Audacity Capital vs Instant Funding - Prop Firm Comparison (March 2026)
Head-to-head comparison of Audacity Capital and Instant Funding. Check max funding, profit splits, daily and overall drawdown rules, leverage, tradable assets, payout frequency, payment and payout methods, trading permissions and KYC restrictions before you buy a challenge. Data refreshed March 2026.
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Audacity Capital
Audacity Capital is a proprietary trading firm founded in 2012 in London that offers multiple funding paths including the Ability Challenge evaluation and a Funded Trader Program, advertising accounts up to $2,000,000, profit share up to 90%, and trading via...
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Instant Funding
Instant Funding (operated by Acello Ltd in the UK and IF Pro Ltd in Saint Lucia) is a no-evaluation prop firm offering Instant Funding (smart drawdown), IF Micro, IF1 (24-hour account), One-Phase, One-Phase Micro, Two-Phase, and Two-Phase Max programs. The flagship Instant Funding account has...
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| Overview | ||
| Trustpilot Rating | 0 | 0 |
| Trustpilot Reviews | 0 | 0 |
| Headquarters | United Kingdom | United Kingdom |
| Age (Years) | 14 | 5 |
| Max Funding | $2,000,000 | $3,840,000 |
| Profit Split Start | 50% | 80% |
| Profit Split Max | 90% | 95% |
| Platforms | MT5 | MT4 MT5 cTrader dxTrade TradeLocker |
| Assets | Forex Commodities | Forex Commodities Metals Indices Cryptocurrencies |
| Leverage | ||
| FX Leverage | 100 | 100 |
| Metals Leverage | 100 | 20 |
| Crypto Leverage | 2 | 2 |
| Risk & Drawdown Rules | ||
| Max Daily Loss | Maximum Daily LossAbility Challenge uses a static daily drawdown that resets at rollover (00:00 GMT+2): 7.5% during the Challenge stage and 5% during the Verification stage. Audacity also states the Ability Live phase daily drawdown is 5%. The Funded Trader Program (FTP) uses a 5% trailing daily drawdown (moves up with equity highs). | 2 |
| Max Total Loss | Maximum Overall LossAbility Challenge maximum drawdown is 15% in the Challenge stage and 10% in the Verification stage (and the firm also references a 10% maximum drawdown in the Ability Live phase). FTP maximum total drawdown is 10% from the initial balance. Ability One lists a 6% absolute drawdown. | 10 |
| Drawdown Type | Drawdown ModelAudacity's Ability Challenge and Verification stages are described as using a static drawdown system with daily limits resetting at rollover (00:00 GMT+2). FTP uses a trailing drawdown model (daily DD 5% trailing). Ability One uses static drawdown (3% daily and 6% absolute). | Smart drawdown (Instant Funding) and static drawdown (evaluation accounts) |
| Payouts | ||
| Payout Frequency | Payout FrequencyAbility Challenge: first payout can be requested 30 days after the first trade on the Ability Live account, then payouts may be requested bi-weekly. FTP: payouts can be requested once a 10% profit milestone is reached (profit share varies by account size and time-to-target). | Weekly or Bi-Weekly |
| Days to First Payout | 30 | 14 |
| Payout Processing Time | 14 | 2 |
| Payout Methods | Bank Transfer PayPal Cryptocurrency | Bank Transfer Crypto (USDT TRC20/ERC20/BEP20 BTC) |
| Payments | ||
| Payment Methods | Credit/Debit Card PayPal Cryptocurrency | Credit/Debit Card Apple Pay Google Pay PayPal Crypto |
| Trading Permissions | ||
| News Trading | Ability Challenge: news trading is permitted during news events in both challenge phases and on the Ability Live account. FTP: holding open positions is prohibited during significant news events; traders must wait 30 minutes after the release once notified by the risk team. | Allowed during evaluation; funded accounts require add-on to trade major news events. |
| Weekend Trades | Allowed: Ability Challenge (including Ability Live) allows weekend holding; Ability One also allows weekend holding, subject to drawdown limits. | Overnight trades allowed; weekend holding requires add-on on funded accounts. |
| Copy Trading | Audacity Capital allows copy trading, subject to specific restrictions designed to ensure that all trades originate from the trader’s own strategy and accounts. Permitted Copy Trading Own Accounts: Copying trades between your own Audacity Capital accounts is permitted. External Personal Accounts: Copying trades from your personal trading accounts with other brokers or prop firms into your Audacity Capital account is allowed. Verification of the source account may be required. EAs / Automated Systems: Expert Advisors and other automated trading tools... | Allowed only between accounts owned by the same trader. |
| EA Allowed | EA Guidelines and Restrictions Permitted Use: Expert Advisors (EAs) are generally allowed on MetaTrader 5 (MT5) for both the Ability Challenge and the Funded Trader Program. Prohibited EA Strategies: The following automated trading styles are strictly forbidden and may result in account termination: High-Frequency Trading (HFT) and Tick Scalping: Not permitted. Martingale or Averaging Down Strategies: Not permitted. Latency Arbitrage: Any form of latency arbitrage or exploitation of system vulnerabilities is strictly prohibited. Grid Trading: Not permitted. Third-Party EAs: While... | EAs allowed if non-abusive and non-latency based. |
| KYC & Restrictions | ||
| KYC Required | No | No |
| KYC Stage | KYC is required before account activation and again before processing payouts. Audacity states KYC includes proof of identity (government-issued photo ID) and a selfie, and may need to be resubmitted for compliance. | KYC required before first payout. |
| Restricted Countries | Bangladesh Belarus Burma (Myanmar) Central African Republic Crimea Donetsk and Luhansk regions of Ukraine Cuba Democratic Republic of the Congo Iran Iraq Lebanon Libya North Korea Pakistan Russia Somalia Sudan Syria United States and its territories (including American Samoa Guam Northern Mariana Islands Puerto Rico and the U.S. Virgin Islands) Venezuela Yemen | Afghanistan Belarus Central African Republic Cuba Democratic Republic of the Congo Eritrea Guinea-Bissau Iran Iraq Lebanon Libya Mali Myanmar North Korea Russia Somalia South Sudan Sudan Syria Yemen Zimbabwe |