step challenge page cover both phases rule by rule, and from challenge to funded account covers the handover.

Stage 4: the funded $100,000 account

After Phase 2, the account is funded. The target disappears and the 80% split switches on. The daily loss stays at $5,000 and the floor stays at $90,000. The payout clock starts: the first request is available 14 days after funded activation, then every 7 days.

This is where the size of the account starts working differently. On a funded $100,000, the trader's share of a 1% gross gain is $800. On a funded $10,000, it is $80. The rules are the same in percentage terms, but the dollars scale with the balance.

Stage 5: the payout request, and the small percentage

Here is the arithmetic behind the certificate:

Read the last three lines together. The gross profit behind this payout was under 1% of the account, about 7% of what Phase 1 demanded, and less than a sixth of what the account was allowed to lose in a single day. In other words, the funded stage of this journey did not require a large move. It required staying inside the rules and producing a modest gain.

We cannot say whether the account had more profit than $725 at the time, or whether Lucas W. chose to withdraw part of a larger figure. The certificate shows the amount paid, nothing more.

The request has a few conditions: at least $50, KYC complete, and the account inside its limits. On the first payout the fee is refunded as well. The certificate does not state whether this was Lucas W.'s first payout, so we are not claiming a refund was included. If it were, the $529 list fee (or $476.10 with OFF10) would sit beside the $580 as a separate line, not as part of the split. Details: OctoFunded fee refund and how prop firm payouts work.

The same payout on different account sizes

To see why the size matters, here is the gross gain needed for a $580 trader share at each 2-Step size. The $725 gross is constant; only the percentage changes.

Arithmetic only. Larger accounts cost more ($79 for $10,000 up to $999 for $200,000 at list) and the dollar size of every loss limit grows with them. A smaller percentage target is not the same as a smaller risk.

That last point deserves emphasis. A $100,000 account makes a $580 payout a smaller percentage, but a $5,000 daily loss is also a larger dollar swing. The size changes the scale of everything, in both directions. Our $100K funded account page lays out the full product, and risk per trade on a funded account covers sizing.

Stage 6: the certificate

Lucas W.'s certificate is public at app.octofunded.com/verify/8982ce05-61cb-5824-ad6c-f71654281946. Any certificate can be looked up on the OctoFunded verify page.

Where Lucas W. sits among the 9 verified certificates

All nine certificates issued on 4 November 2026 are 2-Step accounts. Lucas W.'s row is in bold, with the implied gross as a percentage of each account.

Lucas W. is fourth of nine by amount and has the smallest gross percentage in the whole batch. Three certificates are on $100,000 accounts: Lucas W. at $580, Henry S. at $890 and Thomas A. at $1,250. Thomas A.'s figure is covered in four-figure prop firm payout, and the largest account in the batch is in 200k funded account payout.

For the other sizes and angles: pass a 10k prop firm challenge, 25k funded account payout, 50k funded account first payout, pass 2 step challenge payout story and funded account profit split payout. For a broad survey, see prop firm payout examples; for what happens across later payouts, growing payouts and large payouts.

What this path teaches about big accounts

The hard part is the same percentage, in bigger dollars. $15,000 of combined challenge targets came before a $725 gross gain on the funded account. On every 2-Step size, the challenge is where most of the work sits.

A small percentage is not a small achievement on this size. 0.725% of $100,000 cleared the $50 minimum more than ten times over and produced a public certificate.

Bigger accounts magnify mistakes too. The $5,000 daily limit and $90,000 floor are as real on the funded account as in Phase 1. Size positions in percentage terms, not by what feels like a normal dollar amount.

Watch and follow

The Payout Proof video on the OctoFunded YouTube channel shows how certificates like this one are issued and verified. New certificates are posted on X @octofunded. Traders on larger accounts swap notes on sizing in the Telegram community. Rule explainers also go out on Instagram, and chart ideas are shared on TradingView.

FAQ

What are the rules for a 100k funded account at OctoFunded?

On the 2-Step $100,000, Phase 1 needs a $10,000 profit (10%) and Phase 2 needs $5,000 (5%), each with at least 3 trading days. The daily loss limit is $5,000 (5%) and the static max loss is $10,000 (10%), so equity must stay above $90,000. The split is 80% to the trader.

How much profit is behind Lucas W.'s $580 payout?

At an 80% split, $580 implies $725 of gross simulated profit. On a $100,000 account that is 0.725% of the starting balance. The firm's 20% share is $145. This is arithmetic from the published split, not a record of his trades.

When can I request a 100k funded account payout?

The first payout is available 14 days after the funded account is activated, then every 7 days. The minimum payout is $50, KYC is required, and the challenge fee is refunded with the first payout.

How much does the 2-Step $100,000 cost?

The list price is $529. With the public code OFF10 it is $476.10. The fee is refunded with the first funded payout.

How can I verify Lucas W.'s $580 payout?

Open app.octofunded.com/verify/8982ce05-61cb-5824-ad6c-f71654281946 to see the certificate, or search any certificate at octofunded.com/verify. It shows the trader's name, amount, account size and issue date.

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Risk Disclosure: Trading involves substantial risk of loss. This article describes a real verified payout, but past payouts do not predict future results. You may lose your entire challenge fee. OctoFunded provides simulated capital; you trade a demo environment, not live markets. Nothing here is investment advice or a promise of income. Percentages and illustrative examples show program mechanics only. Read the full Risk Disclosure before trading.

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