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Prop firm
ThinkCapital Program Rules: Fees, Drawdown and Payout
ThinkCapital’s Terms name TFG (PAYMENTS) LIMITED as the contracting party and state that the provider is not regulated as a financial services firm and that its challenges use demo/simulated accounts.
- Eligibility check: Needs check
- Confidence: medium
- Research date: 2026-10-15
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Conditions from official sources
| Item | Details | Source |
|---|---|---|
| Contracting party | TFG (PAYMENTS) LIMITED (85 Great Portland Street, London). The Terms say it is not regulated as a financial services firm and that ThinkMarkets protections do not apply. Challenge and funded accounts are demo/simulated. | [26] |
| Lightning 1-step (USD 5K) | Fee USD 59; target 10%; daily loss 3%; maximum loss 6% | [27] |
| Dual Step (USD 5K) | Fee USD 59; targets 9% / 5%; daily loss 4%; maximum loss 7% in the challenge, 8% when funded | [27] |
| Nexus 3-step (USD 5K) | Fee USD 39; targets 7% / 6% / 5%; daily loss 4%; maximum loss 8% | [27] |
| Payout | Profit share up to 90%. Methods include crypto (USDT TRC20/ERC20), Rise (USD 50 monthly fee) and a transfer to a ThinkMarkets live account, which the site says is not available to residents of Japan. Timing differs by product and add-on. | [26] [27] [28] |
ThinkCapital’s Terms name TFG (PAYMENTS) LIMITED, registered at 85 Great Portland Street, London, as the contracting party. They state that this company is not regulated as a financial services firm and that the authorisation and client-fund protection of the ThinkMarkets group do not extend to the customer contract. Challenge and funded accounts are demo/simulated. [26]
Program examples for a USD 5K account: Lightning at USD 59 has a 10% target, 3% daily loss and 6% maximum loss. Dual Step at USD 59 has 9% / 5% targets, a 4% daily loss, and a maximum loss of 7% in the challenge and 8% when funded. Nexus at USD 39 has 7% / 6% / 5% targets, a 4% daily loss and an 8% maximum loss. The official homepage also lists BOLT instant funding, which is treated as a separate product. [27]
Profit share is up to 90%. Payout timing, the 7-day add-on and the methods differ by program. The official FAQ lists crypto (USDT TRC20/ERC20), Rise (USD 50 monthly fee) and a transfer to a ThinkMarkets live account, and processing time and eligible countries differ by method. The Terms’ restricted-jurisdiction list and the payout-restriction list for ThinkMarkets live accounts are separate. A statement that Japanese residents cannot transfer to a ThinkMarkets account does not mean every ThinkCapital payout method is unavailable; alternative methods must also be checked. [26] [28]
What to compare before applying
- Which legal entity and regulator apply to your residence
- How costs are measured: spread, commission (per side or round turn), swaps and funding
- Which account, platform and symbol the quoted terms apply to
- Whether your country is eligible, and which restrictions apply
- Whether the page’s figures still match the current official source
FAQ
Does ThinkMarkets regulation protect a ThinkCapital customer?
The Terms say that the ThinkMarkets group’s authorisation and client-fund protection do not extend to the ThinkCapital customer contract. [26]
Are ThinkCapital accounts live brokerage accounts?
No. The Terms describe the challenge and funded accounts as demo/simulated. [26]
Which payout methods are listed?
Crypto (USDT TRC20/ERC20), Rise (USD 50 monthly fee) and a transfer to a ThinkMarkets live account. Processing time and eligible countries differ by method. [28]
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Seven-axis information-transparency score
Editorial score for how clear and comparable the provider’s published information is. It is not a rating of safety, regulation, profitability, legal approval or suitability for you, and it is not a recommendation or ranking.
Focus or hover a point to read the basis for the score.
| Axis | Score (0–10) |
|---|---|
| Clarity of rules | 8 |
| Loss-limit calculation method and flexibility | 8 |
| Clarity of fees and extra costs | 8 |
| Clarity of reward/payout terms | 7 |
| Choice of programs, markets and platforms | 9 |
| Operator and contract-term transparency | 9 |
| Regional eligibility and user-facing risk information | 8 |
How the score works
- Each axis is an integer from 0 to 10; an axis with no basis is null and shown as N/A, never 0.
- All seven axes carry equal weight; the overall value is shown only when at least 80% of axes are valid.
- Brokers and prop firms are never ranked together; the score is not an ordering of recommendations.
- Scorecard version 1.0, as of 2026-10-15. Changes are logged with version, date and reason.
Sources
- [26] ThinkCapital Terms of Service and Provider Status
- [27] ThinkCapital Programs and Example Pricing
- [28] ThinkCapital Payout Methods and Processing
Numbers in [brackets] point to the numbered sources below. Official sources are linked as text; the affiliate button is a separate advertisement.