Sixteen routes to funding — Instant, Standard and Pay with Profits, across Consistency, Endurance and Classic modes, with splits to 99%.
Trading Platforms
cTraderPayout Methods
Riseworks
Skrill
CryptoAbout PipFarm
PipFarm has been running out of Singapore since July 2023 under James Glyde, on cTrader and nothing else. That focus pays off if you already trade there — cTrader Automate, Plugins and the Open API are all supported, and third-party copiers like TradersConnect and Duplikium are explicitly allowed between your own accounts. Payouts settle through Rise, Skrill, crypto or bank transfer. It holds — on Trustpilot.
Three ways in. Instant skips the evaluation and funds you immediately, in EOD Trailing, Payout Trailing or Equity Trailing form — 4%, 5% or 6% of max loss respectively, no daily limit at all, and payouts every 7 days. Standard runs a proper evaluation in Consistency, Endurance or Classic mode, each in three formats, on a 30-day payout cycle. Pay with Profits defers most of the cost: a small admission fee now, a one-off fee from your first payout later.
The XP system is what makes PipFarm different, and it needs reading carefully. Every account starts on a 70% split, which is low. You earn XP by passing challenges, taking payouts, scaling and completing quests, and each rank lifts the ceiling: 75% at 10 XP, 80% at 25, 85% at 50, 90% at 100, 95% at 200 and 99% at 300. Consistency Mode earns double. But the split unlocks one level per payout rather than the moment you rank up, so your first payout pays 70% no matter what your XP total says, your second 75%, your third 80%. Buying cheap challenges to farm XP will not skip the steps.
Rank does more than the split. Commission falls from $6 a lot to $3 at Rank 2, $1 at Rank 4 and nothing at Rank 6. Forex leverage rises from 1:30 to 1:50 at Rank 3. The daily loss allowance goes from 3% to 4% at Rank 4, and every max-loss figure gains a point at Rank 2. Each new rank also pays a gift voucher worth $25 up to $500 toward more accounts.
Pay with Profits works on a different logic. The limits are the widest PipFarm offers — 10% static max loss, 5% daily, 3% max risk — and how much of that room you use during the challenge sets your Risk Tier. Finish in the Very Low tier and you pay a 1.0% fee and keep 90%; finish in Very High and it is 3.0% and 50%. The tier locks when you pass. Rank benefits do not apply here, and there is no Pip Protector: hitting 3% max risk is an immediate breach with no strikes.
Leverage is the constraint most traders notice first. Forex runs at 1:30 and steps down as your net exposure to a symbol grows — 1:15 past $5M, 1:10 past $10M. Metals and oil halve to 1:10 once funded. Crypto is 1:2 throughout. Risk is also assessed per trade idea rather than per position, so layered entries and correlated instruments are aggregated: long NAS100, US30 and SPX500 together counts as one.
Payouts default to 30 days on the Standard and Pay with Profits ranges, which is slower than most, and shortening it costs money — 10% more for bi-weekly, 25% for weekly. Instant accounts pay every 7 days as standard. Across multiple funded accounts you can only withdraw once every 7 days regardless. Allocation caps at $300,000 combined across five funded challenge accounts or three Instant accounts, with scaling funding exempt and the scaling ceiling at $1,740,000.
Programs & Modes
Instant - EOD Trailing
Funded from day one with no evaluation, in three drawdown formats: EOD Trailing at 4%, Payout Trailing at 5% and Equity Trailing at 6%. Before your first payout you need a 6% profit target, a 25% consistency score and 5 winning days. Pip Protector caps risk at 2% per session on a three-strike basis. Max loss trails your end-of-day balance at 4%. Sizes 2.5K through 150K, from $25.00.
Profit Split: 70% → 99% by XP rank
Target 6% | Max Loss 4% (EOD Trailing) | Daily 3% | Leverage 1:30 | Min 5 days | Payouts 30 Days
Instant - Payout Trailing
Funded from day one with no evaluation, in three drawdown formats: EOD Trailing at 4%, Payout Trailing at 5% and Equity Trailing at 6%. Before your first payout you need a 6% profit target, a 25% consistency score and 5 winning days. Pip Protector caps risk at 2% per session on a three-strike basis. Max loss trails to your last payout at 5%. Sizes 2.5K through 150K, from $25.00.
Profit Split: 70% → 99% by XP rank
Target 6% | Max Loss 5% (Payout Trailing) | Daily 3% | Leverage 1:30 | Min 5 days | Payouts 30 Days
Instant - Equity Trailing
Funded from day one with no evaluation, in three drawdown formats: EOD Trailing at 4%, Payout Trailing at 5% and Equity Trailing at 6%. Before your first payout you need a 6% profit target, a 25% consistency score and 5 winning days. Pip Protector caps risk at 2% per session on a three-strike basis. Max loss trails your equity high at 6%. Sizes 2.5K through 150K, from $25.00.
Profit Split: 70% → 99% by XP rank
Target 6% | Max Loss 6% (Equity Trailing) | Daily 3% | Leverage 1:30 | Min 5 days | Payouts 30 Days
Consistency - 1-Stage Static
The mode built around steady performance and the best-value tier. 12% target on the 1-Stage formats or 6% then 6% on 2-Stage, with a 35% consistency score and a 1% minimum payout. It earns double XP on passes, payouts and scaling, so it climbs the split ladder fastest. One stage, 6% static max loss. Sizes 5K through 150K, from $17.50.
Profit Split: 70% → 99% by XP rank
Target 12% | Max Loss 6% (Static) | Daily 3% | Leverage 1:30 | Min None | Payouts 30 Days
Consistency - 1-Stage Trailing
The mode built around steady performance and the best-value tier. 12% target on the 1-Stage formats or 6% then 6% on 2-Stage, with a 35% consistency score and a 1% minimum payout. It earns double XP on passes, payouts and scaling, so it climbs the split ladder fastest. One stage, 9% balance-trailing max loss. Sizes 5K through 150K, from $17.50.
Profit Split: 70% → 99% by XP rank
Target 12% | Max Loss 9% (Trailing) | Daily 3% | Leverage 1:30 | Min None | Payouts 30 Days
Consistency - 2-Stage Static
The mode built around steady performance and the best-value tier. 12% target on the 1-Stage formats or 6% then 6% on 2-Stage, with a 35% consistency score and a 1% minimum payout. It earns double XP on passes, payouts and scaling, so it climbs the split ladder fastest. Two stages, 8-9% static max loss. Sizes 5K through 150K, from $17.50.
Profit Split: 70% → 99% by XP rank
Target 6% - 6% | Max Loss 8% (Static) | Daily 3% | Leverage 1:30 | Min None | Payouts 30 Days
Endurance - 1-Stage Static
Built around profitable days rather than a single good run. 12% target on 1-Stage or 8% then 5% on 2-Stage, needing 3 profitable days at 0.5% each and a 2% minimum payout. The most popular Standard mode here. One stage, 6% static max loss. Sizes 5K through 150K, from $21.00.
Profit Split: 70% → 99% by XP rank
Target 12% | Max Loss 6% (Static) | Daily 3% | Leverage 1:30 | Min 3 days | Payouts 30 Days
Endurance - 1-Stage Trailing
Built around profitable days rather than a single good run. 12% target on 1-Stage or 8% then 5% on 2-Stage, needing 3 profitable days at 0.5% each and a 2% minimum payout. The most popular Standard mode here. One stage, 9% balance-trailing max loss. Sizes 5K through 150K, from $21.00.
Profit Split: 70% → 99% by XP rank
Target 12% | Max Loss 9% (Trailing) | Daily 3% | Leverage 1:30 | Min 3 days | Payouts 30 Days
Endurance - 2-Stage Static
Built around profitable days rather than a single good run. 12% target on 1-Stage or 8% then 5% on 2-Stage, needing 3 profitable days at 0.5% each and a 2% minimum payout. The most popular Standard mode here. Two stages, 8-9% static max loss. Sizes 5K through 150K, from $21.00.
Profit Split: 70% → 99% by XP rank
Target 8% - 5% | Max Loss 8% (Static) | Daily 3% | Leverage 1:30 | Min 3 days | Payouts 30 Days
Classic - 1-Stage Static
The straightforward route with the loosest payout conditions. 12% target on 1-Stage or 9% then 6% on 2-Stage, needing 3 trading days and a 3% minimum payout, with no mode-specific consistency requirement during the evaluation. One stage, 6% static max loss. Sizes 5K through 150K, from $24.50.
Profit Split: 70% → 99% by XP rank
Target 12% | Max Loss 6% (Static) | Daily 3% | Leverage 1:30 | Min 3 days | Payouts 30 Days
Classic - 1-Stage Trailing
The straightforward route with the loosest payout conditions. 12% target on 1-Stage or 9% then 6% on 2-Stage, needing 3 trading days and a 3% minimum payout, with no mode-specific consistency requirement during the evaluation. One stage, 9% balance-trailing max loss. Sizes 5K through 150K, from $24.50.
Profit Split: 70% → 99% by XP rank
Target 12% | Max Loss 9% (Trailing) | Daily 3% | Leverage 1:30 | Min 3 days | Payouts 30 Days
Classic - 2-Stage Static
The straightforward route with the loosest payout conditions. 12% target on 1-Stage or 9% then 6% on 2-Stage, needing 3 trading days and a 3% minimum payout, with no mode-specific consistency requirement during the evaluation. Two stages, 8-9% static max loss. Sizes 5K through 150K, from $24.50.
Profit Split: 70% → 99% by XP rank
Target 9% - 6% | Max Loss 9% (Static) | Daily 3% | Leverage 1:30 | Min 3 days | Payouts 30 Days
PWP Consistency - 1-Stage Static
One 12% step under a 10% static drawdown and a 5% daily loss — the widest limits on the firm. A 35% consistency score is the only gate, with no minimum days. Admission fee from $7.70, with the one-off PWP fee taken from your first payout. Sizes 5K through 150K.
Profit Split: 50% to 90% by Risk Tier
Target 12% | Max Loss 10% (Static) | Daily 5% | Leverage 1:30 | Min None | Payouts 30 Days
PWP Consistency - 2-Stage Static
6% then 6% under the same 10% static drawdown and 5% daily loss. The cheapest way into PipFarm at any size. Admission fee from $4.90, with the one-off PWP fee taken from your first payout. Sizes 5K through 150K.
Profit Split: 50% to 90% by Risk Tier
Target 6% - 6% | Max Loss 10% (Static) | Daily 5% | Leverage 1:30 | Min None | Payouts 30 Days
PWP Endurance - 1-Stage Static
One 12% step under 10% static and 5% daily, needing five profitable days at 0.5% each and a 2% minimum payout. Admission fee from $9.80, with the one-off PWP fee taken from your first payout. Sizes 5K through 150K.
Profit Split: 50% to 90% by Risk Tier
Target 12% | Max Loss 10% (Static) | Daily 5% | Leverage 1:30 | Min 5 days | Payouts 30 Days
PWP Endurance - 2-Stage Static
8% then 5% under 10% static and 5% daily, needing three profitable days rather than five. Admission fee from $6.30, with the one-off PWP fee taken from your first payout. Sizes 5K through 150K.
Profit Split: 50% to 90% by Risk Tier
Target 8% - 5% | Max Loss 10% (Static) | Daily 5% | Leverage 1:30 | Min 3 days | Payouts 30 Days
Profit Split & Payouts
Payouts run on a 30-day cycle by default, which is slower than most. A bi-weekly cycle costs an extra 10% on the challenge fee and weekly an extra 25%, and even then you can only take one payout every 7 days across all your funded accounts. The split starts at 70% and climbs by XP rank to 99%, so what you actually earn depends on how long you stay. Each mode sets its own payout bar: Consistency wants 1% and a 35% consistency score, Endurance 2% and 3 profitable days, Classic 3% and 3 trading days, and Instant 1% plus a 6% target, a 25% score and 5 winning days.
Platforms & Leverage
Trade on cTrader — the only platform PipFarm offers, and the reason its automation support runs deeper than most. Leverage is dynamic: forex starts at 1:30 and falls to 1:15 past $5M of net exposure and 1:10 past $10M. Metals and oil run 1:20 during the challenge and 1:10 once funded, indices stay at 1:20, and crypto is 1:2 throughout. Reaching Rank 3 lifts the forex ceiling to 1:50, though the dynamic reduction still applies on top.
| Asset | Challenge | Funded / Instant |
|---|---|---|
| Forex | ||
| Metals | ||
| Indices | ||
| Oil | ||
| Crypto |
Commissions
| XP Rank | Commission |
|---|---|
| Rank 0 – 1 | $6 per lot |
| Rank 2 – 3 | $3 per lot |
| Rank 4 – 5 | $1 per lot |
| Rank 6 | No commission |
Restricted Countries
| Size | Program | Profit Target | Max Loss | Daily Loss | Drawdown | Profit Split | Payout | Loyalty | Activation Fee | Price |
|---|
GUIDE — 50% Off Instant
50% off every Instant account — EOD Trailing, Payout Trailing or Equity Trailing — from $2.5K to $150K.
GUIDE — 30% Off Everything
30% off every PipFarm account, Standard and Instant alike. Instant accounts take the 50% deal above instead, since it is the better of the two.
News Trading Allowed
Fully allowed with no restrictions on opening or closing around any scheduled release, in every stage. Repeatedly placing maximum-size positions just before major events may still be flagged as speculative under the toxic trading policy.
Overnight & Weekend Holding Allowed
Allowed on challenges and funded accounts, including weekend crypto trading. Swaps are charged at 22:00 GMT (21:00 during US daylight saving), with triple swap on Wednesdays for FX and metals and Fridays for indices and energy.
Automated Trading Allowed
EAs, bots and algorithmic strategies are allowed on every account, through cTrader Automate, cTrader Plugins, the cTrader Open API, or any external tool connecting via Open API or FIX. The strategy must be your own — you can hire a developer to build it, but ready-made bots from cBot marketplaces, MQL5 Market or any third-party vendor are not permitted. PipFarm can ask how your strategy works and where it came from.
Trade Copiers Allowed
Third-party copiers such as TradersConnect, Duplikium, HeronCopier and Tradesyncer are permitted for copying between your own accounts. Your PipFarm account can be leader or follower, including with broker and other prop firm accounts, and funded-to-challenge in either direction. Copying another person is prohibited and terminates the account.
Hedging Allowed
Allowed within a single account, on the same instrument or correlated ones.
Rank Power-Ups Allowed
Every rank improves the account. Commission falls from $6 per lot to $3 at Rank 2, $1 at Rank 4 and nothing at Rank 6. Max forex leverage rises to 1:50 at Rank 3. Daily loss goes from 3% to 4% at Rank 4, and max loss gains 1% from Rank 2. The scaling increment climbs from 10% to 60%, and each new rank pays a gift voucher from $25 to $500.
Power-Ups Allowed
Earned from promotions, coupons and events, and activated from the Power-Up Chest. Shield adds 1% to the daily loss limit for the day, Armour adds 1% to max loss until breakeven, Invincibility blocks balance breaches for a day, Respawn restarts a failed challenge, Checkpoint restarts from the balance at a daily-loss breach, Rewind erases a day, Erase deletes the last trade, Shortcut completes a profitable day on Classic and Endurance, Boost adds 1% to the balance, Gold Rush triggers an on-demand payout up to $1,000 gross, and Imposter pays one payout at 99% regardless of rank. Most apply to challenge accounts only.
Spending XP Allowed
XP can be spent at checkout on challenges and add-ons at $2.50 each, up to 50% of the purchase price, or 25% of the admission fee on Pay with Profits. Spending drops your balance, and falling below your rank threshold demotes you and strips those benefits from funded accounts immediately. An order paid with XP earns none.
Profit Split (XP Experience Program) Restricted
Rank 0 pays 70%, then 75% at 10 XP, 80% at 25, 85% at 50, 90% at 100, 95% at 200 and 99% at 300 XP. XP comes from milestones (starting a program, passing stages, KYC, scaling, payouts), quests, and 3 XP for referring a friend. Consistency Mode earns double XP on most milestones, and there is a 20 XP monthly cap on the start-a-program milestone.
Unlocking Profit Share by Rank Restricted
Reaching a rank does not immediately pay at that rank. Your payout profit share climbs one level per payout, up to your current rank’s cap — first payout at 70%, second at 75%, third at 80% and so on. Buying cheap challenges to farm XP will not skip the steps, and PipFarm can postpone a promotion it judges was artificially inflated ahead of a payout.
Pay with Profits (PWP) Restricted
A payment model rather than a different rulebook, available in Consistency and Endurance modes, 1-Stage and 2-Stage, from $5,000 to $150,000. You pay a small Admission Fee to start — the price shown in the table, a fraction of the standard challenge price — then a one-off PWP Fee taken from the gross profit of your first payout before your share is applied. Every payout after that is clean. Limits are the widest PipFarm offers: 10% static max loss, 5% daily, 3% Max Risk. XP can cover up to 25% of the Admission Fee, against 50% on standard challenges.
PWP Risk Tiers Restricted
How you use the limits during the challenge sets your tier, taken from the worse of your Max Loss usage and your Max Risk usage. Very Low pays a 1.0% fee and a 90% share, Low 1.5% and 80%, Moderate 2.0% and 70%, High 2.5% and 60%, Very High 3.0% and 50%. The tier locks when you pass. You may move up to a wider tier at that point, for a bigger fee and a smaller share, but never down.
Max Daily Loss Restricted
3% of your EOD reference by default, rising to 4% at Rank 4. The EOD reference is the higher of your previous end-of-day balance or equity, so the limit recalculates every day. A new trading day begins at 22:00 GMT (21:00 during US daylight saving). Instant accounts have no daily loss limit at all.
Static Max Loss Restricted
Fixed at the start and never moves: 6% of the starting balance on the one-stage challenge (7% at Rank 2+), 9% on the two-stage Classic (10%), and 8% on two-stage Endurance and Consistency (9%).
Balance Trailing Max Loss Restricted
One-stage challenges only. Sits 9% below your balance high watermark, or 10% from Rank 2. Only closed trades move the watermark — floating equity does not. At payout the withdrawal is deducted from the high watermark, so the full buffer is preserved.
Instant Account Max Loss Restricted
EOD Trailing sits 4% below your end-of-day high watermark and only steps up at the close. Equity Trailing sits 6% below your equity high watermark and follows it in real time. Payout Trailing starts at 5% of the starting balance and shrinks permanently by your share of every payout until it locks at zero. Each gains 1% at Rank 2.
Consistency Score Restricted
Best trading day divided by total profit. Consistency Mode needs 35% or lower and Instant accounts 25% or lower. From 9 April 2026, funded Classic and Endurance accounts also need 50% to qualify for payouts. Splitting one trade idea across days to game the score is prohibited.
Payout Requirements by Mode Restricted
Consistency needs 1% minimum payout and a 35% consistency score. Endurance needs 2% and its minimum profitable days, each worth at least 0.5% of the initial balance. Classic needs 3% and 3 trading days, skippable with the Skip Minimum Trading Days add-on. Instant needs 1%, a 6% payout target, a 25% consistency score and 5 winning days at 0.25% or more.
Payout Caps Restricted
Every payout is capped twice. Challenge-promoted accounts start at 6% of balance and rise to 8%, 10% and then 12% from the fourth payout. Instant accounts start at 3% and rise to 4%, 5% and 6%. On top of that sits a hard cap of $5,000 gross on any single payout, whichever is lower. Profit above the cap stays in the account for later.
Pip Protector — Max Risk Restricted
Limits combined realised and unrealised loss inside a Risk Window to 2% of the starting balance, or 1% on 50K, 100K and 150K Instant accounts created from 13 June 2026. A Risk Window opens on your first position and only resets after 60 continuous minutes flat. Hitting the limit closes all positions and records a strike; each strike halves the allowance and the third terminates the account.
Trade Idea & Max Risk per Idea Restricted
Positions on the same symbol that overlap, or reopen within 60 minutes of closing, count as one trade idea regardless of direction. On accounts created before 9 March 2026 the limit is 2% of the initial balance on Instant and 3% on one- and two-stage challenges, measured on peak unrealised loss as well as realised.
Time Limit Restricted
Chosen at checkout for accounts bought from 9 April 2026: 90 days as standard, or 180 and 360 days through the Extended Time Limit add-on at +10% and +20%. The clock resets on stage progression and, on funded accounts, after every payout. Accounts bought earlier run 365 days per stage. Every account has a hard maximum lifetime of 360 days.
Inactivity Restricted
Close at least one trade every 28 days, at every stage. Size and duration do not matter. A warning email goes out three days before the deadline.
Scaling Restricted
Simple Scaling applies to all modes funded from 9 April 2026: four payouts or a 12% target triggers a scale-up, adding 10% to 60% of the initial balance depending on rank, to a maximum of $1,740,000. Endurance and Consistency accounts funded earlier use Smart Scaling, where previous withdrawals count toward the 12% target. Instant accounts do not scale.
Dynamic Leverage Restricted
Applied per symbol and stepped down as net exposure to that symbol grows. Challenges: forex 1:30 to $5M then 1:15 and 1:10, metals 1:20 to $250K then 1:10 and 1:5, indices 1:20 to $500K then 1:10 and 1:5, oil 1:20 to $100K then 1:5, crypto 1:2 to $100K then 1:1. Funded and Instant start metals and oil at 1:10. Rank 3 lifts the forex ceiling to 1:50. Accounts under $100K rarely hit a tier change.
Maximum Exposure Limits Restricted
Capped per symbol: forex $20M, metals $3M, indices $2M, oil $1M and crypto $500K.
Gap Trading Restricted
Profit from a gap of 0.2% or more is deducted, on challenges and funded accounts alike. This is a soft breach — you are not disqualified, and profit earned before or after the gap is untouched.
Maximum Allocation Restricted
Up to 5 funded accounts from challenges, capped at $300,000 combined, and up to 3 Instant accounts, also capped at $300,000 combined. Challenges themselves have no limit and scaling funding is exempt.
KYC Verification Restricted
Required before your first payout. Some payment methods also need a signed contract. Passing KYC is worth 2 XP, once.
PWP Max Risk — No Pip Protector Prohibited
Pay with Profits does not use the three-strike Pip Protector. The mechanic is the same — Reference Balance, Risk Window, 60-minute cooldown — but reaching the 3% Max Risk limit is an immediate breach on the challenge and on the funded account alike. One breach terminates the account, with no warning or escalation.
Stop Out Violation Prohibited
If your margin level falls to 100% and cTrader auto-closes your positions, the account is terminated immediately, regardless of where you stand against max loss or daily loss. It is irreversible, cannot be appealed, is not protected by Power-Ups, and does not consume a Pip Protector strike. Applies to every account created on or after 9 March 2026.
Cross-Account Hedging Prohibited
Hedging the same or correlated instruments across two or more accounts — your own, another PipFarm user’s, or accounts at other firms — is toxic trading and brings immediate permanent disqualification from every account involved.
High-Frequency Trading Prohibited
Automated strategies firing dozens or hundreds of orders in seconds, holding trades under a second repeatedly, tick-level scalping, scripted news-spike harvesting, or EAs built to exploit latency and slippage. Profits may be removed and the account terminated. Manual scalping, swing and intraday trading are fine.
Toxic Trading Behaviour Prohibited
Assessed on behaviour rather than results, and can place the account on probation. PipFarm publishes no martingale or grid rule, but the behaviours it names cover the same ground: aggressively averaging into losing positions, recovery-style execution with escalating margin, and maxing out margin then scaling in on floating equity. Also listed are account churning, repeatedly being forced out by low margin, risking the full daily allowance on one idea or correlated instruments, and repeatedly placing maximum-size trades just before major news.
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.
70% profit split rising to 99% through XP ranks • Minimum 1–3% of balance depending on mode • Paid by Rise, Skrill, crypto or bank transfer
Profit Split — XP Ranks
Starts at 70% and reaches 99% at Rank 6. The catch is that it unlocks one level per payout rather than the moment you rank up, so your first payout is at 70% whatever your XP total says.
Payout Interval
Instant accounts pay every 7 days. Challenge-promoted accounts run a 30-day cycle by default, with bi-weekly at +10% and weekly at +25%. Across multiple funded accounts you can still only take one payout every 7 days.
Payout Caps
Challenge-promoted accounts are capped at 6% of balance on the first payout, then 8%, 10% and 12% from the fourth. Instant accounts start at 3% and rise to 4%, 5% and 6%. A hard cap of $5,000 gross applies to every payout regardless, and profit above the cap stays in the account.
Minimum Payout
Consistency 1% of balance with a 35% consistency score. Endurance 2% with its profitable-day requirement. Classic 3% with 3 trading days. Instant 1% with a 6% payout target, a 25% consistency score and 5 winning days.
Scaling
Four payouts or a 12% target triggers a scale-up worth 10% to 60% of the initial balance depending on rank, to a maximum of $1,740,000. Instant accounts do not scale.
Pay with Profits Fee
On PWP accounts the one-off PWP fee is deducted from the gross profit of your first payout, before your profit share is applied. Later payouts carry no further deduction. The fee is a percentage of your initial balance set by your Risk Tier, which also sets your profit share.
Payout Methods
Rise, Skrill, crypto or bank transfer. KYC must be completed before your first withdrawal.
Available Markets & Leverage
Forex
Metals
Indices
Oil
Crypto
Commissions
Rank 0 – 1
$6 per lot
Rank 2 – 3
$3 per lot
Rank 4 – 5
$1 per lot
Rank 6
No commission
Trader Reviews 0
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PipFarm Reviews & Ratings
Rated by our community & expert team
PipFarm is a Singapore firm that runs entirely on cTrader and sells sixteen versions of the same idea. Instant funds you on purchase in three drawdown formats. Standard runs an evaluation in Consistency, Endurance or Classic mode. Pay with Profits charges a small admission fee — $4.90 with our code — and takes the rest out of your first payout. The split is the part worth understanding. Everyone starts at 70% and climbs to 99% by earning XP, but it unlocks one step per payout, so your first withdrawal pays 70% whatever your rank says. That structure rewards staying put and cannot be rushed. Two things to weigh before buying: forex leverage is 1:30 and falls further as your position grows, and a margin stop-out at 100% terminates the account with no appeal and no Power-Up protection.
Summary
A Singapore firm trading since July 2023, running sixteen program variations on cTrader in sizes from $2,500 to $150,000. Splits start at 70% and reach 99% through XP ranks. Payouts settle by Rise, Skrill, crypto or bank transfer. It holds — on Trustpilot.
Entry is $4.90 with our code — 30% off everything, or 50% off Instant accounts. Pay with Profits is the cheapest door: a small admission fee now and a one-off fee from your first payout, with the widest limits PipFarm offers while your Risk Tier is being decided.
Read the split mechanics before you commit. 99% is real but it unlocks one rank per payout, so early withdrawals pay 70% regardless of how much XP you hold. And forex leverage is 1:30, reducing further as your exposure grows — this is not a firm for high-leverage sizing.
Deep Dive
More About PipFarm
Is PipFarm Legit?
Yes. PipFarm has traded from Singapore since July 2023 under James Glyde, giving it three years of record, and it holds — on Trustpilot. What stands out is how the rules are published: dated, specific, and with the awkward parts stated rather than buried. The stop-out rule carries a start date of 9 March 2026. The 50% consistency requirement on funded Classic and Endurance accounts applies from 9 April 2026. Firms that timestamp their rule changes are usually the ones worth trusting.
The XP split is the honest centre of the offer. Starting at 70% is below market and PipFarm does not pretend otherwise. What it sells instead is a documented path to 99% tied to things you control: passing challenges, taking payouts, scaling, completing quests. Consistency Mode earns double XP. The part people miss is that the split unlocks one level per payout, so a trader who buys ten cheap challenges to reach Rank 6 still gets 70% on their first withdrawal. Over a year that structure pays well. For a single challenge it does not.
Most accounts that fail here do not fail on the profit target. A margin level of 100% triggers cTrader to close your positions, and PipFarm treats that as an immediate hard breach — no appeal, no Pip Protector strike consumed, no Power-Up protection. It applies to every account created from 9 March 2026, and it is entirely separate from your max loss and daily loss limits. You can breach it while comfortably inside both.
Leverage works differently from most firms and shapes strategy more than any written rule. Forex starts at 1:30 and reduces as your net exposure to a symbol grows — 1:15 past $5M, 1:10 past $10M. Metals and oil halve once funded. Reaching Rank 3 lifts the forex ceiling to 1:50, but the dynamic reduction still applies on top. Risk is measured per trade idea, so splitting a position across NAS100, US30 and SPX500 does not reduce what PipFarm counts.
Pay with Profits deserves separate consideration because the economics differ. You pay a fraction up front and settle the rest from your first payout, with the widest limits on the firm while your Risk Tier is decided. Trade conservatively and you land in the Very Low tier: a 1.0% fee and a 90% share, better than anything the XP ladder offers early on. Trade loosely and you land in Very High at 3.0% and 50%. There is no Pip Protector on PWP, so reaching 3% max risk ends the account outright.
The payout cycle is slower than the market norm at 30 days on Standard and PWP, and shortening it costs 10% or 25% on the fee. Instant accounts pay every 7 days without an add-on. Holding several funded accounts does not help either — you can still only withdraw once every 7 days across all of them, and every payout is capped at $5,000 gross regardless of account size.
Worth knowing before you commit: PipFarm does not accept traders from the United States, the inactivity window is 28 days with a warning email three days before, and while EAs are allowed the strategy has to be yours. Bots bought from the cBot marketplace or MQL5 are not permitted, and PipFarm can ask how your automation was built.
PipFarm vs Other Forex Prop Firms
PipFarm vs Goat Funded Trader: Both make you climb for the best terms. Goat runs four scaling levels that add 50% capital and a monthly salary at the top, across eight routes and several platforms, but bans copy trading outright. PipFarm lifts the split from 70% toward 99% through XP ranks that also cut commission to zero — except ranks unlock one level per payout, so the headline number takes several withdrawals to reach. Sixteen routes here, all of them on cTrader, with third-party copiers explicitly allowed between your own accounts.
PipFarm vs Crypto Fund Trader: Both give you a lot of formats. Crypto Fund Trader spreads across more platforms and deeper crypto coverage; PipFarm goes all-in on cTrader and builds its automation support around it. Leverage decides most of these: PipFarm caps forex at 1:30 and reduces it as exposure grows, which rules out sizing approaches that work elsewhere.
PipFarm vs City Traders Imperium: CTI is the more established name and starts you on a higher split with no ladder to climb. PipFarm answers with cheaper entry, a 99% ceiling CTI does not match, and Pay with Profits, which has no CTI equivalent. Both suit patient traders; CTI gets there through generous drawdown, PipFarm through rank progression that loosens your limits as you climb.
PipFarm Frequently Asked Questions
What programs does PipFarm offer?
Sixteen across three ranges. Instant funds you immediately in three drawdown formats — EOD Trailing, Payout Trailing and Equity Trailing. Standard runs an evaluation in Consistency, Endurance or Classic mode, each as 1-Stage Static, 1-Stage Trailing or 2-Stage Static. Pay with Profits runs Consistency and Endurance in two static formats, charging a small admission fee up front and the rest from your first payout. Sizes run $2,500 to $150,000.
What profit split does PipFarm pay?
It starts at 70% and climbs through XP ranks: 75% at 10 XP, 80% at 25, 85% at 50, 90% at 100, 95% at 200 and 99% at 300. You earn XP by passing challenges, taking payouts, scaling and completing quests, and Consistency Mode earns it at double rate. The catch worth knowing: the split unlocks one level per payout rather than the moment you rank up, so your first payout always pays 70%. Pay with Profits works differently — your split is set by Risk Tier, from 90% down to 50%.
What is Pay with Profits?
A payment model rather than a different rulebook, in Consistency and Endurance modes from $5,000 to $150,000. You pay a small admission fee to start — $79 for a $100,000 Consistency 2-Stage — and a one-off PWP fee later, taken from the gross profit of your first payout before your share is applied. Every payout after that is clean. How much of the 10% max loss and 3% max risk you use during the challenge sets your Risk Tier, which fixes both: Very Low pays a 1.0% fee and keeps 90%, down to Very High at 3.0% and 50%. The tier locks when you pass and you can move up but never down.
How much does a PipFarm account cost?
From $4.90 with our code. It takes 30% off everything or 50% off Instant accounts, whichever is better on the row you pick. A $150,000 Instant runs $475 and a $150,000 Classic challenge $504.
Which PipFarm mode should I choose?
Consistency is cheapest and earns double XP, so it climbs the split ladder fastest, but holds you to a 35% consistency score. Endurance asks for three profitable days at 0.5% each and a 2% minimum payout. Classic has the loosest payout conditions — three trading days, profitable or not, and a 3% minimum — and costs the most. Pay with Profits sits outside all three on price and limits.
How fast does PipFarm pay out?
Instant accounts every 7 days. Standard and Pay with Profits run a 30-day cycle by default, with bi-weekly costing an extra 10% on the fee and weekly an extra 25%. Across multiple funded accounts you can only take one payout every 7 days regardless, and every payout is capped at $5,000 gross. Payments settle through Rise, Skrill, crypto or bank transfer, with KYC required before the first one.
What is the PipFarm consistency score?
Your best trading day divided by total profit. Consistency Mode requires 35% or lower and Instant accounts 25%. Classic and Endurance have no consistency rule during the evaluation, but funded accounts need 50% or lower from 9 April 2026. It never breaches an account — if you are over, you keep trading until later profits bring the ratio back into range.
What leverage does PipFarm offer?
Forex 1:30, metals 1:20 during the challenge and 1:10 once funded, indices 1:20 throughout, oil 1:20 then 1:10, and crypto 1:2. Leverage reduces per symbol as your net exposure grows — forex drops to 1:15 past $5M and 1:10 past $10M. Reaching Rank 3 lifts the forex ceiling to 1:50, though the dynamic reduction still applies.
Are Expert Advisors allowed at PipFarm?
Yes, if the strategy is your own. cTrader Automate, Plugins and the Open API are all supported, and you can hire a developer to build it. Bots bought from cBot marketplaces, MQL5 Market or any third-party vendor are not permitted, and PipFarm can ask how your automation works. Copy trading between your own accounts is allowed in any direction, including to other prop firms and brokers, using copiers like TradersConnect or Duplikium.
What is the PipFarm stop out rule?
If your margin level falls to 100% and cTrader auto-closes your positions, the account is terminated immediately. It cannot be appealed, is not covered by Power-Ups, and does not consume a Pip Protector strike. It governs margin usage rather than losses, so you can breach it while comfortably inside your max loss and daily loss limits. It applies to every account created on or after 9 March 2026.
How many PipFarm accounts can I hold?
Up to five funded accounts from challenges and up to three Instant accounts, each capped at $300,000 combined. Challenges themselves have no limit, and funding gained through the scaling program sits outside both caps — scaling runs to a maximum of $1,740,000.
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