From Challenge to Funded Account: The Path Behind Henry S.'s $890 Payout

Going from challenge to funded account on an OctoFunded 2-Step $100,000 means clearing two evaluation phases, a funded activation, a 14-day wait and a KYC check before a single payout can be issued, and Henry S.'s verified $890 certificate is proof that one trader made it to the end of that road. We do not know how he traded, which markets he picked or how long each phase took. What we do know is the route every 2-Step trader must travel, and the certificate tells us he reached the last stop.

The certificate is public: app.octofunded.com/verify/4bd48468-370d-5b64-9ee8-b8f1c150da2d. Issued 4 November 2026. Amount: $890. Account: 2-Step $100,000. That is the full list of facts. Everything below is the Trading Desk walking you through the stages that payout had to pass, using the published rules and real arithmetic.

The map: 2-Step $100,000 rules in dollars

Before we walk the path, here is the map. Every number below applies to every trader on a 2-Step $100,000, including Henry S.

Source: OctoFunded public plans, checked 7 November 2026.

Stage 1: the challenge starts

Every story on the 2-Step begins at checkout. The $100,000 account lists at $529, or $476.10 with the public code OFF10. That fee is the only money a trader puts at risk. The account itself is simulated capital, and the fee is refunded with the first payout if the trader gets that far.

The moment the account is live, two rules start running in the background and never switch off: the 5% daily loss limit and the 10% static max loss. On $100,000 those are $5,000 and $10,000. "Static" matters here. The $90,000 floor does not move up when the balance grows, which is different from a trailing model. If you want the full comparison, our guide on the two-step prop firm challenge breaks it down.

Henry S.'s certificate tells us he paid for a 2-Step $100,000 and that it ended in a payout. It does not tell us whether he used OFF10, when he bought it, or whether this was his first attempt.

Stage 2: Phase 1, the 10% climb

Phase 1 asks for 10% profit, $10,000 on this size, across a minimum of 3 trading days. There is no time limit, so the 3 days are a floor, not a deadline.

The trap in Phase 1 is the ratio between target and room. The target is $10,000. The daily loss limit is $5,000. The total loss room is $10,000. A trader who pushes hard for the target can burn half of the daily allowance in one bad session. Our walkthrough on how to pass a prop firm challenge covers how traders usually size risk against those limits.

Illustrative example, not this trader's actual trades: a trader risking 0.5% per trade ($500) could take ten full losing trades in a row and still sit exactly at the $5,000 daily limit, which is why many traders stop well before that point. The same trader would need the equivalent of 20 winning trades of $500 net to cover the $10,000 target. The math explains why Phase 1 often takes longer than its 3-day minimum.

We do not know how many days Henry S. spent in Phase 1. We only know he passed it, because the funded stage and the payout come after it.

Stage 3: Phase 2, half the target, same limits

Phase 2 halves the target to 5%, $5,000, again with a 3-day minimum. The loss limits stay identical: $5,000 per day, $10,000 total from the original $100,000.

This is the stage where the rules feel easier on paper. The target is smaller, but the room to lose is the same size. That asymmetry rewards patience: a trader no longer needs big moves, just steady progress without a breach. For the decision of whether to push or slow down, see how long a prop firm challenge takes.

The earliest a 2-Step can move through both phases is 6 trading days (3 plus 3). That is a rule minimum, not a description of Henry S.'s pace.

Stage 4: the funded account

Passing Phase 2 leads to the funded account. The same 5% daily loss and 10% static max loss carry over. What changes is the purpose: profit now counts toward payouts at an 80% split.

The funded stage also starts a clock. The first payout is available 14 days after funded activation. So even a trader who moves through both phases at the minimum pace waits at least 14 more days before the first request. Our article on what happens after passing a prop firm challenge explains this handover in detail. This is also the stage where a trader can relax too early: the funded account carries the same loss limits as the challenge, and a breach during the 14-day wait ends it before any payout.

Stage 5: the payout request

To request a payout, the funded account needs profit, at least $50 to withdraw, an approved KYC check, and the 14 days since activation. Payouts are then available every 7 days.

Here is the real math on Henry S.'s certificate:

• Trader share on the certificate: $890
• Gross simulated profit implied by an 80% split: $890 / 0.8 = $1,112.50
• As a percentage of $100,000: about 1.11%
• Firm's 20% share of that profit: $222.50

To put 1.11% in perspective: it is about 11% of the Phase 1 target and about 22% of the Phase 2 target. It is a fraction of the 5% daily loss limit. A payout like this does not need a big swing. It needs a funded account that stays alive long enough to produce modest profit.

One caveat the Trading Desk wants on record: the certificate shows a single amount. It does not separate profit share from the fee refund that comes with the first payout, and it does not state whether this was Henry S.'s first payout. The 80% math above assumes the full $890 is profit share. For how requests are processed, read how prop firm payouts work and how to request a payout.

Stage 6: the certificate

The last stop is a public certificate. Henry S.'s is at app.octofunded.com/verify/4bd48468-370d-5b64-9ee8-b8f1c150da2d, and you can search any certificate on the OctoFunded verify page.

Where Henry S. sits among the 9 verified certificates

Nine certificates were issued on 4 November 2026. Henry S. is sixth by amount and second among the $100,000 accounts.

Gross profit assumes the full payout is an 80% profit share.

Two things stand out. First, the three $100,000 payouts (Lucas W., Henry S., Thomas A.) range from 0.73% to 1.56% of the account, all far below the 5% Phase 2 target. Second, Henry S. sits just below the four-figure line. If you want to see what crossing it looks like on the same account size, read Thomas A.'s $1,250 story, and for the biggest certificate in the batch, see the $200K funded account payout. Our reaching a $1,000 payout piece covers the milestone itself.

What the path teaches, without inventing the traveller

Because we refuse to make up Henry S.'s trades, the useful lessons come from the structure of the path itself:

The evaluation is the hard part, the payout is the small part. Phase 1 and Phase 2 together ask for $15,000 of profit on $100,000. The payout on this certificate implies $1,112.50. The rules ask for much more during the challenge than a typical payout requires afterwards.

The loss limits never relax. From checkout to certificate, the $5,000 daily and $10,000 static limits apply. A funded account that breaches them ends before the 14-day clock finishes. Our guide on how to keep a funded account is written for exactly that stretch.

Time is built into the rules. At least 3 plus 3 trading days to pass, plus 14 days after funded activation. There is no shortcut, which is why rushing makes little sense.

Small percentages add up on big balances. 1.11% of $10,000 would be about $89 to the trader. On $100,000 it is $890. The $100K funded account page shows the same rules across markets.

For more batch stories, compare the 10K challenge payout, the 25K funded account payout, the 50K first payout, the 2-Step challenge payout story, the 100K funded account payout and the profit split payout breakdown. The broader set lives in our prop firm payout examples.

Watch and follow

Our YouTube channel @OctoFunded has a "Payout Proof" video that shows how certificates are checked. New certificates are posted on X. The community discusses rules and payouts on Telegram. Certificate graphics also go up on Instagram. Market ideas from the desk are shared on TradingView.

FAQ

How do you go from challenge to funded account at OctoFunded?

On the 2-Step you pass Phase 1 (10% profit target, minimum 3 trading days) and Phase 2 (5% target, minimum 3 trading days) without breaching the 5% daily loss limit or the 10% static max loss. Then the funded account is activated. On $100,000 that means a $10,000 Phase 1 target and a $5,000 Phase 2 target.

How long after getting funded can you request a payout?

The first payout on the 2-Step is available 14 days after funded activation, then every 7 days. The minimum payout is $50 and KYC is required.

How much profit is behind an $890 payout on a $100,000 account?

With an 80% profit split, an $890 trader share corresponds to $1,112.50 of gross simulated profit, which is about 1.11% of $100,000. This assumes the full amount is profit share; the certificate does not break the amount down.

Does the certificate show how Henry S. traded?

No. The certificate shows the trader's name, the payout amount, the account type and size, and the issue date. It does not show trades, instruments, strategy, win rate or how long each phase took.

Is the 2-Step challenge fee refunded?

Yes. On the 2-Step the challenge fee is refunded with the first payout, provided the funded account reaches a payout under the rules.

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Risk Disclosure: Trading involves substantial risk of loss. This article describes a real verified payout, but past payouts do not guarantee future results. You may lose your entire account fee. OctoFunded provides simulated capital; you trade a demo environment, not live markets. All figures illustrate program mechanics and are not financial advice. Read the full Risk Disclosure before trading.

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