Funded Prime vs Instant Funding - Prop Firm Comparison (March 2026)
Head-to-head comparison of Funded Prime 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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Funded Prime
Funded Prime is a simulated trading evaluation program administered by Radias PTT FZ-LLC. It offers One Phase, Two Phase, Stock Traders, Meme Coin and Bitcoin Maxi challenges, primarily on TradeLocker (with DXtrade also linked as a supported platform resource). Funded-stage...
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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 | 4.1 | 0 |
| Trustpilot Reviews | 20 | 0 |
| Headquarters | United Arab Emirates | United Kingdom |
| Age (Years) | 3 | 5 |
| Max Funding | $800,000 | $3,840,000 |
| Profit Split Start | 80% | 80% |
| Profit Split Max | 90% | 95% |
| Platforms | TradeLocker DXtrade | MT4 MT5 cTrader dxTrade TradeLocker |
| Assets | Forex Commodities Indices Crypto Stocks | Forex Commodities Metals Indices Cryptocurrencies |
| Leverage | ||
| FX Leverage | 50 | 100 |
| Metals Leverage | 10 | 20 |
| Crypto Leverage | 1 | 2 |
| Risk & Drawdown Rules | ||
| Max Daily Loss | 5 | 2 |
| Max Total Loss | 10 | 10 |
| Drawdown Type | Drawdown ModelEquity-based drawdown. For One Phase / Two Phase / Stock Traders / Bitcoin Maxi: Max Daily Drawdown is a % of the previous day’s equity snapshot (5% for One/Two/Stock; 3% for Bitcoin Maxi). Max Drawdown is a fixed % of the initial balance (10% for One/Two/Stock; 5% for Bitcoin Maxi). Meme Coin uses a 6.5% trailing drawdown. | Smart drawdown (Instant Funding) and static drawdown (evaluation accounts) |
| Payouts | ||
| Payout Frequency | Payout FrequencyPayout waiting periods (from account opening / prior payout request) depend on the challenge type:One Phase: 14 daysTwo Phase: 7 daysStock Traders: 14 daysMeme Coin: 14 daysBitcoin Maxi: 14 daysAn add-on (“Prime Payout”) can reduce the payout time to 7 days for eligible plans. | Weekly or Bi-Weekly |
| Days to First Payout | 14 | 14 |
| Payout Processing Time | 2 | 2 |
| Payout Methods | USDT TRC20 USDT ERC20 BTC International Bank Transfer | Bank Transfer Crypto (USDT TRC20/ERC20/BEP20 BTC) |
| Payments | ||
| Payment Methods | Credit/Debit Cards Cryptocurrencies | Credit/Debit Card Apple Pay Google Pay PayPal Crypto |
| Trading Permissions | ||
| News Trading | News trading depends on the challenge: Two Phases allowed; One Phase, Stock Traders and Meme Coin not allowed within 10 minutes before/after high-impact releases. | Allowed during evaluation; funded accounts require add-on to trade major news events. |
| Weekend Trades | Weekend trading: One Phase, Two Phase and Stock Traders not allowed; Meme Coin allowed. | Overnight trades allowed; weekend holding requires add-on on funded accounts. |
| Copy Trading | Copy trading from other traders is prohibited; copying from your own personal accounts into your Funded Prime account is permitted if registered under the same email address. (Copy trading is permitted in evaluation stage.) | Allowed only between accounts owned by the same trader. |
| EA Allowed | EAs are allowed for Prime Traders and strictly prohibited for Stock Traders. | EAs allowed if non-abusive and non-latency based. |
| KYC & Restrictions | ||
| KYC Required | No | No |
| KYC Stage | KYC must be completed to be eligible for payouts (Rules and Conditions/FAQs). FAQs note that if a payout exceeds $1,000, required KYC documents must be submitted and approved before requesting a withdrawal. | KYC required before first payout. |
| Restricted Countries | Australia Cuba Iran North Korea Myanmar Russia (including Crimea Donetsk Luhansk regions of Ukraine) Somalia Syria | 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 |