
Rank-based via the XP Experience Program
30-day default • bi-weekly or weekly add-ons
Dynamic leverage, asset-class based
3 modes × 3 formats on Standard, 3 formats on Instant
Trading Platforms
cTraderPayout Methods
Rise
Skrill
CryptoAbout PipFarm
PipFarm runs out of Singapore and has been live since 2023. The whole operation is built on cTrader, so if you trade fast and want serious automation support, you're starting from a strong base. The firm gives you two ways in: Instant accounts skip the evaluation entirely and drop you on a sim-funded account from day one, while Standard challenges run through an evaluation phase in your choice of three modes (Consistency, Endurance, Classic) and three formats (1-Stage Static, 1-Stage Trailing, 2-Stage Static). The profit split is where PipFarm separates itself. Everyone starts at 70%. You earn XP for passing challenges, getting paid, and scaling, and each rank bumps the split up the ladder all the way to 99% at Rank 6. Consistency Mode earns double XP, so you climb faster. Payouts settle through Rise, Skrill, or crypto.
Programs & Modes
Instant
Funded immediately with no evaluation. Three formats: EOD Trailing (4% trailing max loss), Payout Trailing (5% payout trailing max loss), and Equity Trailing (6% equity trailing max loss). All require 6% payout target, 25% consistency score, and 5 winning days before the first payout. Sizes from $2,500 to $150,000.
Profit Split: 70% → 99% (rank-based)
Drawdown: Trailing | Default Payout Cycle: 30 days | Pip Protector: 2%
Standard — Consistency Mode
Designed for balanced performance. Requires 35% or lower Consistency Score and 1% minimum payout. Profit Target 12% on 1-Stage formats, 6%/6% on 2-Stage. Earns double XP on passes, payouts, and scaling. Sizes from $5,000 to $150,000.
Profit Split: 70% → 99% (rank-based)
Best value tier | Drawdown: Static or Trailing | Default Payout Cycle: 30 days
Standard — Endurance Mode
Built around profitable days. Requires 0.5% profitable days and 2% minimum payout. Profit Target 12% on 1-Stage formats, 8%/5% on 2-Stage. Most popular Standard mode at PipFarm. Sizes from $5,000 to $150,000.
Profit Split: 70% → 99% (rank-based)
Drawdown: Static or Trailing | Default Payout Cycle: 30 days
Standard — Classic Mode
The simplest path — just trading days and a minimum payout. Requires 3 trading days and 3% minimum payout. Profit Target 12% on 1-Stage formats, 9%/6% on 2-Stage. Sizes from $5,000 to $150,000.
Profit Split: 70% → 99% (rank-based)
Drawdown: Static or Trailing | Default Payout Cycle: 30 days
The XP Experience Program
Your profit split is tied to your Rank in the XP Experience Program. New traders start at Rank 0 with a 70% split. Each rank increases the split: Rank 1 (10 XP) = 75%, Rank 2 (25 XP) = 80%, Rank 3 (50 XP) = 85%, Rank 4 (100 XP) = 90%, Rank 5 (200 XP) = 95%, Rank 6 (300 XP) = 99%. Rank also affects max loss limits and commission rates — Rank 2+ unlocks more lenient drawdown and Rank 6 trades commission-free.
Dynamic Leverage (per asset class)
| Asset | Challenge | Instant / Funded |
|---|---|---|
| Forex (up to $5M exposure) | ||
| Metals (up to $250K / $100K) | ||
| Indices (up to $500K / $100K) | ||
| Oil (up to $100K) | ||
| Crypto (up to $100K) |
Leverage is reduced as net exposure grows — accounts below $100K rarely hit dynamic adjustments. Extra leverage tier available as an add-on (up to 1:50 forex).
Commissions (rank-based)
| Rank | Forex & Metals (per round turn lot) |
|---|---|
| Rank 0 (Default) | $6 |
| Rank 2+ | $3 |
| Rank 4+ | $1 |
| Rank 6 | $0 |
Indices, cryptocurrencies, and energies are commission-free at all ranks.
Restricted Countries
Iranian, North Korean, and US citizens are not eligible regardless of residency.
| Size | Program | Target | Daily Loss | Max Loss | Profit Split | Payout | Loyalty | Price |
|---|
50% Off All Instant Accounts
Use code GUIDE at checkout for 50% off any Instant account — EOD Trailing, Payout Trailing, or Equity Trailing — from $2.5K up to $150K. Stacks on top of base pricing.
30% Off All Standard Challenges
Use code GUIDE at checkout for 30% off any Standard challenge — Consistency, Endurance, or Classic in any format. Same code works on both Instant and Standard.
Daily Loss Limit
3% on every Standard challenge and Instant account by default. Increases to 4% at Rank 4+ on Standard challenges. Calculated against starting equity each day.
Maximum Loss Limit
Varies by format. 1-Stage Static: 6% (Rank 2+: 7%). 1-Stage Trailing: 9% balance trailing (Rank 2+: 10%). 2-Stage Static: 8% on Consistency/Endurance, 9% on Classic (Rank 2+: 9%/10%). Instant: 4% EOD Trailing, 5% Payout Trailing, 6% Equity Trailing (each adds 1% at Rank 2+).
Profit Target
Consistency: 12% on 1-Stage formats, 6%/6% on 2-Stage. Endurance: 12% on 1-Stage formats, 8%/5% on 2-Stage. Classic: 12% on 1-Stage formats, 9%/6% on 2-Stage. Instant: no target — funded immediately. Payout target on Instant is 6%.
Profit Split (XP Experience Program)
Rank 0 = 70%. Rank 1 (10 XP) = 75%. Rank 2 (25 XP) = 80%. Rank 3 (50 XP) = 85%. Rank 4 (100 XP) = 90%. Rank 5 (200 XP) = 95%. Rank 6 (300 XP) = 99%. Consistency Mode earns double XP on passes, payouts, and scaling.
Leverage (Dynamic)
Forex 1:30, Metals 1:20 (challenge) or 1:10 (funded), Indices 1:20 (challenge) or 1:20 (funded), Oil 1:20 (challenge) or 1:10 (funded), Crypto 1:2. Leverage reduces dynamically as net exposure grows. An extra leverage add-on is available (up to 1:50 forex).
Payout Interval
30 calendar days by default. Bi-weekly (14 days) is a +10% add-on, weekly (7 days) is a +25% add-on. Across multiple funded accounts you can only receive one payout every 7 days regardless of add-ons (personal payout interval).
Minimum Payout Requirement
Consistency: 1% of starting balance plus 35% or lower Consistency Score. Endurance: 2% plus 3 profitable days. Classic: 3% plus 3 trading days. Instant: 1% plus 6% profit target, 25% or lower Consistency Score, 5 winning days.
Pip Protector (Instant only)
2% Max Risk Limit per trading session on Simulated Funded Accounts. Operates on a three-strike structure: each time the limit is reached, open positions are closed automatically and your risk allowance is reduced. Not active during challenge stages.
Stop Out Violation (hard breach)
If your margin level falls to 100% and cTrader auto-closes positions, the account is terminated immediately as a hard breach — cannot be appealed or protected by Power-Ups. Applies to all accounts created on or after 9 March 2026.
Consistency Score
Best day ÷ total profit. Consistency Mode requires 35% or lower. Instant requires 25% or lower. From 9 April 2026, Classic and Endurance also require 50% to qualify for payouts on funded accounts.
News Trading
Allowed on every program with no time-window restrictions. Repeatedly placing max-size positions just before major events may be flagged under the toxic trading policy.
Weekend Holding & Trading
Holding positions overnight and through weekends is allowed. Weekend crypto trading is also allowed. Gap trading rule applies: profit from gaps larger than 0.2% is deducted (soft breach — no termination).
Expert Advisors / Bots
Allowed if built around your own strategy. Bots purchased from cTrader cBot marketplaces, MQL5 Market, or any third-party vendor are prohibited. cTrader Automate, cTrader Plugins, and the cTrader Open API are all supported.
Copy Trading
Allowed between your own accounts in any direction — PipFarm to PipFarm, PipFarm to other prop firms, PipFarm to brokers. Copying another trader's signals or strategies is prohibited.
Hedging
Allowed within a single account. Hedging across multiple accounts (same instrument or correlated) is treated as toxic trading and results in permanent disqualification from all accounts involved.
High-Frequency Trading
Prohibited. Manual scalping, swing, and intraday trading are allowed. Strategies that fire dozens or hundreds of trades in seconds or exploit latency are not permitted.
Maximum Allocation
Up to 5 funded accounts from challenges (max $300,000 combined). Up to 3 Instant accounts (max $300,000 combined). Challenges have no limit. Scaling-program funding is exempt from these caps.
Inactivity Rule
You must close at least one trade every 28 days to keep your account active. A warning email is sent 3 days before the deadline. Trade size and duration do not matter — any closed trade resets the timer.
Time Limit
90 days per stage on accounts purchased from 9 April 2026 onward. Extended Time Limit add-on unlocks 180 or 360 days. Accounts purchased before 9 April 2026 have a 365-day time limit per stage. Clock resets on stage progression and on each payout (Simulated Funded).
Swap-Free Add-On
Available for an additional 10% fee. Instead of swap charges, an administrative fee is applied. Standard accounts have swaps charged at 22:00 GMT, with triple swap on Wednesdays for FX/metals and Fridays for indices/energy.
KYC Verification
Required before the first payout. For some payment methods, you also need to sign a contract.
Restricted Countries
Iranian, North Korean, and US citizens are not eligible regardless of residency.
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.
70% → 99% rank-based split • 30-day default interval • Rise, Skrill & Crypto rails
Default Payout Interval
Every 30 calendar days by default. Bi-weekly (14 days) is a +10% add-on at checkout. Weekly (7 days) is a +25% add-on. Across multiple funded accounts you can only receive one payout every 7 days regardless of add-ons.
Payout Process
Three steps: Request from your dashboard once the interval is complete and requirements are met. Review within 2 business days — trading must stop during review. Receive the approved payout within 2 business days via your selected method.
Profit Split (XP rank-based)
Rank 0 = 70%, Rank 1 = 75%, Rank 2 = 80%, Rank 3 = 85%, Rank 4 = 90%, Rank 5 = 95%, Rank 6 = 99%. XP is earned for passing challenges, receiving payouts, and scaling. Consistency Mode accounts earn double XP.
Payout Caps
Each payout is capped at a percentage of your account balance that grows with each successful payout. Challenge-promoted accounts: 6% / 8% / 10% / 12% from payouts 1 to 4+. Instant accounts: 3% / 4% / 5% / 6%. A hard cap of $5,000 applies to every single payout regardless. Profit above the cap stays in the account for future payouts.
Payout Methods
Rise: $50 minimum, $25 fee under $500 / free above. Skrill: $50 minimum, subject to Skrill exchange rates. USDT / USDC: $50 minimum, $2.50 fee.
Minimum Reward Requirements
Consistency: 1% of starting balance plus 35% or lower Consistency Score. Endurance: 2% plus 3 profitable days. Classic: 3% plus 3 trading days. Instant: 1% plus 6% profit target, 25% or lower Consistency Score, 5 winning days.
KYC
KYC verification is required before your first payout. For some payment methods you also need to sign a contract.
Rise • Skrill • Crypto (USDT/USDC)
Available Markets & Dynamic Leverage
Forex (57 pairs)
EURUSD, GBPUSD, USDJPY, AUDUSD, EURJPY, USDCAD, USDCHF, GBPJPY, EURGBP, NZDUSD & 47 more. Max exposure: $20M per pair (forex group).
Metals (4 instruments)
XAUUSD, XAGUSD, XAUEUR, XAGEUR. Max exposure: $3M (~11 lots XAUUSD).
Indices (14 instruments)
US 30, US 100, US 500, GERMANY 40, UK 100, JAPAN 225, FRANCE 40 + 7 more. Max exposure: $2M (~100 lots US 100).
Energies (3 instruments)
WTI, BRENT, NATGAS. Max exposure: $1M (~13 lots WTI).
Cryptocurrencies (5 instruments)
BTCUSD, ETHUSD, XRPUSD, BCHUSD, DSHUSD. Weekend trading allowed. Max exposure: $500K (~5 lots BTCUSD).
Commissions (rank-based)
Forex & Metals (per round turn lot)
Rank 0 (Default): $6 • Rank 2+: $3 • Rank 4+: $1 • Rank 6: $0
Indices, Cryptocurrencies, Energies
Commission-free at all ranks.
Restricted Countries
Highlights
cTrader Native
Purpose-built on cTrader — full cBots, plugins & Open API support
Rank-Based Splits
70% → 99% via the XP Experience Program
Multiple Modes
Consistency, Endurance, Classic × 3 formats + Instant
Expert Review & Ratings
PipFarm has built a cTrader-native prop firm with a profit split system that actually rewards traders who stick around. The choice model is the appeal: pick Instant or Standard, pick your mode, pick your format. You end up with a setup that matches your trading, not whatever boxed product the firm decided to sell. The XP Experience Program is the headline feature. Profit split, drawdown, and per-lot commission all improve as you rank up. At Rank 6 you're sitting on a 99% split and zero commission on FX and metals. Trustpilot has the firm at 4.0 across 380 reviews.
Summary
PipFarm is a cTrader-native prop firm based in Singapore that launched in 2023. The product splits into two paths: Instant accounts get you on a sim-funded account immediately with no evaluation, and Standard challenges run through an evaluation phase in your choice of three modes (Consistency, Endurance, Classic) and three formats (1-Stage Static, 1-Stage Trailing, 2-Stage Static). What sets PipFarm apart is the XP Experience Program. Profit split starts at 70% and climbs to 99% by Rank 6, with daily loss, max drawdown, and per-lot commissions all improving at higher ranks. Consistency Mode earns double XP, which is a genuine reason to trade with one firm long-term. Payouts run through Rise, Skrill, and crypto with a 30-day default cycle, plus bi-weekly and weekly add-ons. Trustpilot sits at 4.0 across 380 reviews. The rule book is published in full, dynamic leverage caps scale with exposure, and the live on-chain payout tracker on this page shows real RISEPAY transactions you can verify yourself.
Deep Dive
More About PipFarm
Is PipFarm Legit?
PipFarm is a registered Singapore prop firm that launched in 2023. The firm holds a 4.0 Trustpilot rating across 380 reviews at the time of writing, and you can pull up real on-chain payout data through the RISEPAY tracker on this page. Every transaction PipFarm has paid through Rise in the last 30 days shows up there, which is the kind of public verification you rarely see in the prop firm space. The platform stack is cTrader-only, which keeps things simple and removes the cross-platform headaches you run into elsewhere. KYC is required before your first payout, which is standard practice. The rule book is published in full detail rather than buried in a terms-of-service link, and the XP Experience Program gives you a clear path to better trading conditions the longer you trade with PipFarm.
PipFarm vs Other Forex Prop Firms
PipFarm vs FTMO: FTMO has been operating since 2014 with a 90% profit split on funded accounts. PipFarm takes a different angle with a rank-based split that climbs to 99% at Rank 6 and a cTrader-native platform stack. Pricing is another point of difference: the GUIDE code drops Instant prices by half and Standard challenges by 30%.
PipFarm vs FundingPips: FundingPips runs a fixed set of evaluation programs while PipFarm layers modes (Consistency, Endurance, Classic) on top of formats (1-Stage Static, 1-Stage Trailing, 2-Stage Static). PipFarm gives you more granularity in the rule set, with rank-based progression unlocking better economics over time.
PipFarm vs Alpha Capital: Alpha Capital offers 1-Step, 2-Step, and 3-Step evaluations with a fixed 80% split. PipFarm adds Instant accounts on top of a multi-mode Standard lineup and uses rank-based splits that climb to 99%. The economics improve as you build XP, which rewards traders who stick with the firm.
PipFarm Frequently Asked Questions
What is the profit split at PipFarm?
PipFarm uses a rank-based profit split tied to the XP Experience Program. New traders start at 70% (Rank 0). Each rank up increases the split: 75% (Rank 1, 10 XP), 80% (Rank 2, 25 XP), 85% (Rank 3, 50 XP), 90% (Rank 4, 100 XP), 95% (Rank 5, 200 XP), and 99% (Rank 6, 300 XP). XP is earned for passing challenges, receiving payouts, and scaling. Consistency Mode accounts earn double XP.
What programs does PipFarm offer?
Two programs. Instant accounts are funded immediately with no evaluation, available in EOD Trailing, Payout Trailing, or Equity Trailing formats from $2,500 to $150,000. Standard challenges come in three modes (Consistency, Endurance, Classic) and three formats (1-Stage Static, 1-Stage Trailing, 2-Stage Static), sized $5,000 to $150,000.
How do PipFarm payouts work?
Payouts are request-based and manually reviewed within 2 business days, then paid within 2 business days. Default interval is every 30 calendar days. Bi-weekly (14 days) is a +10% add-on; weekly (7 days) is a +25% add-on. Payouts come via Rise, Skrill, or Crypto (USDT/USDC). Each payout is capped at 6–12% of account balance for challenge-promoted accounts (3–6% for Instant), plus a fixed $5,000 hard cap.
What platform does PipFarm support?
cTrader. Automation is fully supported through cTrader Automate (cBots), cTrader Plugins, the cTrader Open API, and trade copiers (TradersConnect, Duplikium, HeronCopier, Tradesyncer). Bots purchased from cTrader cBot marketplaces or MQL5 Market are not permitted — your strategy must be your own.
What is the maximum allocation at PipFarm?
Up to 5 funded accounts from challenges with a combined cap of $300,000. Up to 3 Instant accounts also capped at $300,000 combined. Challenges have no limit on how many you can run at once. Scaling-program funding is exempt from these caps.
What discount code is active?
GUIDE applies 50% off all Instant accounts and 30% off all Standard challenges (Consistency, Endurance, Classic in any format). Same code on both. The discount on the table above is already applied.
What happens if I hit margin call?
If your margin level falls to 100% and cTrader auto-closes positions, this triggers a Stop Out Violation — treated as a hard breach. The account is terminated immediately and cannot be appealed or protected. This applies to all accounts created on or after 9 March 2026. Set up cTrader margin level alerts and avoid concentrated exposure to prevent hitting it.
Featured in Our Blog
Read more about prop trading in our latest articles: