"Is This Firm For You?" (The Persona Match)
Stop the user from guessing. Tell them immediately if they fit.
Yes, join if:
You want maximum programme flexibility
Five programme types — One Phase, Two Phase, Three Phase, Instant Funding, Lightning Challenge — plus customisable add-ons at checkout.
You trade EAs, grid, or martingale
All explicitly permitted. No stop-loss required. Weekend holding allowed. One of the most permissive rule-sets in the industry.
You want on-demand payouts from day one
Close one funded trade, request your payout immediately. No mandatory waiting period (One/Three Phase). Min. $50.
No, avoid if:
You're based in the US or other restricted jurisdictions
FXIFY does not accept traders from the US, Russia, Belarus, Kenya, Ghana, and 30+ other countries.
You need 90% split without paying extra
The default performance split is 80%. The 90% split requires purchasing the add-on at checkout.
The Propify "Reality Check" Audit
We don't just list features; we interpret the risks.
⚠️ The "Hidden Rule" Detector
Hidden rule #1: Requesting a withdrawal locks your max drawdown at your starting balance
The rule:
When you request a withdrawal, the Max Drawdown locks at your starting balance, regardless of how much profit is in the account.
The reality:
Every pound you withdraw reduces your drawdown buffer. If your $100k account is up $8k and you withdraw $6k, your max drawdown floor locks at $100k — leaving only $2k of buffer before breach. Withdraw all profits and you have zero buffer. FXIFY's own FAQ states: 'Withdrawing all available profit would put your account at risk of breaching the MAX drawdown thresholds.'
The rule:
The Daily Loss Limit is calculated based on the balance recorded at 5PM EST — this is treated as end of day.
The reality:
A trade opened at 4:30PM EST and a trade opened at 5:05PM EST are in different trading days for drawdown purposes. Traders expecting a midnight server reset will find their daily limit already consumed before they start their next session. This is especially relevant for European and Asian timezone traders.
💸 Payout Speed Test
FXIFY stated:
First payout on demand from day 1 of funded account after closing the first trade. Two Phase: after 5 minimum trading days. Minimum $50 USD.
Payout rails:
FXIFY uses Rise as their primary payout platform (a global payments processor). Bank wire is available as a fallback for US traders in states Rise doesn't service (Iowa, Minnesota, South Carolina, Puerto Rico, Guam, USVI).
⚡ The News Trading Scenario
1, 2, and 3-Phase:
✅News trading allowed. No blackout period stated.
Lightning, Instant (both) and Crypto:
⚠️ Restricted — no new trades 5 minutes before or after major news events.
Pro tip:
If you want to trade news stick to 1, 2 and 3 phase accounts
Editor's Verdict: The "No-Hype" Review
Our View: Is FXIFY the Right Choice?
FXIFY is the most programme-flexible major prop firm currently operating. The broker-backed structure (FXPIG) gives it operational resilience that most standalone firms lack, and its permissive rule-set — EAs, grid, martingale, no SL required, weekend holding — appeals to a wide range of trading styles.
The main gotcha is cost transparency: the headline features (90% split, bi-weekly payouts, 50:1 leverage) all require paid add-ons. Build the full cost of your ideal setup before comparing to competitors on headline price alone.
Rules Deconstructed
A detailed breakdown of the specific trading rules found in the database.
The “Hidden” Rules (Most traders miss these)
News Trading:
1, 2, and 3-Phase accounts:
No restriction. News trading is explicitly allowed on all standard evaluation and funded accounts.
Lightning Plan, Instant Funding, Instant Funding Lite, Crypto accounts:
Blackout period applies: no new trades or orders may be placed 5 minutes before or 5 minutes after any high-impact news event. Trades open before the window may remain open; new entries are prohibited.
1, 2, and 3-Phase (evaluation and funded):
4 trading days required.
Instant Funding, Instant Funding Lite, Crypto accounts:
No EAs, bots, or copy traders permitted on these account types.
2-Phase Pro:
EAs permitted. Copy trading not allowed — including copying from external accounts into FXIFY.
Maximum Daily Loss:
1-Phase: 3% | 2-Phase: 4% | 3-Phase: 5%.
Maximum Loss:
1-Phase: 6% max trailing drawdown. Trails the high water mark (closed balance) and locks permanently at starting balance once account is up 6% or more. 2-Phase (standard): 10% static max drawdown. Locks at starting balance on any withdrawal or once 6% profit is reached. 3-Phase: varies
Prohibited / risky practices
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High-Frequency Trading (HFT)
Use of algorithms to execute large numbers of trades in fractions of a second. Prohibited across all programmes.
Latency Arbitrage
Exploiting price update delays between platforms for unfair advantage. Prohibited.
Reverse / Group Hedging
Placing offsetting positions across multiple accounts to artificially neutralise risk. Prohibited — this includes coordinating trades between separate FXIFY accounts.
Herd Trading and Collusion
Coordinated trading among multiple users to manipulate market outcomes. Prohibited.
Account Management / Pass-Your-Challenge Services
Allowing a third party to trade on your behalf, or using a service to pass the evaluation. Violates the one-account-per-customer rule and results in account termination.
Payout Policy
Payout Policy
Payout schedule & speed
Processing time (FXIFY stated):
On demand — first payout available from day 1 of funded account (Two Phase: after 5 trading days). Minimum $50 USD.
When you can request:
After closing your first funded trade (One/Three Phase: immediately). No maximum withdrawal cap.
Profit split & scaling
Max profit share: 90%
available with the Performance Split add-on purchased at checkout. Futures: up to 100%.
2-Step default: 80%
can increase to 90% with the Performance Split add-on.
Scaling plan
Scale up to $4,000,000 from funded evaluation accounts. Milestones and conditions — confirm directly with FXIFY.up to $2,000,000 max initial balance.
Refunds
One / Two / Three Phase
Fee is refunded with your first funded account payout.
Instant Funding
Fee is not refunded
Performance Protect add-on
Withdraw remaining gains in the event of a drawdown breach — unique feature not commonly available elsewhere.
Pros & Cons
The Good
Broker-backed infrastructure (FXPIG)
Licensed in Labuan + UK registered. Part of a 20+ year fintech group.
One of the most permissive rule-set in the industry
EAs, grid, martingale, no SL, weekend holding — all explicitly allowed in some accounts.
Genuine on-demand payouts
No minimum-day lock-up (One/Three Phase). No minimum profit target for first withdrawal. $117K single highest payout.
Five programme types + futures + crypto
Every trader archetype is catered for. Customisable add-ons at checkout.
The Bad
Flexibility crates complexity
Different programs have different rules. Make sure you know what applies to the account you are buying
Best features cost extra
90% split, bi-weekly payouts, 50:1 leverage, Performance Protect — all paid add-ons. Headline price gets you a functional account, not the optimal one.
Scaling plan detail is limited
The $4M scaling headline is attractive but milestones and conditions are not published in detail on the main website.
Price & Value Analysis
Selected Account: $100,000 Two Phase
Price: $549
The Math
FXIFY cost
$5.49 per $1,000 of buying power (549 / 100).
Verdict
Mid-range price with a full fee refund on pass. The real cost depends on which add-ons you need — price-compare on total setup cost, not headline fee.
Technical Specifications
| Trading Platforms | MT4, MT5, DXTrade, TradingView |
| Asset Classes | FX, Metals (Gold, Silver), Indices, Stocks, Oil, Crypto (300+ symbols) |
| Commission | RAW feed: low spread + commission | All-In: zero commission, wider spread |
| Max Account Size | $400,000 (evaluation); scales to $4,000,000 |
| Payout Methods | Rise (primary); bank wire (fallback for select US states) |
| Leverage | 30:1 standard; 50:1 with Increased Leverage add-on |
| Regulation / Licence | Labuan MFSA — Money Broker Licence MB/22/0097 | UK Co. 14451720 |
| Partner Broker | FXPIG™ (fxpig.com) |
| Founded | 2023 |
| Trustpilot | 4.4 / 5 — 5,042 reviews (May 2026) |
| Community | 250K+ active traders | 200 countries | 41K+ Discord |
| Support | 24/5 live chat — fxify.com/support |
Frequently Asked Questions (FAQ)
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Q: Does FXIFY have a time limit to pass?
A: No — unlimited trading days on all evaluation programmes.
Q: Can I trade news on 1/2/3-Phase accounts?
A: Yes — no restriction on standard evaluation and funded accounts. Lightning Plan, Instant Funding, IFL, and Crypto accounts have a 5-minute blackout before/after high-impact news.
Q: What is the maximum profit split?
A: 90% on standard funded accounts (with add-on). Up to 100% on Futures. Default is 80%.
Q: Is the fee refunded?
A: Yes for One, Two, and Three Phase — refunded with first funded account payout. Not refunded on Instant Funding.
Q: Can I use EAs or bots?
A: Yes on 1, 2, and 3-Phase accounts. Not permitted on Instant Funding, Instant Funding Lite, or Crypto accounts.
Q: Is there a consistency rule?
A: None published as at June 2026. Verify current T&Cs as terms may change.
Q: How are payouts made?
A: Via Rise (primary payout platform). Bank wire available as fallback for US traders in states Rise does not service.