What is the maximum account funding at Instant Funding, and can traders benefit from a scaling plan?
💡 Answer
Traders at Instant Funding can manage capital up to $3,840,000.Scaling plan availability: No
Instant Funding uses two scaling models. Smart scaling doubles the account every time 10% profit is achieved, up to $1.28M per account. Static scaling increases funded accounts by 25% every 90 days after reaching 10% profit, up to 200% of the initial balance. Combined allocations across programs can reach $3.84M.
More FAQs about Instant Funding
- How does Instant Funding handle different trading styles such as automated trading, news trading, and copy trading?
- Does Instant Funding support refunds, and what payment methods are available?
- What is the payout process at Instant Funding, including withdrawal minimums and processing duration?
- What percentage of profits can traders earn at Instant Funding?
- Which tradable assets are offered by Instant Funding?
- Can you explain the leverage limits at Instant Funding for forex, indices, metals, and cryptocurrency trading?
- Which trading platforms does Instant Funding primarily support, and what broker handles execution?
- How transparent are Instant Funding’s spreads, commissions, and slippage rules?
- What limitations does Instant Funding place on trading strategies, martingale methods, and lot sizing?
- Is the drawdown at Instant Funding static, trailing, or equity-based?
- Are there specific consistency or percentage-based rules at Instant Funding?
- Does Instant Funding offer different program or evaluation models?
- Can you explain the challenge model used by Instant Funding?
- How many Trustpilot reviews does Instant Funding have, and what is its rating?
- How do the program types at Instant Funding break down?
- How are account limits structured at Instant Funding, including multi-account policies and lot size limits?
- At what point does Instant Funding require KYC, and is identity verification mandatory?
- What nationality or country restrictions apply at Instant Funding?
Guides Where Instant Funding Is Featured
- Prop Firms Offering Commodities Trading
- Prop Firms Offering Crypto Leverage of 1:1 or Higher
- Prop Firms Offering FX Leverage of 1:30 or Higher
- Prop Firms Offering Maximum Profit Split of 80% or Higher
- Prop Firms Offering Metals Leverage of 1:15 or Higher
- Prop Firms Offering More Than $600k in Funding
- Prop Firms Offering Profit Split Starting at 75% or Higher
- Prop Firms With At Least 3 Years in Operation
- Prop Firms With TradeLocker Platform
- Top Prop Firms That Accept Clients From Benin
These guides include Instant Funding alongside other prop firms, grouped by trading features, platforms, availability, and trader requirements.
Instant Funding vs PipFarm vs Seacrest Markets - Prop Firm Comparison (March 2026)
Side-by-side comparison of Instant Funding vs PipFarm vs Seacrest Markets. Quickly scan maximum funding, profit splits, risk rules, leverage, platforms, instruments, payout schedules, payment options, trading permissions and KYC restrictions to narrow down your prop trading firm shortlist. Data updated 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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Seacrest Markets
Seacrest Markets (formerly MyFundedFX) is a broker-backed prop evaluation program offering MT5 and Match-Trader simulated challenges with no time limits, up to $400,000 total simulated value across active accounts, 80% profit split on Live Sim accounts (with VIP tiers up...
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|---|---|---|---|
| Overview | |||
| Trustpilot Rating | 0 | 4 | 3.3 |
| Trustpilot Reviews | 0 | 351 | 1 |
| Headquarters | United Kingdom | Singapore | South Africa |
| Age (Years) | 5 | 3 | N/A |
| Max Funding | $3,840,000 | $300,000 | $400,000 |
| Profit Split Start | 80% | 70% | 80% |
| Profit Split Max | 95% | 99% | 92.75% |
| Platforms | MT4 MT5 cTrader dxTrade TradeLocker | cTrader | mt5 match-trader |
| Assets | Forex Commodities Metals Indices Cryptocurrencies | Forex Metals Energy Indices Crypto | FX Metals Indices Energy & Commodities Crypto |
| Leverage | |||
| FX Leverage | 100 | 30 | 30 |
| Metals Leverage | 20 | 20 | 10 |
| Crypto Leverage | 2 | 10 | 2 |
| 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. | Maximum Daily LossDaily loss limits depend on plan: 4% (1-Step), 5% (2-Step), 4% (3-Step). |
| 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). | Maximum Overall Loss6% trailing (1-Step), 8% static (2-Step / 3-Step). |
| 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. | Equity-based (Trailing on 1-Step; Static on 2-Step/3-Step) |
| 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%). | Payouts every 14 days (VIP tiers faster). |
| Days to First Payout | 14 | 0 | 14 |
| 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. | Processing 12–72 hours. |
| Payout Methods | Bank Transfer Crypto (USDT TRC20/ERC20/BEP20 BTC) | Rise Skrill USDT USDC | Crypto RiseWorks |
| 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. | Credit/Debit Card Crypto Apple Pay |
| 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”). | News trading restricted on Live Sim (±3 minutes). |
| Weekend Trades | Overnight trades allowed; weekend holding requires add-on on funded accounts. | N/A | Weekend trading allowed. |
| 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. | Copy trading allowed for own strategies only. |
| 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. | EAs allowed on MT5 only. |
| KYC & Restrictions | |||
| KYC Required | No | No | Yes |
| 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. | KYC required at Live Sim stage. |
| 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 | Cuba Iran Lebanon Syria North Korea Libya Russia Sudan Somalia South Sudan Vietnam United Arab Emirates Hong Kong Belarus Myanmar Central African Republic Democratic Republic of Congo Congo Ethiopia Nicaragua Venezuela Yemen Philippines Kenya Algeria Morocco United States |