Vest Capital Rules: Daily Loss, the Fixed Drawdown Floor and Payouts, With the Math

The Vest Capital rules are short. Two risk limits apply on both the evaluation and the funded account: a daily loss limit of 4% of balance plus half of any open profit, and a maximum drawdown that is a fixed dollar floor. Break either and the account closes on the spot, permanently. Everything else, from the 90% split to on-demand USDC withdrawals, hangs off those two lines.

I read Vest's risk rules page and withdrawals page on September 30, 2026. The numbers here are theirs. The worked examples are mine.

The Vest Capital rules in one table

The evaluation account is simulated and its profits cannot be withdrawn. The funded account has no profit goal. The two risk rules are identical on both.

How does the Vest Capital daily loss limit work?

The formula from the docs:

Daily Loss Limit = (Account Balance × 4%) + (Unrealized Profit × 50%)

Balance is collateral plus realized profit and loss. It is snapshotted every day at 8:00 PM ET, which is 00:00 UTC while the US is on daylight time. The limit resets at that moment.

Vest's own Platinum example:

• No open positions: $25,000 × 4% = $1,000.
• Open profit of $5,000: $1,000 + $2,500 = $3,500.
• Open loss of $500: still $1,000. Open losses are ignored in the formula.

The second line is the unusual part. Half of any open profit is added to the allowance, so the limit widens while a trade is working. The page does not spell out the reference point the loss is measured from. Until support confirms it, I would plan around the plain 4% and treat the extra as a margin of safety.

Three things to take from it.

1. The limit is tested all day, not at the close. Touching it at any point closes the account.
2. It is tied to the snapshot balance, so it grows a little as you bank profit. A Silver account with $5,400 of balance has a $216 limit.
3. The reset is at 8:00 PM ET, not midnight. A loss at 7:50 PM and another at 8:10 PM fall on different days.

For how this compares with other firms, see our explainer on the daily loss limit.

The maximum drawdown is a fixed floor

This is the rule that sets Vest apart. The floor is set when the account is created and never changes. Not with profit, not with time.

On Silver the floor is $4,700. Start at $5,000 and you have $300 of room. Bank $400 and you have $700. At a firm with a trailing drawdown, that same $400 would have pulled the floor up behind you.

The catch is the starting size. $300 on $5,000 is 6%, and the floor is tested against equity, which includes open trades. The docs say the account closes if equity "touches or falls below" the floor. A position that dips to $4,700 for one second and recovers has already ended the account.

Note the order of the two limits on day one. The daily loss is $200 and the drawdown is $300. A full daily loss on the first day leaves $100 for the rest of the account's life until you earn it back.

What closes a Vest Capital account?

• Equity touching the fixed floor.
• Losses reaching the daily loss limit at any point in the trading day.

The docs describe closure as immediate and permanent, with no grace period and no recovery. There is no reset to buy. A new attempt means a new evaluation at the full fee: $60, $110 or $275.

Refunds are available within 3 days of purchase, but only if no trade has been placed. One trade ends that right.

How do payouts and the 90% split work?

Withdrawals are on demand, around the clock, with no minimum period between them and no limit on how often.

1. Request a withdrawal from the funded account.
2. Your 90% share arrives in your primary Vest account within 24 hours.
3. Send USDC from the primary account to an external wallet. The docs call this step "usually instant" and show the supported chains at that point.

No withdrawal fee is listed. The math on the split:

Two open questions. The funded account page says "up to 90%", where every other page says 90%. And no page explains what a withdrawal does to the balance that sits above the fixed floor. I would assume withdrawn profit stops being cushion, and take out half at a time until support confirms otherwise. If a payout is ever refused, the steps in prop firm payout denied apply here too.

Fees, funding and trading hours

Costs count against the floor like any other loss. From Vest's fee page:

• ES and NQ: no fee, all sessions.
• Crypto: 0.01% to open or close.
• Equities: no fee Monday to Friday, 4:00 AM to 8:00 PM ET. 0.05% from 8:00 PM to 4:00 AM. 0.10% on weekends.
• FX: no fee on weekdays. 0.25% on weekends.

Funding settles continuously and the docs show an example of 0.01% an hour. On a $10,000 position that is $1 an hour. Funding premiums are not charged during weekend hours.

A $10,000 equity position opened and closed on a Saturday costs $20 in fees. On Silver that is a tenth of the daily limit, spent before the trade has moved.

Rules the docs do not mention

As of September 30, 2026 I found nothing in the documentation on:

• a consistency rule
• minimum trading days
• news trading
• bots or copy trading
• inactivity limits
• scaling

Most firms have a prop firm consistency rule, so its absence here is worth confirming, not assuming. A third-party directory reports that the terms limit each user to one account and ban exploiting price feeds and oracles. Read the terms at checkout and ask support about anything your strategy depends on.

Once the rules are clear, the sizing plan is in how to pass Vest Capital, and the company background is in our Vest Capital review.

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Related reading

• How to pass Vest Capital
• Vest Capital review
• Daily loss limit

Nothing here is financial advice. Vest's live documentation and terms win if they disagree with this page.