Instant Funding vs Mubite - Comparação de Firmas Prop (Junho 2026)

Comparação direta entre Instant Funding e Mubite. Verifique o financiamento máximo, divisões de lucro, regras de drawdown diário e geral, alavancagem, ativos negociáveis, frequência de pagamento, métodos de pagamento e retirada, permissões de negociação e restrições de KYC antes de comprar um desafio. Dados atualizados Junho 2026.

Instant Funding vs Mubite - Comparação de Firmas Prop (Junho 2026)

	Instant Funding Financiamento Instantâneo (operado pela Acello Ltd no Reino Unido e IF Pro Ltd em Santa Lúcia) é uma empresa de prop trading sem avaliação que oferece Financiamento Instantâneo (retirada inteligente), IF Micro, IF1 (conta de 24 horas), One-Phase, One-Phase Micro,... Visitar Instant Funding	Mubite Mubite (Mubite s.r.o., Prague, Czech Republic) is a crypto-native prop firm that funds traders exclusively on cryptocurrency futures — 700+ USDT perpetual markets via Bybit and Cleo, leverage up to 1:100. It offers Two-Step, One-Step and Instant Funding routes across... Visitar Mubite
Visão Geral
Avaliação do Trustpilot	0	0
Avaliações do Trustpilot	0	0
Sede	United Kingdom	Czech Republic
Idade (Anos)	5	1
Financiamento Máximo	$3,840,000	$200,000
Início da Divisão de Lucros	80%	70%
Máximo da Divisão de Lucros	95%	90%
Plataformas	MT4 MT5 cTrader dxTrade TradeLocker	Bybit Cleo
Ativos	Forex Commodities Metais Índices Criptomoedas	Crypto futures only — BTC ETH & altcoin USDT perpetuals (700+ markets)
Alavancagem
Alavancagem de FX	100	0
Alavancagem de Metais	20	0
Alavancagem de Cripto	2	100
Regras de Risco e Drawdown
Perda Máxima Diária	2	Daily Loss LimitMubite applies a daily loss limit on its evaluation programs:One-Step: ~4% of account size.Two-Step: ~5% of account size.Per-dollar amounts are not published per account size. Mubite’s Terms also reference a maximum 5% daily stop-loss on the initial balance and a maximum 3% risk per trade. Confirm the exact daily limit for your chosen account in writing.
Perda Máxima Total	10	Maximum / Overall DrawdownOne-Step: ~6% of account size.Two-Step: ~8% of account size.Instant Funding: ~10%, tightening to ~5% once the account reaches +5% profit.Drawdown is described as measured from the starting balance. The exact basis (balance vs equity, intraday vs end-of-day) is not clearly documented on Mubite’s site — verify before trading.
Tipo de Drawdown	Retirada inteligente (Financiamento Instantâneo) e retirada estática (contas de avaliação)	Drawdown ModelMubite describes its drawdown as calculated from the starting account balance (static-style) rather than a trailing model. However, the firm does not clearly state whether the limit is evaluated intraday or end-of-day, or against balance vs equity. Because some reviewers report rules being enforced at the withdrawal stage, get the exact drawdown calculation confirmed in writing.
Pagamentos
Frequência de Pagamento	Semanal ou Quinzenal	Payout FrequencyOne-Step / Two-Step (funded): on-demand payouts once your account is approved.Instant Funding: first payout 14 days after your first trade, then bi-weekly.Reviewers note a per-request payout cap of around 5% of account size. KYC must be completed before any withdrawal.
Dias para o Primeiro Pagamento	14	14
Tempo de Processamento do Pagamento	2	Payout ProcessingMubite advertises fast crypto payouts, typically processed within 24 hours (some funded traders report minutes to a few hours). Payouts are sent in cryptocurrency (USDT). Note: independent reviewers have flagged isolated reports of payout denials tied to after-the-fact rule reviews — keep clean records of your trades.
Métodos de Pagamento	Transferência Bancária Cripto (USDT TRC20/ERC20/BEP20 BTC)	Cryptocurrency (USDT)
Pagamentos
Métodos de Pagamento	Cartão de Crédito/Débito Apple Pay Google Pay PayPal Cripto	Credit/Debit Card Cryptocurrency
Permissões de Negociação
Negociação de Notícias	Permitido durante a avaliação; contas financiadas requerem um complemento para negociar eventos de notícias importantes.	Restricted. Mubite’s FAQ lists news trading among prohibited activities, although its marketing pages imply flexible API trading. Because this is stated inconsistently across Mubite’s own pages — and rules are reportedly checked at withdrawal — treat news trading as not permitted unless support confirms otherwise in writing for your account.
Negociações de Fim de Semana	Negociações overnight permitidas; manter posições no fim de semana requer um complemento em contas financiadas.	Allowed. Crypto markets trade 24/7, so Mubite permits holding positions overnight and through weekends. Be mindful of perpetual funding costs on held positions.
Negociação Copiada	Permitido apenas entre contas de propriedade do mesmo trader.	Not allowed. Mubite’s FAQ and Terms prohibit copy trading, mirroring, account rolling, group/coordinated trading, and third-party account management unless explicitly approved by the firm.
EA Permitido	EAs permitidos se não forem abusivos e não baseados em latência.	Restricted. Mubite’s marketing highlights Bybit API access, but its FAQ and Terms prohibit trading bots, high-frequency/latency strategies, and AI/algorithmic systems that create an “unfair advantage.” Manual API order entry is fine; automated bots are not permitted without approval. Confirm your setup with support first.
KYC e Restrições
KYC Necessário	Não	Não
Etapa KYC	KYC necessário antes do primeiro pagamento.	KYC is required before your first withdrawal. You can start trading on the connected Bybit/Cleo account without completing KYC, but identity verification (valid photo ID) must be passed before any payout is released. Verification typically takes ~48–72 hours.
Países Restritos	Afeganistão Bielorrússia República Centro-Africana Cuba República Democrática do Congo Eritreia Guiné-Bissau Irã Iraque Líbano Líbia Mali Mianmar Coreia do Norte Rússia Somália Sudão do Sul Sudão Síria Iémen Zimbábue	Iran North Korea Myanmar Russia Belarus plus any jurisdiction under applicable international sanctions