FXIFY vs Instant Funding
Two prop firms, one table. Everything below is taken from what each one publishes on its own site, last read on 2026-09-05. No scores, no ranking.
One, two and three phase programmes, instant funding and a Lightning Challenge, with on-demand first payouts.
Instant, one-phase and micro programmes from $625 to $4M, established in the UK in 2021.
| Detail | FXIFY | Instant Funding |
|---|---|---|
| Challenge Type | One Phase · Two Phase · Three Phase · Instant Funding · Lightning Challenge | Instant Funding · IF1 · One-Phase · One-Phase Micro · IF Micro · IF Evolve · Clarity |
| Profit Split | Up to 90% | 80%, upgradeable to 90% |
| Max Daily Loss | — | One-Phase 5% · IF1 2% · Micro 4% · Instant: none (overall limit only) |
| Max Overall Loss | — | Instant 10%, falling to 5% after 5% profit · One-Phase 10% · IF1 4% · IF Micro 6% · Evolve 4% EOD trailing |
| News Trading | — | Generally allowed; restricted on some products, add-on available |
| Weekend Holding | Allowed | Add-on required on most programmes |
| Payout Time | On demand from the first funded trading day; bi-weekly as an add-on | On demand, weekly or every 14 days by product; first payout 14 days after the first trade on most |
| Scaling Plan | — | Instant account doubles at 10% profit; challenges grow 25% every 90 days |
| Payment Methods | — | Crypto, bank transfer (Rise) |
| Founded | — | 2021 |
| Headquarters | Port Louis, Mauritius (registered); UK office | United Kingdom |
What the figures say
- Profit Split: FXIFY lists Up to 90%; Instant Funding lists 80%, upgradeable to 90%.
- Instant Funding publishes its max daily loss (One-Phase 5% · IF1 2% · Micro 4% · Instant: none (overall limit only)); FXIFY does not state one on the pages we read.
- Instant Funding publishes its max overall loss (Instant 10%, falling to 5% after 5% profit · One-Phase 10% · IF1 4% · IF Micro 6% · Evolve 4% EOD trailing); FXIFY does not state one on the pages we read.
- Instant Funding publishes its news trading (Generally allowed; restricted on some products, add-on available); FXIFY does not state one on the pages we read.
- Weekend Holding: FXIFY lists Allowed; Instant Funding lists Add-on required on most programmes.
- Instant Funding publishes its scaling plan (Instant account doubles at 10% profit; challenges grow 25% every 90 days); FXIFY does not state one on the pages we read.
- Instant Funding publishes its payment methods (Crypto, bank transfer (Rise)); FXIFY does not state one on the pages we read.
- FXIFY also lists Futures.
A figure marked “—” is one that prop firm does not publish on the pages we could read; it is not a zero. Terms differ by country and change often, so confirm on each site before opening an account.
FXIFY: why traders choose it
- Five ways in: one, two and three phase programmes, instant funding and a 5% target Lightning Challenge
- Starting capital from $5,000 to $400,000; futures accounts up to $450,000
- First payout on demand, as early as the first funded trading day
- Choice of static or trailing drawdown
- Hold positions over the weekend
- TradingView, MetaTrader 5 and DXtrade
Instant Funding: why traders choose it
- Seven programmes, from a no-evaluation Instant account to a 24-hour IF1 and micro sizes
- Account sizes from $625 to $4,000,000
- One-Phase: 10% then 5% targets, 5% daily loss, 10% overall loss
- Instant Funding: no daily limit, a 10% overall limit that tightens to 5% once you are 5% up
- 80% split, upgradeable to 90%; the Instant account doubles at 10% profit
- Established in the UK in 2021; $20 million-plus paid out since 2023 by their own count
FXIFY pros
- Programme choice is wider than most; a cautious trader can take three phases with lower targets
- On-demand payouts without waiting for a cycle
- A 5% target Lightning Challenge from $59 for a quick attempt
FXIFY cons
- Daily and overall loss limits are not on the home page; they depend on the programme and drawdown type chosen
- Reaching the 90% split uses paid add-ons
- The registered company is in Mauritius
Instant Funding pros
- A genuine instant-funding route for traders who do not want an evaluation
- Micro programmes for very small budgets
- Rules per programme are published in a comparison table
Instant Funding cons
- Weekend holding needs a paid add-on on most programmes
- First payout on most accounts waits 14 days after the first trade
- Seven programmes with different limits take some reading
About FXIFY
FXIFY offers one, two and three phase evaluations, instant funding and a Lightning Challenge with a 5% target, on capital from $5,000 to $400,000. Payouts are on demand from the first funded day and the performance split reaches 90%. Platforms are TradingView, MetaTrader 5 and DXtrade.
About Instant Funding
Instant Funding, established in the UK in 2021, runs seven programmes from a no-evaluation Instant account to one-phase challenges and micro sizes, on capital from $625 to $4,000,000. The split is 80%, upgradeable to 90%, and platforms are MetaTrader 5, cTrader and Match-Trader.
More comparisons
How this page is put together. Both columns use the same fields as the individual reviews, read from each prop firm's own site. Some links are affiliate links, which may earn Cubie FX a commission at no extra cost to you. Placement is not for sale and nothing here is ranked.