Instant Funding vs PipFarm - Prop Firm Comparison (March 2026)
Head-to-head comparison of Instant Funding and PipFarm. 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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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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PipFarm
PipFarm is operated by ECI Ventures Pte. Ltd. (Singapore) and provides simulated trading challenges on the cTrader platform. Traders who pass a Trading Challenge may be enrolled in PipFarm’s Remote Trader Program and earn a reward (profit share) based on...
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| Overview | ||
| Trustpilot Rating | 0 | 4 |
| Trustpilot Reviews | 0 | 351 |
| Headquarters | United Kingdom | Singapore |
| Age (Years) | 5 | 3 |
| Max Funding | $3,840,000 | $300,000 |
| Profit Split Start | 80% | 70% |
| Profit Split Max | 95% | 99% |
| Platforms | MT4 MT5 cTrader dxTrade TradeLocker | cTrader |
| Assets | Forex Commodities Metals Indices Cryptocurrencies | Forex Metals Energy Indices Crypto |
| Leverage | ||
| FX Leverage | 100 | 30 |
| Metals Leverage | 20 | 20 |
| Crypto Leverage | 2 | 10 |
| Risk & Drawdown Rules | ||
| Max Daily Loss | 2 | Maximum Daily LossPipFarm’s Max Daily Loss rule is calculated as a percentage of the previous end-of-day (EOD) balance. By default, the daily loss limit is 3% of the previous EOD balance and is recalculated when the previous EOD balance changes. PipFarm states the EOD is calculated in the dashboard around 22:05 GMT (winter) or 21:05 GMT (US daylight savings). PipFarm also states traders may increase the daily loss limit to 4% after achieving Rank 4 in its Experience Programs. |
| Max Total Loss | 10 | Maximum Overall LossPipFarm offers different maximum-loss models depending on program selection. For Static Max Loss, PipFarm states the one-stage program uses a 6% Static Max Loss of starting balance, while the two-stage program uses a 9% Static Max Loss of starting balance. For the one-stage program, PipFarm also offers a Trailing Maximum Loss option which tracks a high watermark (balance-based) and is 9% of the high watermark balance (10% if Rank 2 or higher). |
| Drawdown Type | Smart drawdown (Instant Funding) and static drawdown (evaluation accounts) | Drawdown ModelPipFarm’s public rules describe multiple drawdown frameworks, including: (1) a Static Max Loss (fixed percentage of starting balance), (2) a balance-based Trailing Max Loss (tracks the high watermark of account balance), and (3) an equity-based trailing max drawdown rule (high-watermark equity-based), as described in PipFarm’s Terms. |
| Payouts | ||
| Payout Frequency | Weekly or Bi-Weekly | Payout FrequencyBy default, PipFarm schedules and processes payouts automatically on the first Friday of each month. Optional payout-frequency add-ons are available: Bi-weekly (1st and 3rd Friday of each month, +10%) and Weekly (every Friday, +25%). |
| Days to First Payout | 14 | 0 |
| Payout Processing Time | 2 | Payout ProcessingPipFarm states payouts are processed automatically at 06:00 GMT on the eligible Friday and completed by 23:59 GMT the same day, provided requirements are met and there are no open positions. PipFarm’s Terms also describe a $1,000 compensation policy if a scheduled payout is missed due to internal company error (subject to conditions), and note payouts may be suspended or delayed for investigation or verification requirements. |
| Payout Methods | Bank Transfer Crypto (USDT TRC20/ERC20/BEP20 BTC) | Rise Skrill USDT USDC |
| Payments | ||
| Payment Methods | Credit/Debit Card Apple Pay Google Pay PayPal Crypto | PipFarm’s Terms state it accepts payment through various methods (including credit cards e-wallets and cryptocurrencies) though availability may vary by user and time. |
| Trading Permissions | ||
| News Trading | Allowed during evaluation; funded accounts require add-on to trade major news events. | PipFarm’s marketing materials state it allows news trading and that it does not dictate how users should trade. PipFarm’s Terms also prohibit exploitative trading strategies (including “news straddling”). |
| Weekend Trades | Overnight trades allowed; weekend holding requires add-on on funded accounts. | N/A |
| Copy Trading | Allowed only between accounts owned by the same trader. | PipFarm’s Terms list copy-trading/managed-account services (e.g., MQL5 or ZuluTrade) as prohibited trading practices, and also prohibit trading on behalf of others or having others trade on your behalf. |
| EA Allowed | EAs allowed if non-abusive and non-latency based. | PipFarm’s Terms prohibit using a commercial trading robot purchased from a third party without any adjustment to strategy. |
| KYC & Restrictions | ||
| KYC Required | No | No |
| KYC Stage | KYC required before first payout. | PipFarm’s Terms state that to participate in the Remote Trader Program, the user must pass an ID verification process after passing a Trading Challenge for the first time. PipFarm states verification is completed via ComplyCube or Veriff and may require an identity document, a selfie, and (in some cases) proof of address, questionnaires, or a video call. |
| Restricted Countries | 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 | Afghanistan Central African Republic Congo (Republic of the Congo) Crimea Democratic Republic of Congo Iran Libya North Korea Somalia South Sudan Sudan Syria Yemen |