upme,
from its own terms

The rules

Phase 1

Phase 2

Profit split, fee, trading permissions

Payout rules

Denial clauses

The published grounds on which this firm can refuse or void a payout, quoted verbatim from its own terms. Where the firm advertises “no denials” and publishes refusal grounds elsewhere, both are noted.

Copying another funded account

Established on execution timestamps across accounts linked to one identity, not on a view about strategy. The evaluation fee is returned.

Source: firm’s terms

Account holder is not the payout beneficiary

The name on the account and the name on the destination must match. Refused pending correction rather than permanently, and payable once they do.

Source: firm’s terms

Identity verification not completed

Refused pending completion, not forfeited. The amount stays payable indefinitely and is paid the day verification clears.

Source: firm’s terms

The request exceeds the accrued balance

An arithmetic refusal. The payable part is paid; the remainder is not created by asking.

Source: firm’s terms

Account multiplication under rule 10

Opposite positions netting to roughly zero across linked accounts, an account transferred or traded by a third party, or the same trades duplicated across a cluster to multiply payouts. Established on the trade-correlation review that runs through the whole evaluation, not invented at the payout gate; the refusal row cites rule 10. A request under review is marked so in the ledger, with the review’s start time, and the review is capped at 72 hours — at the cap it either settles with the +2% penalty or is refused under this clause.

Source: firm’s terms

upme vs itself

This is upme's own profile. The delta section compares competitors to upme's published v1.2 rules; it is not drawn here. upme's rules in full are on the rulebook page. v1.1 added the feed/fill/execution and conduct rules (12–18) — feed integrity, execution realism, trade-duration and activity caps, an event-straddling ban, single-position exposure, reset-window conduct, and a probability-pass ban that extends rule 10 — closing the feed/fill and gaming vectors. They are published now and enforce once the platform is wired, not on the day they are posted.

Sources

Every number on this page is drawn from one of the documents below; a figure that cannot be traced to one does not belong here. Corrections: hello@upme.com.

1. upme Challenge rulebook (v1.1) — accessed 2026-08-03
2. upme tier table — fees, split and shared terms — accessed 2026-08-03
3. upme payout policy and refusal grounds — accessed 2026-08-03