The short version
- Five programs: One Phase, Two Phase (Classic, Standard and Pro), Three Phase, Lightning and Instant Funding, in sizes up to $400,000 on MT5, DXTrade or TradingView.
- The daily loss limit is measured from your balance at 5 PM EST the day before, and equity below it breaches the account.
- One Phase, Two Phase Standard and Lightning use a trailing max drawdown; Two Phase Classic and Pro and Three Phase are static.
- Consistency: 30% on Lightning (evaluation and funded) and 25% on a funded Two Phase Classic account, according to FXIFY's articles. One Phase and Two Phase Standard and Pro have none.
- On the 1, 2 and 3 Phase programs your first payout is on demand, from a $50 minimum, and your fee comes back with it on request. Instant Funding pays every 14 days.
FXIFY's pages don't always agree, and its program pages show one account at a time, so some numbers here come from FXIFY's own comparison articles (May to August 2026). Two differences to know: the Two Phase Classic table says no consistency rule, while FXIFY's articles say 25% on the funded account; and the One Phase page lists 5 minimum trading days, while one FXIFY article says none. Check the plan table at checkout.
The programs at a glance
| Program | Target | Daily | Max loss |
|---|---|---|---|
| One Phase | 10% | 3% | 6% trailing |
| Lightning | 5% | 3% | 4% trailing |
| Two Phase Standard | 10%, then 5% | 4% | 10% trailing |
| Two Phase Classic | 5%, then 10% | 4% | 10% static |
| Two Phase Pro | 4%, then 8% | 4% | 8% static |
| Instant Funding | None | 8% | 8% trailing |
From FXIFY's program pages and its own program guides, checked November 4. Instant Funding is the Standard version. Three Phase uses a static drawdown; FXIFY's guides didn't give us clear targets for it.
- Minimum days: 4 on Two Phase Classic and 5 on One Phase, per their program pages. No time limit on evaluations.
- Lightning: a 7-day window, MT5 only, and a stop loss on every trade. Miss the stop-loss timer and the trade is closed as a soft breach: you lose the trade, not the account.
- Leverage: 30:1 on FX and gold, 10:1 on indices and other commodities, 5:1 on oil and 2:1 on stocks, or up to 50:1 on FX and gold with an add-on.
- Allowed: EAs, holding over the weekend (except on Instant Funding) and trading through news, per FXIFY's program pages. Its homepage also lists martingale and grid as allowed.
Daily loss and drawdown
- Daily loss: set from the balance recorded at the end of the previous day (5 PM EST). If your equity drops below it, open trades included, the account is breached.
- One Phase trailing drawdown: the 6% trails your closed balance until you are 6% up, then locks at your starting balance. It also locks there once a payout is processed.
- Static drawdown: on Two Phase Classic the 10% floor stays fixed below your starting balance, so good days don't pull it up. On Classic it doesn't lock on payout.
- Instant Funding: no evaluation and no target, an 8% daily limit and 8% trailing drawdown on the Standard version, and restrictions on weekend holding.
- Performance Protect: an add-on that lets you withdraw your remaining earnings if you breach the drawdown.
Consistency rules
- Lightning: no single trading day can produce more than 30% of your total profit, on the evaluation and the funded account.
- Two Phase Classic: no rule during the two evaluation steps. Once funded, FXIFY's articles describe a 25% rule that delays your payout if one day makes too much of your profit. The Classic plan table says N/A, so check your dashboard.
- No rule: One Phase, Two Phase Standard and Two Phase Pro, per FXIFY's comparison.
- Instant Funding Lite: payouts open after 10 completed trading days, with trades on at least 5 of them to meet its consistency rule.
Check your numbers
Works out the FXIFY consistency math only. The firm's dashboard is the final word.
Payouts and the fee refund
- First payout: on the 1, 2 and 3 Phase programs you can request it on demand as soon as your first live trade closes. The minimum is $50, and the program pages add 5 minimum trading days.
- After that: once a month, or every two weeks with the bi-weekly add-on. Two Phase Classic runs a 14-day cycle at an 80% split or a 30-day cycle at 100%, and Two Phase Pro a 10-day cycle.
- Instant Funding: every 14 days.
- Split: up to 90% with the add-on, and up to 100% on Two Phase Classic's 30-day cycle.
- Fee back: on the 1, 2 and 3 Phase programs, your purchase fee is reimbursed with your first payout on request.
Recent changes
Questions about FXIFY rules
Does FXIFY have a consistency rule?
On some programs. Lightning has a 30% rule on the evaluation and funded account, and FXIFY's articles describe a 25% rule on a funded Two Phase Classic account. One Phase and Two Phase Standard and Pro have none.
When can I get my first FXIFY payout?
On the 1, 2 and 3 Phase programs, on demand once your first live trade closes, from a $50 minimum; the program pages also list 5 minimum trading days. Instant Funding pays every 14 days.
How is the FXIFY daily loss limit calculated?
From your balance at the end of the previous day, 5 PM EST. If your equity, including open trades, falls below that level, the account is breached.
Can I hold trades over the weekend at FXIFY?
Yes on the evaluation programs. Instant Funding restricts weekend holding.
Can I trade news at FXIFY?
FXIFY's program pages list trading through news as allowed.
Does FXIFY refund the challenge fee?
Yes on the 1, 2 and 3 Phase programs: the fee is reimbursed with your first payout, on request.
Sources
Read on FXIFY's own pages on Nov 4, 2026:
- FXIFY: One Phase ↗
- FXIFY: Two Phase ↗
- FXIFY: Instant Funding ↗
- FXIFY: 1-Step vs 2-Step prop firm challenges (program comparison) ↗
- FXIFY: Lightning vs One Phase ↗
- FXIFY: The best FXIFY program for scalpers ↗
- FXIFY newsroom: Introducing Instant Funding Lite ↗
- FXIFY: homepage (leverage and allowed strategies) ↗
The firm's own page is the final word. Spot a difference? Email hello@propdesknews.com and we'll fix it.