Bi-weekly payouts: USDT or cash at any ATM
A walk-through of the payout process — your choice between USDT direct to your wallet or physical cash at select cash-enabled Coinhub ATMs. The only prop firm offering both.
Most prop firms talk about payouts in marketing copy and then make them frustrating in practice. We built ours to be boring — and uniquely flexible. We're the only prop firm in the world where you can collect your payout in physical cash. Here's what that means for you.
USDT or cash — the choice no other prop firm offers
Before we get into the cadence and mechanics, the most important thing to know about Coinhub Funded payouts is the dual-redemption option. When you request a payout, you choose between two paths:
- USDT to your wallet — direct to any ERC-20, TRC-20, or BEP-20 wallet address you specify. Settles in minutes. No bank intermediary. Standard for crypto-comfortable traders worldwide.
- Cash at select Coinhub ATM locations — get a QR code in your dashboard, walk into a cash-enabled Coinhub ATM (select locations across our 25+ state network), scan, and walk out with physical US dollars in hand.
The cash option exists because Coinhub Funded is built on top of the Coinhub network — the largest physical cryptocurrency ATM network in the United States, with 2,000+ locations operating since 2019. Those ATMs were originally built to let people buy crypto with cash. We extended the rails in reverse: traders who've earned funded payouts can redeem at the same locations.
This isn't a marketing gimmick. It's a structural advantage no other prop firm can replicate without building 2,000+ retail locations from scratch. If you live in or near any major US metro, you almost certainly have a Coinhub ATM within driving distance.
The bi-weekly cadence
Every 14 calendar days, your funded account is eligible for a payout. You request the payout through your dashboard, we review it for rule compliance, and the funds — in USDT — arrive in your wallet typically within a few hours of approval.
The first payout has additional eligibility requirements:
- Account must be active for at least 14 calendar days
- You must have at least 5 profitable trading days (each at 0.5%+ of balance)
- You must have completed identity verification
Subsequent payouts only require the 14-day cadence to have elapsed since the prior payout. Compliance review takes typically 24-48 hours.
The 80/20 math
On every payout, you keep 80% of the profit generated since the last payout. We retain 20%. This split is fixed and applies whether you're on a $5K account or a $200K account, whether it's payout #1 or payout #50.
Example: you started a $50K funded account, traded for 14 days, and generated $4,000 in profit.
| Item | Amount |
|---|---|
| Total profit during cycle | $4,000.00 |
| Your share (80%) | $3,200.00 |
| Coinhub Funded share (20%) | $800.00 |
| Minimum withdrawal (1% of $50K) | $500.00 |
| Sent to your USDT wallet | $3,200.00 |
Note the minimum withdrawal threshold. If your 80% share is below $500 on a $50K account, the balance rolls forward to the next cycle. This prevents nuisance payouts on small profits.
USDT mechanics
We pay in USDT, not USD. We support three networks: ERC-20 (Ethereum), TRC-20 (Tron), and BEP-20 (BNB Smart Chain). You choose your preferred network during account setup and can change it at any time.
Practical notes on each:
- TRC-20 — cheapest network fees (often $1-2), fastest settlement (~3 minutes). Recommended for most users.
- ERC-20 — highest network fees ($5-20+ depending on gas), most widely supported by exchanges. Use if you're sending directly to a CEX that doesn't support TRC-20.
- BEP-20 — cheap and fast, well-supported by Binance ecosystem. Less common for off-ramping to USD.
Network fees are your responsibility. Get the network choice wrong and the funds may be unrecoverable. Always do a small test transaction first when adding a new wallet address.
The fee refund
On your third successful payout, we refund your original challenge fee in full, on top of the standard 80% profit split.
This is meaningful. On a $50K 2-Step Professional account, you paid $465 to start. By payout #3, you've earned (assuming a reasonable trading pace) somewhere in the range of $7,000-$15,000 in cumulative payouts — and on top of that, your original $465 is returned. Effectively the challenge becomes free if you make it through the first three cycles.
Cash payout mechanics
Cash payouts work through a QR-code redemption flow tied to your Coinhub Funded account. Here's the practical sequence:
- Request the payout in your dashboard, selecting "Cash at Coinhub ATM" as your redemption option.
- Choose your nearest cash-enabled location from our network. Not all Coinhub ATMs support cash-out — the dashboard shows real-time cash availability at each eligible location.
- Receive your QR code typically within 24 hours of approval. Cash is reserved at your chosen ATM during this window.
- Visit the ATM and scan your QR code at the kiosk. The machine dispenses your payout in physical US dollars. You can verify the amount on-screen before confirming.
Practical notes:
- Single-transaction limits. Most Coinhub ATMs have a $9,000 single-transaction limit per applicable regulations. Larger payouts can be split across multiple withdrawals or routed to higher-capacity locations.
- Identity verification. You'll be asked to verify identity at the ATM the first time you redeem — the same KYC flow used to verify your Coinhub Funded account in the first place.
- Network fee. A small fee applies (typically $5-15 depending on size) to cover ATM operating costs. The fee schedule is shown before you confirm the redemption.
- Time window. Cash is reserved for 7 days after your QR is issued. If you can't make it in time, you can re-issue the QR for another 7 days at no charge.
A note on taxes
Payouts may constitute taxable income in your jurisdiction. We don't withhold taxes — that's your responsibility to handle.
Keep records of every payout (date, amount, network, transaction hash) so you have clean accounting at tax time. Most jurisdictions treat performance-based commissions as ordinary income. The fact that the payout is denominated in USDT doesn't change the underlying tax treatment, though the crypto-to-fiat conversion may itself be a taxable event in some jurisdictions.
If this is your first year earning meaningfully from prop firm trading, talk to a tax professional. The amounts get serious quickly and crypto-denominated income has unique reporting requirements in many jurisdictions.
