Three rules quietly changed across the futures prop firm industry this year. Most funded traders haven't noticed. Then their first decent payout request gets flagged, the account gets paused, and they're stuck reading fine print that didn't exist 12 months ago.
We've been fielding the same questions from students all spring: Is my firm still safe? Why did my eval get reviewed? What's a B-Book? So we're putting the answers in one place — minus the affiliate hype most prop firm content runs on.
If you trade NQ or MNQ for a funded account in 2026, three things matter. Here they are.
The three shifts are connected, even though firms rolled them out separately:
A new trend is sweeping through retail trading in 2026. Traders with zero coding experience are asking ChatGPT to write them a trading bot. They describe a strategy in plain English, the AI generates the code, and within hours they're running live capital through untested automation.
They call it "vibe coding." The results call it something else.
UC Berkeley research found that retail bot users lose 77 times more per user than human traders on the same platforms. Not 77% more. 77 times.
Vibe coding is exactly what it sounds like: you describe what you want a program to do, and AI writes the code. No programming knowledge required. Business Insider profiled retail traders this month who built entire trading systems using nothing but natural language prompts.
The appeal is obvious. What used to take weeks of development now takes hours. You can go from idea to live bot in an afternoon. The algorithmic trading market hit $18.8 billion in ...