Verdict. Mubite is a crypto-only prop firm in Prague selling simulated funded accounts on Bybit and CLEO, and its Instant Funding tier is genuinely cheap at $79. It suits traders wanting leverage without an evaluation who can live with a 5% cap on every withdrawal. It does not suit anyone who needs a payout they can schedule: the rules page advertises “no profit target” while the payout FAQ makes a 5% profit milestone a hard condition of the first withdrawal. The bigger caveat is off-site — Trustpilot has suspended the firm’s rating for a guidelines breach.

Key terms, as Mubite publishes them

• Entry fee: Instant Funding from $79; Two-Step $65 to $1,099 (challenge prices).
• Account sizes: USDT 5,000 to 200,000, per section 18.1 of the terms.
• Profit split: Instant Funding 70% standard, 80% via a paid add-on; One-Step and Two-Step 80% rising to 90% (challenge rules).
• Profit target: none on Instant Funding; 8–10% on One-Step; 10% then 5% on Two-Step.
• Max drawdown: Instant Funding runs a “smart” drawdown from −10%, locking at −5% below equity once 5% up; One-Step 6–8%; Two-Step 8–10%.
• Daily loss limit: 4% on One-Step, 5% on Two-Step, smart drawdown only on Instant Funding.
• Payout cadence: first Instant Funding payout 14 days after the first trade, then every 7 days or every 14, depending on the page.
• Per-request cap: 5% of account size, on every plan. Minimum trading days: none on Instant Funding, 10 on One-Step, 13 on Two-Step.

The contradiction: “no profit target” has a profit target

Instant Funding is the product Mubite leads with, and the pitch is that there is nothing to pass. The challenge rules page states the profit target as “No profit target required”, and repeats it under the payout schedule: “No profit target required — withdraw your profits on schedule.”

The payouts FAQ tells a different story. Under “How do Instant Funding payouts work?”, it states that “Two conditions must both be met before your first payout becomes available: At least 14 days have passed since your first trade” and “You have reached a 5% profit milestone on your account.”

That second condition is a profit target — the same 5% a One-Step trader clears in phase two, moved from the evaluation to the cashier’s window. A trader who buys Instant Funding on the strength of the rules page, trades a fortnight and finishes 3% up has met every published requirement and still cannot withdraw. Neither the rules page nor the pricing page says so.

The cadence disagrees too. Two pages promise a seven-day cycle, the pricing page working the example through to a 23 January second withdrawal. The FAQ says the opposite: “After your first payout, a 14-day cooldown applies between each withdrawal.” One of those halves a trader’s withdrawal frequency.

The minimum payout is inconsistent in the same way: the general payouts FAQ says “$50”, the Instant Funding entry four questions later says “$35”, and a third answer claims “No minimum payout required.”

Three numbers for one profit split

Mubite’s site-wide description, published for AI crawlers at mubite.com/llms-full.txt, offers “profit splits up to 90%”. Instant Funding cannot reach it at any price: the rules table says 70–80%, the FAQ says the standard split “is 70%”, and 80% requires the paid add-on. Another FAQ answer nonetheless tells traders they “keep up to 90% of your profits with Instant Funding and One-Step Challenges”.

The Two-Step split is documented twice, differently: the pricing page offers a performance route to 90% “after making 10% profit within 3 months” or the paid add-on; the FAQ offers only the add-on. Minimum trading days on that plan are 13 on the rules page and 10 on the pricing page. Individually these are typos. Collectively they are a rulebook never reconciled against itself, on a product where the rulebook decides who gets paid.

The rules that actually void payouts

The mechanic most likely to catch a profitable Mubite trader is the Funded Score, which applies only after funding. No single day’s profit may equal or exceed 25% of total funded profits on Instant Funding, 30% on One-Step or 40% on Two-Step. The account survives a breach, but withdrawals pause until later profits dilute the outlier day, and each payout resets the counter — so a trader who makes most of a cycle’s money in one session is locked out of their own balance until they trade more. Mubite markets “no consistency rules”: accurate for the evaluation phase, not for the funded stage where the money is.

No trading is permitted while a payout is under review. On CLEO the account is “hard-locked” automatically; on Bybit it is not, and any profits made “will be removed”. Risk per trade is capped at 3% of equity on realised losses, including partial closes. Cumulative open exposure is capped at 2x balance on Instant Funding, 3x on the step plans. Thirty days without a trade deactivates the account. Promotional accounts carry a lifetime withdrawal ceiling of 5% of account size under section 18.6 — $500 on a free $10,000 account, total, forever.

What the payout evidence actually shows

Mubite publishes no audited payout total, no ledger and no leaderboard. The only payout figures on the site are “Avg. Reward” numbers on the pricing page, from $384 on a $5,000 account to $8,553 on a $200,000 one. No methodology, sample size or date accompanies them, and the $5,000 average ($384) exceeds the $10,000 average ($371) — which no plausible sampling of a fixed 5% cap produces. Treat them as marketing, not data.

Third-party evidence is worse. Trustpilot displays no score for mubite.com at all. In its place it prints, verbatim: “This company’s rating is unavailable due to a breach of our guidelines.” A second notice reads: “We’ve removed a number of fake reviews for this company.” Seventy-two reviews remain, 18% of them one-star. Mubite’s own testimonials page carries a Trustpilot badge showing 4.8 and “126+ reviews”, linking back to Trustpilot. The badge and the destination do not agree, and the destination is the authority.

The testimonials are attributions the firm selected and which cannot be independently checked. One, from “Ali Hamid, UAE”, opens: “At first, I bought multiple Mubite accounts and ended up losing them all.” It is the closest thing on the site to a base rate.

How the terms compare with other crypto prop firms

The comparison is drawn on published terms only and ranks nothing. On price Mubite is competitive. On the terms that decide whether a trader sees money — cap, cadence, consistency gate, evidence — Breakout, Kraken-backed and publishing a named payout leaderboard, is the stricter benchmark. Crypto Fund Trader is blunter about what is sold: “It’s all demo, no real capital involved.”

Regulatory posture and who you are contracting with

Mubite is not regulated, and the site says so in its own way. Every page footer states that “Mubite does not offer any investment services as defined under the Capital Market Undertakings Act No. 256/2004 Coll.” and that all accounts “are simulated demo accounts using live market data. No client funds are traded on live markets.” There is no Czech National Bank authorisation, and none is claimed.

The operating entity is Mubite s.r.o., IČO 23221551, at Školská 660/3, Nové Město, Prague 1. The commercial register at the Municipal Court in Prague (file C 423495) shows incorporation on 29 April 2025, share capital of CZK 10,000, and directors Petr Andreas and Vojtěch Ryp, who own it alongside Valérie Kubíková. Its registered trade is the general unlicensed category plus property rental. The firm is under eighteen months old — the single most important number in any assessment of its ability to keep paying.

The terms of service name a different party. They define the provider as “Mubite ltd.” — not the Czech s.r.o. in the footer of the page that links to them. For a trader deciding whom to pursue over an unpaid withdrawal, the counterparty’s identity is not a formality. Section 21 compounds it, stating the terms are “governed and interpreted according to the Customer’s legal jurisdiction” — leaving a Prague company with no single forum named.

That disclaimer sits awkwardly against the copy above it: the testimonials page sells “prop trading in crypto with real capital and fast payouts” a few hundred pixels above a notice saying no client funds are traded on live markets. Both cannot be true, and the disclaimer is the one written by lawyers. As in our review of BluSky, the simulated structure is standard — the problem is marketing that talks past it.

FAQ

Is Mubite an instant funding prop firm in the normal sense? Partly. There is no evaluation and no profit target to pass, so funding is instant. Withdrawing is not: the payout FAQ requires 14 days of account age and a 5% profit milestone before the first request, and caps every request at 5% of account size.

Are Mubite accounts real or simulated? Simulated. Every page footer states that all accounts are demo accounts using live market data and that no client funds are traded on live markets. Payouts are real money paid against simulated performance, as in most of the sector.

Why is there no Trustpilot score? Trustpilot has suspended it, stating the rating is unavailable due to a breach of its guidelines and that it removed fake reviews for the company. The 72 surviving reviews remain readable; 18% are one-star.

Which platforms does Mubite use? Bybit and CLEO. Bybit excludes several jurisdictions including the United States, Canada, the United Kingdom and Singapore. Mubite’s FAQ suggests affected traders use CLEO — or a VPN on Bybit, a route Bybit’s own terms allow it to terminate accounts over.

For context, see our analysis of where the prop firm regulatory perimeter actually bites, our FTMO review for the one firm in the sector that owns a regulated broker, and our price survey of a $100K account across 23 firms.

This review is independent editorial analysis and is not financial, investment, or trading advice, and is not an endorsement or solicitation. The Industry Spread has no affiliate or referral relationship with the firms covered. Proprietary trading challenges carry a fee that is generally non-refundable, most participants do not reach a funded account, and funded capital is the firm’s capital, not the trader’s. Terms change frequently — always verify current rules directly with the firm before paying any fee.

Abdelaziz Fathi

Abdelaziz Fathi covers the intersection of forex/CFD brokerage, regulation, liquidity, fintech, and digital assets. With a B.A. in Finance and hands-on industry exposure, Aziz blends analytical rigor with clear storytelling to make complex market structure understandable for traders, brokers, and fintech professionals.