
Eight routes to funding — two Instant tiers, Lightning, One Phase, three Two Phase tiers and Three Phase, with splits to 100%.
Trading Platforms
MT5
TradingViewPayout Methods
Crypto
RiseworksAbout FXIFY
FXIFY has funded traders from the United Kingdom since April 2023 under Peter Brown and David Bhidey. Eight programs cover more ground than almost any firm on this site: Instant Standard and Instant Lite fund you the day you buy, Lightning is a 5-day sprint at a 5% target, One Phase asks 10% in a single stage, three Two Phase tiers trade drawdown against target, and Three Phase spreads 5% across three stages. Accounts run from $1,000 to $400,000 with a $1,097,500 ceiling across everything you hold. Trading is on MT5, DXtrade or TradingView, and the split reaches 100% on Two Phase Classic if you take monthly payouts. FXIFY holds a 4.4 TrustPilot rating across 5,557 reviews.
Challenge Programs
Instant Standard
Funded on purchase with no evaluation and no profit target. No EAs, no copy trading, no weekend holding and no news trading. Sizes $1K to $100K. From $55.20.
Profit Split: 80% standard, 90/10 as a +20% add-on
No profit target | Daily Loss: 8% | Max Loss: 8% (EOD Trailing) | Payouts: 14 Days | Leverage: 1:50
Instant Lite
The cheapest way onto a funded account, at the cost of a 20% consistency rule and 5 minimum trading days. Sizes $2.5K to $50K. From $19.00.
Profit Split: 80% standard, 90/10 as a +20% add-on
No profit target | Daily Loss: 3% | Max Loss: 4% (EOD Trailing) | Payouts: 10 Days | Leverage: 1:50
Lightning
A 5-day sprint at a 5% target with a mandatory stop-loss on every trade and a 30% consistency rule. Sizes $10K to $100K. From $47.20.
Profit Split: 80% standard, 90/10 as a +20% add-on
Profit Target: 5% | Daily Loss: 3% | Max Loss: 4% (EOD Trailing) | Payouts: 7 Days | Leverage: 1:30
One Phase
Single 10% target on a 6% trailing drawdown, with no consistency rule and no time limit. Sizes $5K to $400K. From $47.20.
Profit Split: 80% standard, 90/10 as a +20% add-on
Profit Target: 10% | Daily Loss: 3% | Max Loss: 6% (EOD Trailing) | Payouts: 30 Days | Leverage: 1:50
Two Phase Standard
10% then 5% on a 10% trailing drawdown. Payouts on demand or every 30 days. Sizes $5K to $400K. From $47.20.
Profit Split: 80% standard, 90/10 as a +20% add-on
Profit Target: 10% - 5% | Daily Loss: 4% | Max Loss: 10% (EOD Trailing) | Payouts: 30 Days | Leverage: 1:50
Two Phase Classic
Static drawdown instead of trailing, and the only route to a 100% split — take the 30-day cycle. Carries a 25% consistency rule. Sizes $5K to $100K. From $47.20.
Profit Split: 80% on the 14-day cycle, or 100% monthly
Profit Target: 5% - 10% | Daily Loss: 4% | Max Loss: 10% (Static) | Payouts: 14 Days | Leverage: 1:30
Two Phase Pro
Lowest first-phase target at 4%, on a tight 8% static cap with a $4,000 daily gains limit. No copy trading and no fee refund. Sizes $10K to $250K. From $90.30.
Profit Split: 80%, no add-on
Profit Target: 4% - 8% | Daily Loss: 4% | Max Loss: 8% (Static) | Payouts: 10 Days | Leverage: 1:30
Three Phase
5% across all three stages on a 5% static drawdown — the gentlest targets and the cheapest entry. Sizes $5K to $400K. From $31.20.
Profit Split: 80% standard, 90/10 as a +20% add-on
Profit Target: 5% - 5% - 5% | Daily Loss: 5% | Max Loss: 5% (Static) | Payouts: 30 Days | Leverage: 1:50
Key Features
• Eight Programs: from a $19 Instant Lite to a $400,000 Three Phase account
• 100% Split: on Two Phase Classic with the 30-day payout cycle
• TradingView Native: trade from TradingView charts alongside MT5 and DXtrade
• Fee Refunded: 100% back with your first payout on One Phase, all Two Phase tiers except Pro, Three Phase and Lightning
• Split & Payout Add-Ons: 90/10 for +20%, bi-weekly payouts for +5%
• 1:50 Leverage: on FX and gold when you raise it at checkout; 1:30 is standard
• $1,097,500 Ceiling: across every account you hold, broken down per program
• EAs on Evaluations: permitted after review and pre-approval; prohibited on Instant and Lightning
• 25% Scaling: every 3 months on 10% profit with 2 profitable months, doubling up to four times
• Payouts in 3 Days: by bank transfer, crypto or Riseworks, with a $50 minimum
Leverage
| Asset | Instant | 1-Step | 2-Step | 3-Step |
|---|---|---|---|---|
| FX | ||||
| Gold & Metals | ||||
| Indices | ||||
| Oil & Energy | ||||
| Stocks |
Commissions
| Asset | Commission |
|---|---|
| FX | Raw $6/lot • All-In commission-free |
| Metals | Raw $6/lot • All-In commission-free |
| Indices | Raw $6/lot • All-In commission-free |
| Energy | Raw $6/lot • All-In commission-free |
| Stocks | 0.35% round trip |
Restricted Countries
| Size | Program | Profit Target | Max Loss | Daily Loss | Drawdown | Profit Split | Payout | Loyalty | Activation Fee | Price |
|---|
30% Off 2-Phase Pro for New Traders
New to FXIFY? Code GUIDE takes 30% off the 2-Phase Pro program.
20% Off Everything Else
Code GUIDE takes 20% off every other program — Instant Standard, Lightning, One Phase, both Two Phase tiers and Three Phase. Instant Lite is excluded.
News Trading — Evaluations Allowed
Unrestricted on One Phase, Two Phase and Three Phase. Instant and Lightning accounts are restricted instead: you may hold through a release but cannot execute inside the 5 minutes either side, and profit made in that window does not count.
Weekend Holding Allowed
Allowed on One Phase, Two Phase, Three Phase and Lightning. On Instant Standard and Instant Lite open positions are closed automatically before Friday’s market close.
Copy Trading Allowed
Between your own FXIFY accounts, and out of an FXIFY account to an external one. Copying into FXIFY requires a master statement with at least a month of history in your name, supplied in HTML. Third-party copying is prohibited, and copy trading is banned outright on 2-Phase Pro, Instant Standard, Instant Lite and Lightning.
Consistency Rules Restricted
2-Step Classic: 25% daily consistency — no payout until your best day falls below 25% of total profit for the period. Lightning: 30% across evaluation and funded. Instant Lite: 20% at payout. The other programs have none.
Minimum Trading Days Restricted
One Phase, Two Phase Standard and Three Phase: 5 days per phase. Two Phase Classic: 4 days per phase. 2-Phase Pro: 3 profitable days at 0.5% each. Lightning: 3 days. Instant Lite: 5 days. Instant Standard: none.
Expert Advisors Restricted
Allowed on the evaluation programs after review and pre-approval by support, on MT5 accounts and Pine Script on TradingView. You must supply a description, timeframe, average holding time, pairs, take-profit target and whether it uses HFT or latency arbitrage. EAs and bots are prohibited entirely on Instant Standard, Instant Lite and Lightning.
Lightning Stop-Loss Rule Restricted
A stop-loss is required. The first and second trades placed without one close automatically as soft breaches; a third is a hard breach.
Lightning Time Limit Restricted
7 calendar days, of which 5 are trading days.
2-Phase Pro Daily Profit Cap Restricted
$4,000 of profit in a single trading day. Hit it and you are closed out until the next session.
Inactivity Rule Restricted
Trade at least once every 60 days. Going quiet longer than that breaches the account.
IP & Device Policy Restricted
Different IPs and devices are fine and are not a violation on their own. Several accounts sharing one IP can trigger a review, and FXIFY also checks computer ID — a shared CID raises account-management and KYC concerns.
Third-Party Purchases Restricted
Accounts bought by someone else are subject to termination. Limited exceptions exist, such as a married couple on a shared bank account.
Performance Protect Restricted
An optional add-on that shields a funded account if it breaches the drawdown, rather than closing it outright.
Prohibited Strategies Prohibited
High-frequency trading, reverse and group hedging, account management, latency arbitrage, delayed data feeds or charts, order-book spamming, herd trading, collusion between users, poor money management, improper risk management, gambling behaviour such as YOLO or impulsive trading, exploiting bugs and glitches, high-leverage news trading used as gambling, and statistical arbitrage.
Restricted Countries
Live On-Chain Payouts — Last 30 Days
Loading…RISEPAY on-chain data only. Some firms also pay via wire or other crypto — figures are a partial view.
Minimum: $50 on all account types • Maximum: No limit
Processing: Within 3 business days
One Phase, Two Phase & Three Phase
80% rising to 90%, and higher with add-ons. First payout on demand, then every 30 days, or every 14 days with the add-on. Two Phase Classic has no on-demand option: 80% bi-weekly or 100% monthly.
2-Phase Pro
80% split, paid every 10 days. The first two payouts are capped at 5% of the initial balance on $10K to $150K accounts, or $8,000 on $200K and $250K. From the third payout there is no cap.
Lightning, Instant Standard & Instant Lite
80% split across all three. Lightning pays first at 7 days then bi-weekly, Instant Standard bi-weekly, and Instant Lite every 10 days.
Minimum Withdrawal
$50 on every account type, processed within 3 business days.
Drawdown Lock
On any account with trailing drawdown, the max drawdown stops trailing and locks at the initial balance once your profit matches the drawdown, when you request a withdrawal, or when withdrawing everything would put you at risk of breaching it.
Payout Rails
Riseworks, bank transfer or crypto. Traders in Ukraine, where Rise is unavailable, can be paid in USDC or USDT, and users in US states without Rise coverage are paid by bank wire.
Scaling Plan
Return 10% across your first three months with at least two profitable, and the account scales 25%. Repeat every three months on the same terms and the balance doubles each time, up to four scale-ups. Not available on Instant Standard, Instant Lite, 2-Phase Pro or Lightning.
Available Markets & Leverage
FX
Gold & Metals
Indices
Oil & Energy
Stocks
Commissions
FX
Raw $6/lot • All-In commission-free
Metals
Raw $6/lot • All-In commission-free
Indices
Raw $6/lot • All-In commission-free
Energy
Raw $6/lot • All-In commission-free
Stocks
0.35% round trip
Trader Reviews 0
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FXIFY Reviews & Ratings
Rated by our community & expert team
Choice is the pitch, and it is real. Three Phase costs $31.20 with 20% off, Two Phase Pro drops to $90.30 with the new-trader code, and Instant Lite starts at $19 with no discount because it does not need one. Two Phase Classic pays a full 100% if you accept monthly withdrawals. The catch is that the cheap end is the strict end: Instant Standard and Instant Lite ban EAs, copy trading, weekend holding and news trading outright, and Lightning demands a stop-loss on every trade inside a 5-day window. Read the program you are buying, not the firm — the rules change more between FXIFY tiers than they do between most firms.
Summary
FXIFY runs eight programs from the UK. One Phase asks 10% against a 6% trailing drawdown; Two Phase Standard 10% then 5% on a 10% trailing cap; Two Phase Classic runs static instead and pays up to 100%; Two Phase Pro asks 4% then 8% on a tight 8% static cap with a $4,000 daily gains limit; Three Phase spreads 5% across three stages. Instant Standard and Instant Lite skip the evaluation entirely, and Lightning compresses it into 5 days at a 5% target with a mandatory stop-loss. Code GUIDE takes 20% off everything except Instant Lite, and 30% off Two Phase Pro for new traders. The standard split is 80%, with 90/10 available as a +20% add-on and bi-weekly payouts for +5%. Leverage is 1:30 as standard, raised to 1:50 on FX and gold at checkout. Payouts clear within 3 business days by bank transfer, crypto or Riseworks, with a $50 minimum. Its 4.4 TrustPilot rating from 5,557 reviews reflects a firm that grew quickly on breadth.
Deep Dive
More About FXIFY
Is FXIFY Legit?
FXIFY is a UK firm trading since April 2023 under Peter Brown and David Bhidey. Its 4.4 TrustPilot rating across 5,557 reviews is a solid sample for a firm three years old. The most useful evidence is how much it publishes: the exact allocation ceiling of $1,097,500 broken down by program, the drawdown lock conditions, the striking rules on stop-loss violations, and workarounds for traders in Ukraine and the US states where Riseworks is unavailable. Firms planning not to pay rarely document their payout rails that precisely. Start small, read the rules for the specific tier you are buying, and confirm your country is eligible first.
FXIFY vs Other Forex Prop Firms
FXIFY vs FundingPips: Both reach a 100% split through slower payout cycles, and both run five or more programs. FundingPips has the larger review base; FXIFY offers TradingView natively and a far wider spread of account sizes, from $1,000 up.
FXIFY vs Alpha Capital: Alpha Capital pays every 3 days as standard, where FXIFY’s fastest standing cycle is 7 days on Lightning. FXIFY answers with the 100% split option, native TradingView and a refunded fee on most programs.
FXIFY vs Hola Prime: Two of the widest platform lineups in forex prop trading: FXIFY on MT5, DXtrade and TradingView, Hola Prime across six including MT4. Hola Prime lets you pick the payout cycle at checkout and ties the fastest one to a 40% consistency requirement. FXIFY fixes the cycle per program and applies consistency rules to three of its eight.
FXIFY Frequently Asked Questions
What challenge types does FXIFY offer?
Eight. Instant Standard and Instant Lite fund you immediately. Lightning is a 5-day sprint at a 5% target. One Phase asks 10% in one stage. Two Phase comes in Standard, Classic and Pro tiers, and Three Phase spreads 5% across three stages.
How much does an FXIFY account cost?
Instant Lite starts at $19 and is the only program excluded from the sale. Three Phase is $31.20 for a 5K with 20% off, One Phase $47.20, and Two Phase Pro $90.30 for a 10K with the new-trader discount.
What is the maximum profit split at FXIFY?
100%, on Two Phase Classic if you take the 30-day payout cycle. Every other program starts at 80% and can be raised to 90/10 with a +20% add-on at checkout.
Does FXIFY support TradingView?
Yes, natively, alongside MT5 and DXtrade. It is one of the few prop firms where you can trade directly from TradingView charts.
Does FXIFY have consistency rules?
On two programs. Two Phase Classic applies a 25% daily consistency rule, and Lightning a 30% rule across assessment and funded. Instant Lite carries 20% at payout. The others have none.
Are Expert Advisors allowed at FXIFY?
On One Phase, all Two Phase tiers and Three Phase, after review and pre-approval by support. You must supply the strategy description, timeframe, holding time and whether it uses HFT or latency arbitrage. EAs are prohibited entirely on Instant Standard, Instant Lite and Lightning.
What leverage does FXIFY offer?
1:30 as standard on FX and gold, raised to 1:50 by customising leverage at checkout. Indices are 1:10, oil 1:5 and stocks 1:2 throughout. Two Phase Pro and Lightning are capped at 1:30.
How fast are FXIFY payouts?
Processed within 3 business days once approved, by bank transfer, crypto or Riseworks, with a $50 minimum. Cycles run from 7 days on Lightning through 10, 14 and 30 days depending on the program and add-ons.
Is the challenge fee refundable?
Yes on One Phase, Two Phase Standard, Two Phase Classic, Three Phase and Lightning — 100% back with your first payout. Instant Standard, Instant Lite and Two Phase Pro have no refund.
What is the maximum I can hold with FXIFY?
$1,097,500 across all accounts. Instant Standard and Lightning allow 1 active account each capped at $100K, Instant Lite 1 of each size to $92.5K, Two Phase Pro 1 of each size to $785K, and the other assessment programs 1 of each size to $805K.
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