- Low Entry Barrier: Traders can start with a low initial deposit, making it accessible to many (starting as low as $99 for a $15,000 account
- Diverse Trading Instruments: FXIFY offers access to over 300 trading instruments, including forex, stocks, indices, cryptocurrencies, and metals
- Flexible Trading Conditions: FXIFY allows the use of Expert Advisors (EAs), grid trading, and Martingale strategies, offering traders a high degree of flexibility
- No Fees on Withdrawals: FXIFY does not charge withdrawal fees, and the challenge fee is refundable with a 25% bonus upon successful completion
- Default Profit Split: The default profit split starts at 75%, requiring an upgrade for higher percentages
- Newer Firm: FXIFY was established in 2023 and lacks the long-term reputation and trust that older prop firms may offer
What Is FXIFY?
FXIFY is more than just another prop firm buzzing around in trading forums. It’s a serious gateway for traders who are tired of spinning their wheels with limited capital and no room to scale. Built by traders, for traders, FXIFY offers access to institutional-level funding — without the institutional nonsense.
Founded by a trio of seasoned industry pros — David Bhidey, Peter Brown, and Robert Winters — FXIFY was crafted as a launchpad for skilled, consistent traders who just need the right capital to showcase what they can do. Their mission? Eliminate the financial barriers that keep talented traders on the sidelines and put real money in the hands of those who can manage it.
At its core, FXIFY is a proprietary trading firm that evaluates traders through a structured challenge. If you pass, you gain access to a funded trading account that can scale up to an eye-popping $4 million. And no, that’s not a typo.
You’re not locked into just forex either. FXIFY lets you trade a rich blend of over 300 assets, including stocks, commodities, indices, and metals. You also get to choose between the world-class MetaTrader 4 and MetaTrader 5 platforms, giving you a familiar and robust trading environment right from the get-go.
But here’s where things get exciting. FXIFY doesn’t just hand you a demo account with a few rules and wish you luck. It offers a clear, transparent path to live funding through either a One-Phase or Two-Phase Challenge — you choose the pace, they provide the capital.
What makes FXIFY stand out is its unwavering commitment to trader freedom and profitability. There are no time limits, no trading restrictions on news or weekends, and they even allow the use of Expert Advisors. Combine that with a 125% refund of your challenge fee upon success, and you’ve got one of the most trader-friendly setups in the prop firm space today.
Video Review
How the FXIFY Prop Firm Challenge Works
Getting funded through FXIFY isn’t a game of luck. It’s a strategic gateway where disciplined traders prove their edge, unlock serious capital, and level up without the financial pressure of trading their own savings. If you’ve ever felt boxed in by demo accounts or discouraged by traditional funding models, FXIFY’s challenge is your breakout moment.
This isn’t some gimmicky obstacle course with traps laid out to trip you up. It’s a structured evaluation system designed with trader psychology in mind — clear rules, measurable milestones, and a performance-first mindset that rewards smart, risk-conscious trading.
At FXIFY, you’re in control from the very beginning. You choose your account size, profit split, and evaluation path. Whether you prefer a high-speed one-phase sprint or a more flexible two-phase progression, each route leads to the same destination — a fully funded account with real capital and a powerful scaling roadmap up to $4 million.
No bait-and-switch tactics. No moving goalposts. Just a straight shot to funding if you have the skills, the discipline, and the plan to back it up.
What Are the Options For Funded Accounts?
FXIFY doesn’t believe in one-size-fits-all. Instead, it offers a dynamic suite of funding programs tailored to different risk profiles, trading goals, and experience levels. Whether you’re a high-octane intraday trader or a calculated swing strategist, there’s a challenge type and capital tier to match your tempo.
Here’s a full breakdown of each funded account pathway FXIFY offers, complete with their costs, rules, and payout potential.
One-Phase Challenge Accounts
The One-Phase Challenge is for traders who want a quick path to funding. There’s just one target to hit, and if you’re confident in your system, this is the most direct route to a live funded account.
Challenge Parameters:
- Profit Target: 10%
- Max Daily Drawdown: 3%
- Max Overall Drawdown: 6% (Trailing)
Account Size | Challenge Fee | Profit Target | Max Daily Drawdown | Max Overall Drawdown |
$5,000 | $59 | 10% | 3% | 6% (Trailing) |
$10,000 | $89 | 10% | 3% | 6% (Trailing) |
$15,000 | $119 | 10% | 3% | 6% (Trailing) |
$25,000 | $199 | 10% | 3% | 6% (Trailing) |
$50,000 | $379 | 10% | 3% | 6% (Trailing) |
$100,000 | $549 | 10% | 3% | 6% (Trailing) |
$200,000 | $1,049 | 10% | 3% | 6% (Trailing) |
$400,000 | $2,950 | 10% | 3% | 6% (Trailing) |
Two-Phase Challenge Accounts
Ideal for traders who prefer a more flexible approach. The Two-Phase Challenge reduces risk constraints but splits the profit target into two manageable stages — 8% in Phase 1, 5% in Phase 2.
Challenge Parameters:
- Profit Target: 8% (Phase 1), 5% (Phase 2)
- Max Daily Drawdown: 4%
- Max Overall Drawdown: 10% (Trailing)
Account Size | Challenge Fee | Profit Target | Max Daily Drawdown | Max Overall Drawdown |
$5,000 | $59 | 8% (P1), 5% (P2) | 4% | 10% (Trailing) |
$10,000 | $89 | 8% (P1), 5% (P2) | 4% | 10% (Trailing) |
$15,000 | $119 | 8% (P1), 5% (P2) | 4% | 10% (Trailing) |
$25,000 | $199 | 8% (P1), 5% (P2) | 4% | 10% (Trailing) |
$50,000 | $379 | 8% (P1), 5% (P2) | 4% | 10% (Trailing) |
$100,000 | $549 | 8% (P1), 5% (P2) | 4% | 10% (Trailing) |
$200,000 | $1,049 | 8% (P1), 5% (P2) | 4% | 10% (Trailing) |
$400,000 | $2,950 | 8% (P1), 5% (P2) | 4% | 10% (Trailing) |
Three-Phase Challenge Accounts
This is FXIFY’s most beginner-friendly pathway. With a softer profit target and balanced drawdown structure, it’s perfect for new traders or those who want a more methodical evaluation.
Challenge Parameters:
- Profit Target: 5%
- Max Daily Drawdown: 5%
- Max Overall Drawdown: 5%
Account Size | Challenge Fee | Profit Target | Max Daily Drawdown | Max Overall Drawdown |
$5,000 | $39 | 5% | 5% | 5% |
$10,000 | $59 | 5% | 5% | 5% |
$15,000 | $79 | 5% | 5% | 5% |
$25,000 | $149 | 5% | 5% | 5% |
$50,000 | $249 | 5% | 5% | 5% |
$100,000 | $399 | 5% | 5% | 5% |
$200,000 | $799 | 5% | 5% | 5% |
$400,000 | $1,599 | 5% | 5% | 5% |
Instant Funding Accounts
Need capital right now without a challenge? FXIFY’s Instant Funding model skips the evaluation phase and puts you straight into live trading. You’ll trade under tight drawdown rules, but this is the fastest way to real money if you’re ready.
Challenge Parameters:
- Max Daily Drawdown: 8%
- Max Overall Drawdown: 8% (Trailing)
Account Size | Challenge Fee | Max Daily Drawdown | Max Overall Drawdown |
$1,000 | $69 | 8% | 8% (Trailing) |
$2,500 | $119 | 8% | 8% (Trailing) |
$5,000 | $229 | 8% | 8% (Trailing) |
$10,000 | $449 | 8% | 8% (Trailing) |
$25,000 | $899 | 8% | 8% (Trailing) |
$50,000 | $1,749 | 8% | 8% (Trailing) |
Lightning Accounts
FXIFY’s newest addition, the Lightning Account, is a fast-paced evaluation designed for experienced, aggressive traders who want a rapid path to funding with low fees and tight rules.
Challenge Parameters:
- Max Daily Drawdown: 3%
- Max Overall Drawdown: 4% (Trailing)
Account Size | Challenge Fee | Max Daily Drawdown | Max Overall Drawdown |
$10,000 | $59 | 3% | 4% (Trailing) |
$25,000 | $119 | 3% | 4% (Trailing) |
$50,000 | $209 | 3% | 4% (Trailing) |
$100,000 | $399 | 3% | 4% (Trailing) |
FXIFY’s Rules and Restrictions
FXIFY may be one of the most trader-friendly prop firms on the market, but don’t mistake flexibility for a free-for-all. Once you’re funded, a set of clear rules ensures that risk is managed responsibly, capital is protected, and the trading environment remains professional.
These aren’t arbitrary hoops. FXIFY’s rules are built to support longevity. In other words, they’re designed not to trip you up — but to help you grow sustainably.
Let’s break them down.
Risk Management Guidelines (Trailing Drawdown, Max Daily Loss)
Risk management isn’t just a buzzword here. FXIFY enforces strict but fair limits to make sure traders protect capital — theirs and the firm’s. The two key parameters you’ll need to respect are:
- Max Daily Loss: Depending on your challenge type, this ranges from 3% to 5%. It resets every day at 5 PM EST based on the previous day’s balance or equity — whichever is higher.
- Max Drawdown (Trailing): This is usually 6% to 10%, depending on your challenge model. Unlike static drawdown, trailing drawdown follows your highest balance and resets with each new peak. So if your equity spikes, your cushion does too — but so does your risk cap.
It’s essential to plan trades around these figures. A solid strategy isn’t just about entry and exit — it’s about knowing when to stop, pause, or adjust based on your limits.
News Trading, Overnight Holds, and Other Restrictions
FXIFY really shines when it comes to trading freedom. Unlike many prop firms that slap a “no trading during news” sign on their platforms, FXIFY encourages flexibility.
Here’s what’s allowed:
- ✅ News Trading: Yes, you can trade during high-impact news events.
- ✅ Overnight Holding: Feel free to hold trades past market close.
- ✅ Weekend Holding: Yes, even over the weekend — something many firms block outright.
The only caveat? Make sure your trading strategy still respects drawdown rules during these periods, as sudden gaps can trip up even the best traders.
Additionally, you’re free to use:
- Expert Advisors (EAs)
- Trading Bots
- Hedging strategies
- Copy trading, if properly declared
It’s one of the most unrestricted, trader-first platforms in the business, giving you the power to implement your real-world strategies with minimal handcuffs.
Consistency and Scaling Rules
FXIFY’s unique SwissScaling™ Plan doesn’t just reward high profits — it rewards sustainable trading. That means consistent performance, manageable drawdowns, and controlled risk. Here’s how it works:
- Your account is reviewed every 30 days.
- If your trading is profitable and within rules, your funded capital grows.
- No need to re-challenge. No additional fees.
And about consistency — while FXIFY doesn’t penalize you for having a big winning day, they do favor consistent traders when evaluating for scaling. That means avoiding the all-or-nothing swing-for-the-fences approach and showing a repeatable edge in the markets.
Payment, Withdrawals, and Payout Process
At the end of the day, trading isn’t just about sharp entries and tight risk management — it’s about getting paid. FXIFY knows this better than most, and that’s why their payment and payout system is built to be fast, flexible, and remarkably transparent.
Whether you’re paying for a challenge or cashing in on your profits, FXIFY makes sure you’re never stuck in the “waiting zone” that haunts traders at less responsive firms.
Fee Payments (for Challenges and Funded Accounts)
Joining FXIFY starts with an entry fee — your ticket to the challenge. The good news? It’s not just competitively priced. It’s refundable.
Every challenge type has its own fee structure based on account size and model (One-Phase, Two-Phase, etc.). Once you pass your challenge, you’ll receive a 100% refund of your challenge fee, and in many cases, even a 125% refund, paid as a bonus once you start live trading.
Accepted Payment Methods:
- Credit/Debit Cards (Visa, Mastercard)
- Cryptocurrency (BTC, ETH, USDT, and more)
- PayPal
- Bank Transfers (on request)
These fees are one-time only — no monthly subscriptions, no renewal charges, and no upsells buried in fine print.
Profit Withdrawals and Payout Schedules
Here’s where FXIFY really flexes its trader-first attitude. Once you’ve got a funded account, you can start withdrawing profits immediately after your first successful trade. That’s right — no 30-day delays, no “10 trades minimum” nonsense.
How payouts work:
- Payout Eligibility: As soon as you turn a profit on your funded account
- Payout Split: Up to 90% to the trader, depending on your tier
- Payout Frequency: You can request a withdrawal on-demand, not just monthly
- Processing Time: Typically within 24–48 hours
- Payout Methods: Crypto, bank transfer, or e-wallet — whatever suits you
And yes, FXIFY honors all withdrawals swiftly, provided you’ve stayed within trading rules. There are no tricks, no ghosting, and no red tape.
Real Talk Tip: Want that 90% payout? Trade consistently, manage risk, and you’ll unlock higher tiers faster. FXIFY rewards stability just as much as profitability.
Comparison: FXIFY vs Other Top Prop Firms
In a market flooded with prop trading firms making big promises, only a few genuinely deliver on flexibility, funding, and trader-first policies. To help you cut through the noise, we’ve compared FXIFY side-by-side with two of the biggest players — FundedNext and FTMO.
Your trading capital, payout speed, and rule flexibility can make or break your journey with a prop firm. Whether you’re seeking faster funding, higher payouts, or a smoother evaluation process, the comparison table below highlights the key differences.
Here’s how FXIFY, FundedNext, and FTMO stack up across all the key metrics:
FXIFY | FundedNext | FTMO |
One-Phase, Two-Phase, Three-Phase, Instant Funding, Lightning | Stellar One-Step, Stellar Two-Step, Express Challenge | Two-Phase Evaluation (Challenge & Verification) |
$5K – $400K | $6K – $200K | $10K – $200K |
– One-Phase: 10%- Two-Phase: 8% (Phase 1), 5% (Phase 2)- Three-Phase: 5%- Lightning: 5% | – Stellar Two-Step: 10% (Phase 1), 5% (Phase 2)- Express Challenge: 10% (Phase 1), 5% (Phase 2) | – Challenge: 10%- Verification: 5% |
– One-Phase: 3%- Two-Phase: 4%- Three-Phase: 5%- Lightning: 3% | 5% | 5% |
– One-Phase: 6% (Trailing)- Two-Phase: 10% (Trailing)- Three-Phase: 5%- Lightning: 4% (Trailing) | 10% | 10% |
Up to 90% | Up to 90% | Up to 90% |
On-demand (after first profitable trade) | Bi-weekly | Monthly |
None | – Stellar Challenges: 5 days- Express Challenge: 10 trades | 10 trading days per phase |
Yes | Yes | Yes |
Yes | Yes | Yes |
Yes | Yes | Yes |
Up to $4 million | Up to $4 million | Up to $2 million |
100% refund upon successful completion; up to 125% with add-ons | 15% profit share during evaluation; refund upon successful completion | Refund of the challenge fee upon successful completion |
– One-Phase: $549- Two-Phase: $549- Three-Phase: $399- Lightning: $399- Instant Funding: $1749 | – Stellar Two-Step: $549- Express Challenge: $549 | – Normal Risk: €540 ($590)- Aggressive Risk: €1,080 ($1,180) |
MetaTrader 4, MetaTrader 5 | MetaTrader 4, MetaTrader 5 | MetaTrader 4, MetaTrader 5 |
1:50 | 2:40 | 2:40 |
– Starter Accounts: No single day’s profit can exceed 30% of total profits- Expert Accounts: No single day’s profit can exceed 40% of total profits | Traders are expected to maintain consistent trading strategies throughout the evaluation and funded phases | No specific consistency rules, but responsible trading is encouraged |
None specified | Strategies that exploit the evaluation process or produce risk-free profits exclusively during challenges are prohibited | Trading strategies must be replicable in real markets; responsible money management is required |
Yes | No | No |
Email, Live Chat | Email, Live Chat | Email, Live Chat |
Trading Central access, Monthly Trading Competitions | Webinars, Mentorship Programs | Trading Psychology Programs, Webinars |
– Multiple evaluation models including Instant Funding and Lightning Challenge- On-demand payouts- High scalability up to $4 million | – Profit sharing during evaluation phase- Mentorship for novice traders- Swap-free accounts | – Free trial accounts- Comprehensive educational resources- Strong community support |
Why FXIFY Stands Out:
- Multiple Challenge Models: Unlike FTMO and FundedNext, which focus mainly on two-phase evaluations, FXIFY offers a wider variety—including One-Phase, Three-Phase, Instant Funding, and Lightning Challenges—allowing traders to choose the path that best suits their strategy.
- Payout Speed: FXIFY provides on-demand payouts starting from your first profitable trade. In contrast, FTMO and FundedNext impose a fixed payout schedule or waiting period.
- Higher Flexibility: FXIFY allows trading during news events, overnight, and on weekends, plus supports EAs and automated strategies—giving traders the freedom to trade their way.
- Scalability: FXIFY takes it a step further with scaling opportunities up to $4 million, making it ideal for traders with ambitions of managing serious capital.
Whether you’re just exploring prop firms or ready to switch to a more accommodating platform, this comparison gives you the insight needed to choose with confidence.
FXIFY Customer Support and Help
Contact FXIFY
Email: support@fxify.com
Social Media Profiles
- Instagram profile with 79K followers
- Facebook profile has 32K followers
- X/Twitter profile has 29.5K followers
- Tiktok profile has 1.3k followers and 1900 likes
- Discord group with 40K members
FXIFY Trust Pilot Reviews
FXIFY has received great customer feedback from its traders on Trust Pilot. With an overall score of 4.2 out of 5 from 3434 reviews.
Conclusion
FXIFY isn’t just a prop firm — it’s a well-oiled capital access machine for serious traders ready to scale. Whether you’re eyeing the fast track with the Lightning model, prefer the safety net of a Three-Phase challenge, or need Instant Funding without the wait, FXIFY meets you where you are.
Backed by credible leadership, flexible challenge models, and a streamlined payout system, FXIFY gives you every chance to not just trade — but to trade professionally. The fact that they combine high profit splits, no time limits, EA compatibility, and a $4 million scaling roadmap shows that this firm doesn’t just talk trader-friendly — they deliver it.
If you’re looking for a prop firm in 2025 that understands the grind, rewards consistency, and doesn’t nickel-and-dime you with vague rules and delayed payouts, then FXIFY might just be your ultimate trading partner.
FAQs
FXIFY offers more evaluation types, faster payouts, and broader trading freedom. You can choose from five account models (including Instant Funding), get paid after your first profitable trade, and use EAs or hold trades over weekends and news.
Yes. FXIFY is fully verified, led by industry veterans, and has a transparent challenge model. Real traders are getting funded and paid consistently — check Trustpilot or social media for reviews.
You can start with as little as $5,000 and scale up to $4 million in trading capital. This is one of the most aggressive and trader-friendly scaling models in the industry.
The One-Phase or Lightning Challenge is your fastest route. Pass the 10% target in One-Phase or trade under the Lightning model and receive capital without multi-phase evaluations.
No major restrictions. You’re free to trade during news events, hold over weekends, use bots and EAs, and apply any strategy — as long as you stay within your risk limits.
