I've personally verified that they are actually giving you capital so given you can pass the steps which i think i can given I've passed the 30k before and currently 3 days away from being able to submit for a Oneup "funded" account paying 600-700 for $3k in capital is worth an attempt . Also I know I am still subject to making revenge trades and hesitation so that also actually saves me more money. Futures is a money loser for me. Topstep is a cheaper option for now. I lost $8k last year and i think 15k the year before that. Its possible to loss that trading topstep but even if you do you will have way more trades and learning lessons behind your belt. I can make excuses as to what the reason for the loss is but it boils down to me I trade when Im bored, get cocky when on a winning streak, hesitate on entries, move stops up to limit loss at the wrong time and hold my stops at the wrong time. I think i have an edge since Im using it in my options trading successfully I need to work on my futures mindset this helps.