What happens if I lose the account?

The account closes and your losses stay on the simulated account. You never owe HyroTrader money for a losing trade, and the most you can lose is what you paid for the challenge.

Your loss is what you paid to enter: the challenge deposit on One-Step and Two-Step, which comes back with your first payout if you pass, or the challenge fee on Zero-Step, which is not refundable. You can start a new challenge whenever you want.