FXIFY vs Instant Funding - Prop Firm Comparison (March 2026)
Head-to-head comparison of FXIFY 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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FXIFY
FXIFY is a broker-backed prop firm (FXIFY Markets Ltd, licensed in Labuan, Malaysia) offering One Phase, Two Phase and Three Phase evaluations, an Instant Funding path, and a 7-day Lightning Challenge, with up to 90% performance splits, on-demand payouts on...
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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 | 4.4 | 0 |
| Trustpilot Reviews | 5,320 | 0 |
| Headquarters | Malaysia | United Kingdom |
| Age (Years) | N/A | 5 |
| Max Funding | $4,000,000 | $3,840,000 |
| Profit Split Start | 80% | 80% |
| Profit Split Max | 90% | 95% |
| Platforms | MT4 MT5 DXtrade | MT4 MT5 cTrader dxTrade TradeLocker |
| Assets | FX Metals Indices Commodities Stocks Crypto | Forex Commodities Metals Indices Cryptocurrencies |
| Leverage | ||
| FX Leverage | 50 | 100 |
| Metals Leverage | 50 | 20 |
| Crypto Leverage | 1 | 2 |
| Risk & Drawdown Rules | ||
| Max Daily Loss | Maximum Daily LossFXIFY's daily drawdown limits are program-specific. FXIFY provides examples showing One Phase uses a 3% daily drawdown, while Two Phase uses a 4% daily drawdown. Daily drawdown is monitored alongside max drawdown thresholds, and traders should plan withdrawals and risk so that intraday equity does not breach the daily limit. | 2 |
| Max Total Loss | Maximum Overall LossFXIFY provides examples showing One Phase accounts use a 6% max drawdown and Two Phase accounts use a 10% max drawdown. For Three Phase, FXIFY describes a static drawdown option where max drawdown is set at 5% and remains static for the life of the account. | 10 |
| Drawdown Type | Drawdown ModelFXIFY supports both trailing-style drawdown mechanics and an optional static drawdown mode (notably for 2-Phase and 3-Phase). FXIFY also explains that on 1- and 2-Phase accounts, when a withdrawal is requested, the max drawdown “locks” at the starting balance, meaning profit withdrawals reduce the buffer created by gains and can increase breach risk if no buffer remains. | Smart drawdown (Instant Funding) and static drawdown (evaluation accounts) |
| Payouts | ||
| Payout Frequency | Payout FrequencyInstant Funding: FXIFY states Instant Funding accounts offer payouts every 14 days. Evaluation programs (1-Phase, 2-Phase, 3-Phase): FXIFY states the first payout is instant and on demand, processed right after the trader's first live trade in the funded account. | Weekly or Bi-Weekly |
| Days to First Payout | 0 | 14 |
| Payout Processing Time | 0 | 2 |
| Payout Methods | Crypto Bank Transfer | Bank Transfer Crypto (USDT TRC20/ERC20/BEP20 BTC) |
| Payments | ||
| Payment Methods | Credit/Debit Card Crypto | Credit/Debit Card Apple Pay Google Pay PayPal Crypto |
| Trading Permissions | ||
| News Trading | News trading rules are defined by FXIFY program terms and platform rules; traders should follow FXIFY's compliance guidance and avoid any prohibited behavior, especially around extreme volatility where drawdown breaches can occur quickly. | Allowed during evaluation; funded accounts require add-on to trade major news events. |
| Weekend Trades | FXIFY advertises the ability to hold positions over the weekend on supported programs/instruments, subject to market hours, symbol availability, and account objectives. | Overnight trades allowed; weekend holding requires add-on on funded accounts. |
| Copy Trading | Copy trading is allowed between your own FXIFY accounts and from FXIFY accounts to other accounts. To copy from an external account into a FXIFY account, FXIFY requires submission of the master account statement in HTML format beforehand, and copying from a third party is prohibited. | Allowed only between accounts owned by the same trader. |
| EA Allowed | 1 | EAs allowed if non-abusive and non-latency based. |
| KYC & Restrictions | ||
| KYC Required | Yes | No |
| KYC Stage | KYC is required as part of FXIFY's AML/KYC compliance process before traders can fully access withdrawals/performance fees. If a trader cannot pass KYC, FXIFY's policy explains this impacts their ability to proceed under the program's compliance requirements. | KYC required before first payout. |
| Restricted Countries | United States Zimbabwe Iran Iraq North Korea Somalia Vietnam Burundi Central African Republic Ivory Coast Liberia Libya Sudan Cuba Syria Afghanistan Yemen Palestine Myanmar Nicaragua Congo Republic Crimea Democratic Republic of Congo Eritrea Guinea Guinea-Bissau Papua New Guinea South Sudan Vanuatu Venezuela Algeria Russia Kenya Ghana | 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 |