Vest Capital rules for multi-account traders

Rules last checked: 2026-10-17 against Vest's docs and Prop Terms (last updated October 6, 2026).

Vest Capital (Vest Markets) rules come down to two loss floors and an account cap. Every funded account has a fixed max-drawdown floor that never moves. Evaluation accounts that chose a 3% or 4% daily loss limit also have a daily floor, which resets at 20:00 ET. Your equity, including unrealized PnL, is checked against both floors. A breach closes the account immediately and permanently. One user can hold up to 10 funded and 100 evaluation accounts. Every rule below is quoted from Vest's own docs, with links.

Which rules apply to your account

Vest's Loss Limits page puts it simply: "Vest Capital's loss limits follow your account type, not its phase." Whatever applies in the Evaluation Phase carries on unchanged once you're Live.

Source: Vest Loss Limits.

If you run a mix of evaluation and Instant accounts, that means some of your accounts have two floors and some have one. The daily floor is usually the one that ends a day early.

How many Vest accounts can you have?

The Prop Terms of Service (§2) say:

"You may maintain only one user registration profile, but may open, access, maintain, or operate up to ten (10) Instant Funded Accounts and up to one hundred (100) Evaluation Accounts at any one time under that profile."

The Vest Capital Overview puts the limits this way:

"Maximum 10 Live Funded Accounts per user, across both paths combined." / "Maximum 100 Evaluation Phase accounts per user."

The two pages word the funded limit differently. The Terms say "Instant Funded Accounts", and the Overview says "Live Funded Accounts per user, across both paths combined". If you're close to 10 funded accounts, confirm with Vest which reading applies to you.

What counts toward the limit

From §2 of the Prop Terms:

"An Evaluation Account ceases to count toward its limit when it has passed, failed, or closed and is no longer available for evaluation trading. A suspended Account continues to count unless we close it or confirm otherwise."

So a failed eval frees up its slot, but a suspended account keeps using one until Vest closes it or tells you otherwise.

The limit is per person, not per device or email

Also from §2:

"These limits apply per user, not per email address, device, wallet, payment method, or set of credentials."

"Permission to hold multiple Accounts does not permit unauthorized account sharing or any Prohibited Use."

A second email or a second laptop doesn't give you a second set of limits, and holding many accounts doesn't change the prohibited-use rules covered below.

Max drawdown: a fixed floor that never trails

Vest describes max drawdown as:

"A fixed floor, set once when your account is created. It never moves."

Profits don't raise it and losses don't lower it further. It's calculated from your starting capital, not your current balance, which makes it a static floor rather than a trailing one.

With evaluation, max drawdown is fixed at 6% of capital:

Instant Accounts have a drawdown equal to the one-time payment, and the rate isn't uniform:

Source: Vest Loss Limits.

Touching the floor isn't a breach. Vest says: "Equity falling below either applicable floor closes the account; equality alone does not breach a limit."

Daily loss limit: who has it and how the floor is set

Only evaluation-path accounts that chose a 3% or 4% daily loss limit have one. Instant Accounts never do. Vest's formula is:

"Daily floor = reset balance × (1 − rate) + net non-trading transfers since reset."

"The daily reset boundary is 20:00 ET (America/New_York)."

The reset balance includes reserved collateral and excludes unrealized PnL. Before any transfers, that puts the daily floor at 97% of the reset balance at 3%, or 96% at 4%. Vest's own example is a $25,000 reset balance at 4%, which gives a $24,000 daily floor.

Note the reset time. 20:00 ET is 8 PM New York time, not midnight, so a trade you open in the evening can land in the next trading day. Vest also says the reset balance "is captured on the first account update after that boundary, before that update is applied." If you trade from another time zone, work out what 20:00 ET is locally, and remember that New York observes daylight saving time.

Withdrawals and credits move the daily floor

Between resets, trading PnL doesn't move the daily floor. Transfers do:

"Non-trading transfers adjust it dollar-for-dollar: withdrawals lower it by the full amount, while credits raise it by the full amount."

Vest's example: a $500 withdrawal after a $25,000 reset lowers the daily floor from $24,000 to $23,500. A $500 credit raises it to $24,500 instead. The max-drawdown floor stays fixed either way.

Unrealized PnL counts against both floors

"Current equity includes unrealized PnL and is checked against the adjusted floor."

An open loss counts as soon as it's on the screen. You don't have to close the trade for it to breach. Vest's order form shows an estimated Fail Price, and Vest's advice is to "Use estimated Fail Price to check your downside before submitting a trade."

What happens if you breach

"Breaching either rule results in immediate, permanent account closure. There is no warning and no grace period."

There's no recovery path. Vest says you "would need to purchase a new Funded Account to trade again." With several accounts open, each one has its own floors, so the account with the least room is the one most likely to close first.

Worked example: the same trade on three Vest accounts

Floors that are fine on one account can end another. Here is the same open loss of $200 on three different Vest accounts.

Assumptions: reset balance equals starting capital, no transfers since the reset, fees ignored. Illustrative only, not advice.

The Silver account's daily floor is $5,000 × 0.97 = $4,850, so only $150 of room separates it from closure. The same $200 loss that barely registers on the Platinum account closes the Silver one. If the same size goes on every account, the smallest room decides the outcome. Sizing each account to its own room is how traders avoid that, and you can watch each account's room in one place.

Prohibited practices that matter when you run many accounts

§5 of the Prop Terms lists prohibited uses. Three matter most when you hold several accounts.

§5(l): you may not

"engage in wash trading, self-trading, spoofing, layering, matched or prearranged trading, marking the close, pump-and-dump schemes, or manipulation of price feeds, oracles, funding rates, or liquidation triggers in connection with the Program, whether directly or indirectly through other accounts, bots, entities under your control, or coordinated Persons;"

§5(m): you may not

"collude with another Person, use multiple identities or misuse multiple Accounts, or exploit technical errors, latency, risk limits, payout calculations, or differences among trading venues to circumvent Program Rules or obtain compensation based on artificial or distorted virtual results;"

§6(s):

"You may not sell participation in your Accounts or operate them for undisclosed third parties."

In plain terms, two points stand out for multi-account traders. Opposite-side positions across your own accounts can look like matched or prearranged trading, which §5(l) names. And the accounts must be yours: trading accounts for anyone else falls under §6(s).

What Vest's terms say about copy trading

The Prop Terms (October 6, 2026 version) don't mention copy trading. A search of the full text for "copy trad" returns nothing.

That silence isn't a yes or a no. Vest's terms also say: "This Agreement may be amended, changed, or updated by us at any time and without prior notice to you."

You carry the risk of how you trade your accounts. Read the Prop Terms yourself and confirm with Vest support (support@vestmarkets.com) before using any third-party tool.

A fuller guide to Vest's terms and copy trading is coming.

Watching room across every account

Doing the floor math above for every account, before every trade, is where multi-account trading gets hard. Fanout shows every Vest account on one screen, evals and funded, with rule cards and room meters for drawdown and daily loss. It warns you when the loss at your stop would run past an account's daily or drawdown room, and when an account already holds the opposite side. You can set a different size for each account. These are warnings only. Fanout never blocks a trade or skips an account, and it's for your own accounts only.

See how Fanout shows each account's room

Trading leveraged products involves substantial risk. Read our risk disclosure.

Sources and date checked

All checked 2026-10-17. Vest may change these pages at any time.

• Vest Prop Terms of Service (last updated October 6, 2026): https://docs.vestmarkets.com/resources/terms-and-privacy-policies/prop-terms-of-service
• Vest Capital Overview: https://docs.vestmarkets.com/vest-capital/overview
• Vest Loss Limits: https://docs.vestmarkets.com/vest-capital/loss-limits
• Vest Account Tiers (current prices): https://docs.vestmarkets.com/vest-capital/account-tiers

Related: Fanout · managing multiple Vest accounts