Side by side
| Own wallet | Memecoin Funded | |
|---|---|---|
| Max loss | Everything in the wallet | The challenge fee |
| Size | What you own | 25–100 SOL |
| Keep of profit | 100% | 80–85% |
| Rules | None | Daily + max loss, position caps |
| Coins | Anything | SOL pools with $10,000+ liquidity |
| Cost | Real DEX fees | Monthly fee + simulated fees |
When your own wallet is better
If you already trade a large stack profitably, keep 100%. If you want to snipe brand-new launches on a curve, you need your own wallet.
When a funded account is better
If your stack is small, a 50 SOL account at 80% gives you far more upside per good trade than a 2 SOL wallet at 100%. And if you keep round-tripping wins, hard rules fix that. See memecoin funded accounts.
| Account | Buying power | Challenge | Activation | Profit target | Max loss | Profit split |
|---|---|---|---|---|---|---|
| Degen | 25 SOL | $50/mo | $100 (refunded) | 30% (7.5 SOL) | 20% static | 80% |
| Sniper | 50 SOL | $90/mo | $175 (refunded) | 30% (15 SOL) | 20% static | 80% |
| Whale | 100 SOL | $160/mo | $300 (refunded) | 30% (30 SOL) | 20% static | 85% |
Questions people ask
Is a funded account worth it?
If your own stack is small relative to your skill, yes — the extra size usually outweighs the 15–20% split.