Short Answer
The Payout Lock applies to Simulated Funded Accounts where it is enabled. Once you submit your first Reward Request, your Maximum Loss locks permanently to your account’s original starting balance. Always leave a sufficient buffer after a Reward is paid to avoid breaching your account.
How It Works
On accounts with a Trailing Maximum Loss, the Maximum Loss floor follows your highest balance upward and locks once it reaches your initial account balance.
With the Payout Lock, submitting your first Reward Request also locks the Maximum Loss permanently to your original starting balance.
From that point on, your Equity must always remain above your starting balance. If a Reward brings your Equity back to — or below — your starting balance, your account breaches the Maximum Loss Limit.
Example
A trader has a $10,000 Simulated Funded Account that has grown to $11,500.
Requesting the full $1,500 would bring Equity back to $10,000 — the locked floor — causing an immediate breach.
Instead, the trader requests $1,000 and leaves $500 as a buffer. Equity stays at $10,500, safely above the floor.
Always request less than your total profit and leave a meaningful buffer.
Does It Apply to My Account?
The Payout Lock is enabled on selected Evaluation Programs. It is most common on accounts that use a Trailing Maximum Loss, but whether it applies to your account is confirmed in your program guide and your FundingRock Dashboard — always check there before requesting a Reward.
Important
The Payout Lock activates when you submit your first Reward Request.
Once locked, your Maximum Loss no longer trails and remains at your starting balance permanently.
Always leave a buffer above your starting balance when requesting Rewards.
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