On November 5, 2026, I reached 10,000 XP at Fintokei, moved up to Rank 4 and received a reward account.
What do those points actually unlock? Here is my milestone, followed by the rules to check before trading the reward account.
Japan-specific guide. The JPY rewards and benefit figures below refer to Fintokei’s Japanese programme. They should not be assumed to apply in every region.
Toreko: An account just for reaching a rank? Does that mean you have already passed?
USK: My reward is SwiftTrader Silver, Step 1. It is an evaluation account. Receiving it, passing the evaluation and receiving a payout are separate milestones.
- Rank 4 starts at 10,000 XP.
- The current reward is a JPY 5 million SwiftTrader Silver evaluation.
- That balance is simulated capital, not cash received. Passing and payouts are not guaranteed.
1 My screen shows 10,045 XP and Rank 4
My November 6 Point Stage screen shows 10,045 XP, Rank 4 and 9,955 XP remaining until the next rank.
- Milestone
- November 5, 2026
My milestone record - Next-day screen
- 10,045 XP · Rank 4
November 6 screen - Reward listed
- SwiftTrader Silver
Step 1
2 The current reward is SwiftTrader Silver
Fintokei changed the reward accounts on October 21, 2026. Its November 2 announcement lists SwiftTrader Step 1 accounts at each reward rank.
| Rank / XP | Simulated starting capital |
|---|---|
| 2 / 2,000 | JPY 1m · Iron |
| 3 / 5,000 | JPY 2m · Bronze |
| 4 / 10,000 | JPY 5m · Silver |
| 5 / 20,000 | JPY 10m · Gold |
| 6 / 30,000 | JPY 20m · Platinum |
See the full rank-benefit screenshot (select to enlarge)
All are evaluations. The SwiftTrader name does not mean the reward is already a qualified professional account.
Source: November 2 reward-account announcement · checked November 8, 2026
Check the publication date when reading older tables. This guide follows the November 2 announcement of the October 21 change and the current official reward list. It does not assume earlier rewards will be exchanged automatically.
3 When do the Rank 4 boosts apply?
My rank screen and the Japanese official table list these benefits:
- Reward split
- +10 percentage points
- Daily loss allowance
- +1 percentage point
- Overall loss allowance
- +1 percentage point
- Simulated capital
- +15%
The timing matters. Reward-split and capital boosts apply to newly issued professional accounts after reaching the rank. Loss-limit boosts apply to newly issued evaluations and professional accounts. Existing accounts do not change midway.
Source: Point Stage versus Scaling Dojo · checked November 8, 2026
Toreko: So does the JPY 5 million evaluation start at JPY 5.75 million?
USK: No. The capital increase is for the professional-account stage. The evaluation remains JPY 5 million. If the 15% boost applies to the new professional account after passing, JPY 5 million × 1.15 is JPY 5.75 million.
Benefits do not stack by adding earlier ranks together. The reward split is capped at 100%. A displayed “+10%” is not a guarantee of profit or payment. Verify the actual conditions shown for the issued account.
Source: Boost benefits and application rules · checked November 8, 2026
4 How do you earn XP?
The Japanese FAQ lists 200 XP for initial registration, 200 XP for completing identity verification, 10 XP for daily MyFintokei login and 10 XP for an active trading day. Plan purchases and reward achievements are among the other qualifying activities.
The FAQ also describes a starter XP bonus for existing users. Check your MyFintokei history to distinguish this from first-registration and identity-verification awards.
There are also special missions. Earned XP does not expire, but a mission’s earning window may end. Check the live actions and your history in MyFintokei.
Source: XP earning methods and history · checked November 8, 2026
Source: Special and daily actions · checked November 8, 2026
The screenshots do not show how much I spent, how long it took or the breakdown of my 10,000 XP. I am not presenting a guaranteed cost or time to reach the same rank.
Toreko: Should I trade more to reach the next rank faster?
USK: I would not increase lot size or frequency just for XP. The official FAQ describes qualifying trading days; it does not say that larger lots earn more XP. Risk management comes first.
Failed plans may also generate XP, but that is not a reason to aim for failure. Participation costs and trading rules matter more than collecting points.
Source: Official XP and reward-account guidance (November 2) · checked November 8, 2026
5 Four checks after receiving the account
- Account stage
Confirm whether this is Step 1 evaluation or a professional account issued after passing.
- Account rules
Check the profit target, daily and overall loss limits, required trading days, deadline and payout conditions.
- Applied boosts
Compare the rank screen with the account conditions. Do not add the capital boost to the evaluation balance.
- Eligibility
Regional or individual restrictions mean the programme is not necessarily available to every user.
A normal free trial and a rank-reward account are different. Free trials do not receive boosts; the official announcement says rank-reward accounts do.
Source: Official reward-account and boost guidance (November 2) · checked November 8, 2026
Source: Programme availability · checked November 8, 2026
Source: Current SwiftTrader conditions · checked November 8, 2026
Fintokei accounts use simulated funds. Evaluation success, profit, payout approval and receipt of funds are not guaranteed. If the official guide and your account display differ, clarify the conditions before trading.
6 Quick questions
Does Rank 4 pay me JPY 5 million in cash?
No. The reward is a JPY 5 million SwiftTrader Silver evaluation account. It is not cash or an already-qualified account.
Does my reward start at JPY 5.75 million?
The evaluation starts at JPY 5 million. The 15% capital boost concerns the newly issued professional account after passing.
Do I spend XP to buy an account?
No. Reaching a rank unlocks the benefit; XP is not used to purchase a plan directly. XP can be reversed in some cases, such as a cancelled purchase.
Have I received a payout from this account?
This article covers my rank milestone and account receipt. It does not establish passing, requesting a payout or receiving funds from this reward account.
7 Check coupon eligibility before a new purchase
Rank rewards and discounts on a new plan are separate. If you are considering another purchase, these are the coupon conditions relevant to this Point Stage article.
Official listings checked November 8, 2026. No checkout retest was performed. The following is a dated record, not a guarantee of current eligibility.
OLRSE2525% off JPY SwiftTrader
- All JPY SwiftTrader plans, up to three uses per person.
- Purchase window: November 3–30, 2026, ending at 23:59 JST.
- Official Silver example (JPY 5 million demo capital): JPY 29,800 → JPY 22,350.
- Pass that purchased evaluation by December 15 to double its purchase XP, credited after eligibility is assessed. The pass-deadline time is not specified.
For professional accounts reached through qualifying purchases, the minimum payout-request interval changes from 14 to 3 days. That is not a three-day payment guarantee. This purchase campaign is not presented as applying to my Rank 4 reward account.
FINVUBSKFirst-purchase 30% referral code
This is USK’s referral code. An October 27, 2026 checkout record shows the JPY 1 million StartTrader plan reduced from JPY 5,500 to JPY 3,850 including tax. Current validity, all-plan eligibility including SwiftTrader, stacking and expiry remain unverified. An unknown expiry does not mean indefinite validity.
We may receive compensation for qualifying referrals. Discount eligibility is not guaranteed.BLACKFRIDAY20 (20% off) excludes JPY accounts according to the official FAQ. Check currency, plan and purchase history before comparing 30% with 25%. Official FAQ
Codes require signing in to MyFintokei. Check eligibility and the final amount before payment, and avoid increasing your spending just to gain XP. Official coupon restrictions (Japanese)
8 Start by checking your own rank
My record so far is simple: I reached 10,000 XP and received the Rank 4 reward account. If you already use Fintokei, your current XP and eligible actions in MyFintokei are a sensible place to start.
If you are choosing a new plan, consider its fee and the rules you can follow before thinking about points.
ADVERTISEMENT · Fintokei affiliate link
FintokeiPOINT STAGEUSK’S EXPERIENCE · JAPAN 10,000XP → RANK 4
What does your
next rank unlock?
Check the Japanese programme and plan terms on the official site, and your own account display if you are an existing user.
