The PDT rule is gone. Your speed bump doesn’t have to be.
FINRA dropped the $25k floor and the day-trade count on June 4. The forced cooldown went with them. Titan puts the limits back — yours, configurable, enforced before your broker sees the order: buy cooldowns, daily trade caps, a daily-loss kill switch. Every decision gets a receipt. Works with Alpaca today.
The PDT rule was a bad rule with one accidental virtue: you could not revenge-trade through a bad morning, because you ran out of day trades before you ran out of tilt. What replaced it — intraday margin deficits and a 90-day restriction — fires after the loss, not before the order. Nobody imposes a speed bump on you anymore. Which means the only speed bump available is the one you choose.
| What the PDT rule did | Titan safety check | Yours to set |
|---|---|---|
| Forced a pause between trades | Buy Cooldown | 0–240 minutes between buys |
| Made trades scarce | Max Daily Trades | any daily cap you choose |
| Kept a capital floor under you | Daily Loss Limit + drawdown check | a dollar line where buying stops for the day |
These run on Titan’s infrastructure, between your signal source and your broker — outside your strategy’s code, and outside the heat of the moment. Your bot can’t comment them out, and at 9:47 a.m. on a red morning, neither can you.
A real decision from a sandbox account with a 30-minute buy cooldown: the second buy of the same symbol, forty-five seconds after the first — refused, and the refusal recorded.
The full story of what changed on June 4 and how to rebuild the discipline deliberately: read the note.
Titan proves what your strategy said, when it said it, and what the safety checks decided. It does not prove you made money.
Titan does not manage open-position risk after a fill, does not hold funds, does not store broker credentials, and does not submit orders — execution stays in your hands, on your machine. Works with Alpaca today.